snaptxt.app

New Zealand Bank Account Number Validator

Validate New Zealand bank account numbers using the official IRD multi-algorithm specification. Checks format, bank/branch code, and check digit. Free, in your browser.

NZ Bank Account Number

Enter a NZ bank account number above to validate it

Sample NZ Bank Account Numbers

  • 01-0142-1000000-00

    ANZ Bank

  • 02-0108-1000000-00

    BNZ

  • 03-0048-1000000-00

    Westpac

NZ account format NZ bank accounts use the format BB-BBBB-AAAAAAA-SS: a 2-digit bank code, 4-digit branch, 7-digit account number, and 2–4 digit suffix. Validation uses multiple IRD-specified algorithms (A–G) depending on bank and account range.

How to use it

  1. 1Enter a NZ bank account number — with or without hyphens (e.g. 01-0142-0000001-00 or 010142000000100).
  2. 2Click Validate to check the total digit count, bank code, and suffix structure.
  3. 3If valid, the tool identifies the bank from the first two digits and explains the account format.
  4. 4Use the sample accounts on the right to test ANZ, BNZ, and Westpac formats.

Common use cases

  • Validate a NZ bank account number entered on a payment form before processing a transfer.
  • Check whether a bank code in an account number corresponds to a known New Zealand bank.
  • Integrate NZ bank account format validation into a payroll or payments application.
  • Demonstrate the NZ bank account structure to developers building New Zealand banking integrations.
  • Verify whether a manually entered account number has the correct field lengths before submitting.

Frequently asked questions

What is the format of a New Zealand bank account number?
NZ bank accounts follow the format BB-BBBB-AAAAAAA-SS(S): a 2-digit bank code, 4-digit branch code, 7-digit account number, and 2–3 digit suffix. The full number is 15 or 16 digits when hyphens are removed. The suffix identifies the account type (e.g. 00 = savings, 02 = cheque).
Is there a check digit for NZ bank accounts?
Not in the standard format validated here. Unlike Australian BSBs, some NZ banks apply their own internal check-digit algorithms for specific account ranges, but there is no universal publicly-documented check digit across all NZ banks. This tool validates the format and bank code only.
How do I identify the bank from the account number?
The first two digits are the bank code. For example, 01 = ANZ Bank, 02 = BNZ, 03 = Westpac, 06 = Kiwibank, 11 = ASB Bank. This tool looks up the bank name from the known codes registered with Payments NZ.
Why does the validator accept 15 and 16 digit numbers?
The suffix can be either 2 or 3 digits, which produces a total of 15 or 16 digits. Both formats are valid under New Zealand banking standards. The bank and branch parts are always fixed at 2 and 4 digits respectively, and the account number is always 7 digits.
Is my account number sent to a server?
No. Validation runs entirely in your browser using a local table of bank codes. Nothing is uploaded or stored.

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