RateCity.com.au
  1. Home
  2. Bank Accounts
  3. Articles
  4. Can you find your bank account number online?

Can you find your bank account number online?

Mark Bristow avatar
Mark Bristow
- 4 min read
Can you find your bank account number online?

If your bank offers online services, you should be able to find your bank account number online by logging into your account on your bank’s website and checking your details there.

If you don’t have access to your bank account online or can’t log in, you should be able to find your account number on a paper bank statement that’s been posted to you, if you have one available.

Alternatively, you can call your bank’s customer service number or visit a branch to retrieve your account number. Be sure to have your identification information available so your bank can confirm your identity before it accesses your personal financial details.

Remember that each account you have with a bank will have its own unique account number. For example, if you have a dedicated savings account in addition to your bank account for everyday transactions, your bank account number and your savings account number will be different. Home loan offset accounts and term deposits will also have their own account numbers.

What is a BSB?

Bank account numbers in Australia are made up of two key components – the BSB (Bank State Branch), and the account number.

The account number is used to identify a specific bank account, while the BSB identifies an individual bank branch within Australia. The BSB is used to streamline communication between banks when making money transfers by directing the payment to the correct branch.

A BSB uses a 6-digit code that corresponds to the financial institution, the state or territory in which it is located, and the individual branch. Some banks assign unique BSBs to each of their branches, while others use a single BSB for all accounts, regardless of which branch a customer banks with.

For international money transfers, you’ll need to know the bank’s SWIFT/BIC code, which plays a similar role to a BSB, and can also be found online.

Can you find someone else's bank account number online?

If you want to transfer money from your bank account to someone else’s, you’ll need to know the other person’s bank account details. The simplest way to get this information is to ask the other person to share their bank account number with you.

Because bank account numbers are personal financial information, they aren’t available to search online. This means you can’t just look up a friend’s bank account if you want to transfer a few dollars to shout them dinner. You also can’t just call or visit a bank branch to find out someone else’s bank account number.

If you know that someone is a customer of a particular bank and/or branch, you may be able to look up the bank’s BSB number online, as this is publicly available. But this may not do you much good without also knowing the number of their bank account itself.

Do you really need to use a bank account number?

There are methods available to transfer money between individuals and bank accounts that may not require knowing a bank account number.

Some payment apps like Osko or Beem It let you quickly transfer money from one user to another, without needing to know their bank account number. However, you may need to know their username, email address, mobile number or other account details – be sure to check that these are correct before making any transfers.

These apps and more may be downloaded from your app store. Some banks and other financial institutions may also offer similar services as part of their online banking apps, such as PayID.

Compare bank accounts

Product database updated 16 Jun, 2024

This article was reviewed by Personal Finance Editor Peter Terlato before it was published as part of RateCity's Fact Check process.