The National Clearing Code is used when transferring money abroad from countries, especially to New Zealand, South Africa, Australia, or the United States. This ensures successful routing of payments, especially those that do not process with an International Bank Account Number. This ensures that you have accurate information associated with the recipient's bank’s unique NCC number.
What Are the Origins of Bank NCC Codes?
How Do I Find an NCC Code Online?
You can find the NCC Code online in various ways, Have a look -
- Using the NCC Code Search Tool: Using the NCC Code Search Tool is one of the quickest and most accurate ways to find the NCC code. You just have to choose the bank, city, and branch and you will get your required NCC code.
- Visit the Official Website of the Bank: It is the most authentic way to find the NCC Code. Visit the official website of the bank and log into your portal. Look in the Section similar to “Account details”. You will find your NCC code there.
How Do Bank NCC Codes Work?
The National Clearing Codes (NCC) act as unique identifiers in financial transactions. These codes, also referred to as Routing Codes, play an important role in routing funds accurately between banks, especially in the absence of an International Bank Account Number (IBAN). NCCs serve specific information about a bank and ensure that money is transferred to the correct destination by facilitating precise routing procedures. It indicates the bank of the recipient and processes a secure and error-free transfer of funds.
When Do You Need to Use an NCC?
You will need an NCC for the following situations:
- While transferring funds to New Zealand, Australia, South Africa, and the USA.
- Make international fund transfers to bank accounts without an IBAN.
- It assures accurate and error-free international transactions. (For accurate fund transfer verify the NCC code with the help of the NCC Code Checker tool.)
- It helps to identify information about a specific bank.
- This facilitates the proper routing of the funds during overseas transactions.
- This specifics the receiving bank and its associated account number.
- Essential for secure and convenient fund transfers globally.
- Completing payments in the absence of IBAN or SWIFT/BIC Code.
Where is the New Zealand Bank NCC Code on the Check?
You can find your New Zealand Bank NCC code printed at the bottom of the check. The New Zealand account number consists of 16 digits that are present at the bottom of the check, the first six digits are the National Clearing Code.
How to Find Your New Zealand Bank NCC Code Without a Check?
You can find your New Zealand Bank NCC code without a check on the debit card, bank statement or on the NCC Code Finder.
Where Else Can You See the NCC Code?
It is easier to find the NCC Code in the following ways,
- Debit Card
- Cheque
- Bank Statement
- Official Website of the Bank
- NCC Code Finder
- Mobile Banking App
FAQs
Do All Banks Provide an NCC Code?
No, not all New Zealand banks provide an NCC code, it is provided to the banks that do not use the IBAN/SWIFT Code.
Are NCC Codes Only for New Zealand?
NCC Codes are not only for New Zealand but some other countries namely South Africa, Australia, and the United States of America also use NCC Codes.
Are NCC Codes Necessary for Domestic Transfer?
No, NCC codes are not necessary for domestic transfers instead they are used for international fund transfers to the banks that do not have IBAN.
Can Multiple Branches of the Same Bank Use the Same NCC Code?
No, each branch of the same bank has a unique NCC Code and no two branches have the same NCC Code.
Can I Find the NCC Code on My Bank Debit Card?
Yes, you can find the NCC code printed on the Bank Debit Card.