Bank Code Verified

732-111, BSB Number for Westpac Bank, Rouse Hill, NSW

BSB Number: 732-111

Bank: Westpac Bank

Financial Institution: WBC

Address: Shop GR51 Rouse Hill Town Centre

City: Rouse Hill

State: NSW

Postcode: 2155

System: PEHto BSB Numbers: The Backbone of the Banking System

When it comes to banking, one of the most critical aspects is ensuring that funds reach the right place. This may seem like a simple task, but the complexity of the modern banking system requires a robust identification and routing mechanism.

That’s where BSB numbers come into play. In this article, we will explore what BSB numbers are, their importance in the banking system, and how they are used for identification and routing of funds.

What are BSB Numbers? BSB stands for Bank State Branch.

It is a unique six-digit number that identifies a specific branch of a financial institution in Australia. Originally introduced in the 1970s, BSB numbers were initially used for electronic funds transfer (EFT) processing.

Over time, they have become an integral part of the banking system, serving as a vital link between financial institutions, branches, and individual accounts.

Importance in the Banking System

BSB numbers are crucial for seamless banking operations, ensuring that funds are properly routed to the correct destination. They serve as a reliable tool for identifying the exact branch and financial institution involved in a transaction.

Without BSB numbers, the process of transferring funds would be cumbersome and prone to errors, leading to delayed transactions and frustrated customers.

Identification and Routing of Funds

BSB numbers play a pivotal role in the identification and routing of funds. When initiating a transfer, whether it’s through online banking, mobile apps, or in-person banking services, individuals are required to include the BSB number of the recipient’s bank branch.

This number, along with the recipient’s account number, ensures that the funds are designated to the right destination. Routing funds based on BSB numbers is made possible through the Payment Express Hub (PEH) system.

PEH is a clearinghouse that acts as a central point for processing electronic transactions between financial institutions. When a transaction is initiated, the appropriate BSB number is used to direct the funds to the correct branch of the recipient’s financial institution, ensuring a smooth transfer of funds.

The Role of BSB Numbers in Westpac Bank

One of the major financial institutions in Australia is Westpac Bank. With a rich history spanning over 200 years, Westpac is a trusted name in the banking industry.

The BSB number 732-111 corresponds to Westpac Bank, enabling customers to easily identify and route funds to the specific Westpac branch associated with this BSB number. This ensures that funds are accurately directed, providing a seamless banking experience for Westpac’s customers.

Westpac Bank’s Address and Location

The specific Westpac branch associated with BSB number 732-111 is conveniently located at Shop GR51 Rouse Hill Town Centre, Rouse Hill, NSW. This strategically chosen location accommodates the needs of the local community, providing convenient access to essential banking services.


BSB numbers are an essential aspect of the banking system, ensuring that funds are accurately identified and routed to the correct destination. Without these unique identifiers, the process of transferring funds would be plagued with errors and delays, creating unnecessary frustration for customers.

Westpac Bank, with its BSB number 732-111, exemplifies the importance of BSB numbers in providing a seamless banking experience. Understanding and utilizing BSB numbers are essential for anyone engaging in electronic financial transactions, enabling funds to be securely directed to their intended recipients.

Topic 3: PEH System: Powering Efficient Transactions

In the dynamic world of banking, efficiency plays a pivotal role in ensuring smooth and timely transactions. One critical system that enables the seamless transfer of funds between financial institutions is the Payment Express Hub (PEH) system.

In this section, we will dive into what the PEH system stands for, and how it relates to the BSB number provided. What is the PEH System?

The PEH system, also known as the Payment Express Hub system, is a centralized clearinghouse that facilitates the processing of electronic transactions between financial institutions in Australia. It acts as a bridge, connecting banks, credit unions, and other financial entities, ensuring the prompt and accurate transfer of funds.

Relating PEH to BSB Number

BSB numbers, as discussed earlier, are crucial for identifying and routing funds to the appropriate bank branches. In coordination with the PEH system, BSB numbers ensure that funds are promptly directed to the desired destination.

When initiating a transaction, the sender provides the recipient’s BSB number, which serves as a unique identifier for the recipient’s bank and branch. The PEH system then utilizes this BSB number to route the funds to the correct branch of the recipient’s financial institution, enabling a secure and efficient transfer of funds.

The PEH system acts as a central hub that processes and verifies the authenticity of transactions. It checks the validity of BSB numbers and account details to reduce the risk of errors and fraud.

By leveraging the PEH system, financial institutions can collectively ensure smooth transactions, bolstering customer trust and strengthening the overall banking system. Topic 4: Understanding BSB Number Structure: Unraveling the Digits

BSB numbers consist of a six-digit code that follows a specific format.

Each digit within the BSB number represents a different aspect of the transaction or the financial institution. Let’s break down the structure of a BSB number and decode the significance of each digit:


First two digits: These digits represent the financial institution. In the case of the BSB number 732-111 provided, the first two digits, 73, indicate that the financial institution is Westpac Bank.

2. Third digit: This digit represents the state or territory where the branch is located.

In the given BSB number, the third digit, 2, corresponds to New South Wales (NSW). 3.

Fourth and fifth digits: These digits identify the specific branch within the financial institution. In the provided BSB number, the fourth and fifth digits, 11, represent the Rouse Hill branch of Westpac Bank.

4. Sixth digit: The last digit of a BSB number is often referred to as the “check digit.” This digit is used for error detection and validation purposes.

It ensures the accuracy of the BSB number, reducing the risk of sending funds to an incorrect destination. By understanding the structure of a BSB number, individuals can easily identify the financial institution, state, and branch associated with a particular BSB number.

This knowledge promotes a sense of confidence and security when initiating transactions, as it allows for accurate routing of funds. In


The PEH system and BSB numbers are integral components of the Australian banking system.

The PEH system acts as a central clearinghouse, facilitating the smooth processing of electronic transactions between financial institutions. BSB numbers, on the other hand, provide a unique identification and routing mechanism, ensuring that funds are accurately directed to the intended recipients.

By understanding both the PEH system and the structure of BSB numbers, individuals can navigate the banking landscape with ease and confidence, fostering efficient and secure financial transactions.

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