Where are NCCs used?

NCCs are primarily used to send money to New Zealand, the USA, Australia, or South Africa.

When Do You Need to Use an NCC?

Many scenarios come in the way of the NCC code, and there is no compulsory process to provide NCC code. While you send funds to the other countries where the NCC is required, you must provide it with the receiving bank's address and name.

When you're making payments to the countries like Australia, South Africa, and New Zealand, There may be asked for the BSB (Bank State Branch) code. In this case, you do not need to enter the NCC code. In the United States, they ask for the routing number or ABA (American Bankers Association) code, and you do not need to enter the NCC code. In the case of SWIFT/BIC code, you do not need to provide the NCC code.

How to find the NCC code?

Let's look at how the NCC code looks in the standard New Zealand bank account number. The format of the regular NCC code has given below.


AABBBB is the first six digits of the NCC code.

AA - first two show the bank number.

BBBB - the following four letters describe the particular branch location which brings the account.

CCCCCCC - the next seven digits are a personal account number.

DDD - following three letters, the type of accounts.

There are agreed number ranges for NCC numbers. Although many banks act as agents for other bank brands, some code prefixes are shared between brands, and branch codes vary according to the brand.

Are NCC codes and IBANs the same?

IBAN is an international bank account number generally issued for an account held in Europe and some other regions. In New Zealand, IBANs, account numbers, and suffixes like those described above are not used to replace IBANs.

In New Zealand, you need an NCC code instead of an IBAN to transfer into the account.

How to find an NCC code?

If you know the name and location of the bank, you can search online for the NCC code.

You can use this NCC finder tool to find an NCC code for a bank by entering its name and address.