Find answers to some of the most common questions from our members
You can use the ‘Find a Bank’ feature in the Internet Banking and Mobile Banking App to confirm the Beneficiary Bank details. You can search by entering in the Bank Name, or other partial bank details you may have, this will then provide you with the complete details for the Bank if available. It is important to ensure you are validating the details against what the Beneficiary has.
Return to the Beneficiary field and confirm the details; if correct you can manually enter the bank details in the respective fields.
There are different reasons why your payment may not have been received, including that it's still being processed or you have entered incorrect details, such as IBAN, Account Number or Beneficiary details. Incorrect details may result in the payment being rejected by the overseas bank or deposited into an unintended person's account that matches the details.
If you believe that the payment has been sent incorrectly, please contact People’s Choice on 13 11 82.
A BIC Code is equivalent to a SWIFT Code and can be entered in this field.
Each country has different information that is required when sending money to a bank account. For example in Australia and New Zealand a BSB and Account Number is required. A BSB is similar to a BIC, Routing Code or Sort Code; it is a way to identify which bank you are sending the money to.
You should always confirm the Beneficiary details prior to sending a payment.
An IBAN is an International Bank Account Number, used to identify overseas bank accounts. An IBAN can be up to 34 characters long depending on the country. Each country has a fixed length and will start with 2 letters relating to the country e.g. the United Kingdom’s IBAN is 22 characters long and starts with GB.
A Beneficiary is the person overseas that you are sending money to and may also be referred to as the Payee.
A Purpose of Payment explains the reason for the transfer, i.e. Tax Invoice, Goods or Services, Gift etc. Each country has its own policies, legislation and requirements for receiving money and in some cases you may be asked to provide further details.
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