What’s a NCC?

NCC stands for National Clearing Code, and is used for making payments to accounts that don’t have an IBAN. A NCC can also be called a Routing Code.

When do you need to use a NCC?

You likely won’t use it much if at all for payments in the EU, but it may crop up if you’re making payments to the US, South Africa, Australia or New Zealand.

If you’re making a payment to the US you may be asked for a routing number or American Bankers Association (ABA) number instead of a NCC. If you’re making a payment to South Africa, Australia or New Zealand you may be asked for a Bank State Branch (BSB) code instead of a NCC. If you’re ever asked for a SWIFT code no matter what country your sending money to, you won’t need a NCC.

If you do make a payment to a country that uses NCCs, you’ll also need to provide the payee’s bank name and address.

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Where are NCCs used?

NCCs are mostly used if you’re sending money to the US, Australia, New Zealand or South Africa.


Also known as a routing code, you’ll only need a NCC if you don’t already have an IBAN or SWIFT number.

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