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The term BSB number indictates the Bank, the State and the Branch of the bank  account.

The first 2 digits tell us which Bank it is.
The 3rd digit indicates the State that the branch is in.
The last 3 digits show the branch reference number.

First Two Digits (A few examples of common Banks in Australia)

• 01 – ANZ Australia and New Zealand Banking Group Limited
• 03 – Westpac Banking Corporation
• 06 – CBA Commonwealth Bank of Australia
• 08 – NAB National Australia Bank
• 10 – BankSA
• 11 – St George Bank
• 12 – BoQ Bank of Queensland
• 30 – BankWest
• 34 – HSBC Bank Australia
• 48 – Suncorp-Metway

3rd Digit Codes

• 2 – Australian Capital Territory and New South Wales
• 3 – Victoria
• 4 – Queensland
• 5 – South Australia and Northern Territory
• 6 – Western Australia
• 7 – Tasmania

Examples would be:

114-xxx = St George Bank, in Queensland
012-xxx = Commonwealth Bank, in Australian Capital Territory and New South Wales
123-xxx = Bank of Queensland, in Victoria…. (yes, apparently the Bank of Queensland has branches in Melbourne)

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