Few things trip up international money transfers as often as getting the bank code wrong. If you’re sending money to a Kiwibank account in New Zealand, the number you need starts with 38 – the bank’s unique code.

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Bank code 38: Kiwibank · Branch range: 9000–9499 · Kiwibank account prefix: 38 · Other NZ bank codes: ANZ 01, ASB 12, Westpac 03, BNZ 02 · Common use: International transfers

Quick snapshot

1Confirmed facts
2What’s unclear
  • Transaction code 38 (ACH return code R38) is not a New Zealand bank code – it’s a US system code.
  • 40-38-04 is a UK sort code, not an NZ bank code.
3Timeline signal
  • Kiwibank launched in 2002 and has used bank code 38 since inception.
4What’s next
  • When sending money, always provide your full Kiwibank account number starting with 38 and the code KIWINZ22.

Here are the key facts about bank code 38 in New Zealand.

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Bank code Kiwibank
Branch range 9000–9499
Other major NZ bank codes ANZ 01, ASB 12, Westpac 03, BNZ 02
International transfer requirement SWIFT/BIC plus account number
SWIFT code (8 chars) or KIWINZ22XXX (11 chars)
Kiwibank address Level 9, 9,20 Customhouse Quay, Wellington, 6011
Example account number 38-9022-1234567-00
Tip: When providing branch details for international transfers, use “Wellington” as the branch name regardless of your actual branch. This avoids confusion.

What bank code is 38 in NZ?

Bank code 38 belongs to Kiwibank, ones of New Zealand’s major retail banks. In the New Zealand banking system, every bank has a two-digit codehat forms the first part of every account number. The first two digits of a Kiwibank account are always 38 (Kiwibank – account numbers).

Is Kiwibank start with 38?

Yes – every Kiwibank account number starts with the digits 38. This is the bank’s domestic identifier. The complete account number format is: 38 – [ ]
account number format is: 38 – [4-digit branch code] – [7-digit account number] – [2-3 digit suffix] (Kiwibank – receive money).

The implication: if you see an account number in New Zealand that begins with 38, it is definitely aKiwi account. No other bank uses code 38.

Bottom line: Bank code 38 identifies Kiwibank. For senders: confirm the number starts with 38. For Kiwibank customers: use this prefix for local and international transfers.

The implication: anyone sending money to New Zealand will immediately confirm it’s a Kiwibank account when they see “38” as the first two digits.

What bank is 38-9022?

The number 38-9022 is a Kiwibank branch code. The “38” identifies the bank, and “9022” points to a specific Kiwibank branch. codes for Kiwibank fall in the range 9000–9499 (Kiwibank /a>).

One catch: many overseas forms ask for a branch name. Using “Wellington” avoids confusion.

What is the ANZ bank code?

ANZ New Zealand uses bank code 01. This is completely different from Kiwibank’s 38. ANZ branch codes range from 0001 to 8999. Other major banks also have distinct codes: ASB uses 12, Westpac uses 03, and BNZ uses 02.

Why this matters: when sending money within New Zealand, using the correct two-digit bank code is essential. A wrong code can delay or misdirect the transfer.

What is the transaction code 38?

Transaction code 38 in the context of banking usually refers to ACH return code R38, which means “Improper Effective Entry Date.” This is a US ACH (Automated Clearing code, not

Warning: Be not to confuse transaction code 38 (US ACH) with New Zealand bank code 38.

What bank is 40-38-04?

40-38-04 is a UK sort code belonging to HSBC UK Bank PLC. It is not a New Zealand bank code, despite the “38” in middle. Sort codes in theUK are six digits format XX-XX-XX, while New Zealand bank codes are two digits. codes are two digits.

The pattern: international bank identifiers look similar but belong to different countries. receive money from overseas to a Kiwibank account

  1. Give the sender your full Kiwibank account number – starts with 38, includes branch and includes branch and account details (Kiwibank – business international).

    2. >Provide the SWIFT code – KIWINZ22 (8 characters). Some banks need 11 characters, use KIWINZ22XXX (Kiwibank – receive money).

  2. Give the bank address – Level 9, 20 Customhouse Quay, Wellington 6011, New Zealand (Kiwibank – account numbers).
  4. If for a BSB, sort code, or routing code – use the first six digits of your New Zealand bank account number (Kiwibank – re).
  5. If for an IBAN – use entire New Zealand bank account number (no separate IBAN system in NZ) ().

    6. > New Zealand bank account number format

    A standard New Zealand bank account number has 15 to 16 digits, broken into four parts: first two digits (bank), next four (branch), then seven digits (account), then two or three digits (suffix).

    Full example38-9022-1234567-00

    Field Example (Kiwibank) Description
    Bank code 38/td>

    		Kiwibank
    Branch 9022 Any between 9000–2dd>
    >
    td>Number 1234567 Unique to your account
    Suffix 00 Usually 00 for main account, may vary 15 characters
    2>Confirmed facts vs what’s unclear

    Confirmed facts

    What’s unclear

    • Whether transaction code 38 is used in New Zealand banking – it is not; it is an ACH return code from the US.
    • Whether40-38- is a New Zealand bank code – it is not; it is a UK HSBC sort code.

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