Westpac Banking Corporation IFSC Code and MICR Code

Find Westpac Banking Corporation IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Westpac Banking Corporation IFSC Code, MICR Code and SWIFT Code

Electronic fund transfer techniques are simple and time-efficient. However, in order to redeem these services, you must be aware of some essential bank credentials, such as the IFSC code. Your Westpac Bank IFSC code is a one-of-a-kind identifier for your branch. Electronic fund transfer techniques are simple and time-efficient. However, in order to redeem these services, you must be aware of some essential bank credentials, such as the IFSC code. Your Westpac Bank IFSC code is a one-of-a-kind identifier for your branch.

The Indian Financial System Code, or IFSC, comprises 11 digits and the Reserve Bank of India issues it to denote your bank branch. The code enables paperless transactions via NEFT, RTGS, and IMPS. 

MICR code is another necessary credential essential to make cheque payments, and you can locate it on the cheque leaf, but the SWIFT code is vital for international fund transfers. There are several facets to these processes; read this extensive guide to learn more. 

Westpac Banking Corporation IFSC Code


The RBI employs the IFSC code to monitor your transactions to guarantee total security. The Westpac Bank IFSC code is an 11-digit alphanumeric code in the pattern' ABCD034567.' This code is in three sections:

  • The first four digits represent your bank.
  • The fifth digit is invariably a zero.
  • And the branch code is represented by the last six numbers.

For example, the Westpac Banking Corporation Mumbai branch IFSC code is WPAC0000001. Here the first four digits (WPAC) give you the bank name, the fifth digit is a zero, and the last six numbers (000001) are indicative of the bank branch.

The IFSC code is mandatory to carry out various fund transfers. It's also crucial for payment security since banks use it to trace transactions. Aside from that, it aids in determining the origin and end destination of your money. 

Westpac Banking Corporation MICR Code

MICR code is present on the cheque leaves. The Magnetic Ink Character Recognition technology is employed to print these codes. This code helps to identify, process, and clear checks. It is a 9-digit code, where:

  • The first three characters correspond to the city name and align with the PIN code.
  • The next three digits represent the bank.
  • The last three digits represent the branch.

For example, the Westpac Banking Corporation MICR code for the Mumbai branch is 400722000. Here the first three digits (400) give the city name, the following three digits (722) indicate the bank name, and the last three digits (000) represent the bank branch. The MICR code is present on the back of your check. It's at the bottom, right next to the cheque number.

Westpac Banking Corporation SWIFT Code


SWIFT code, or Society for Worldwide Interbank Financial Telecommunication, is one of the Bank Identifier Codes (BIC). It is an identifying code that banks use to execute international financial transactions. It enables payments and aids in the identification of the branches concerned. The SWIFT code plays a significant role in executing international wire fund transfers, and it aids banks in interbank communication.

The code comprises many characters and is generally 8-11 digits long. You may divide this code into four sections:

  • The first four letters depict the bank's name.
  • The subsequent two letters denote the country in which the bank is present.
  • The next two characters represent the bank's headquarters.
  • The final three characters represent the bank branch.

How To Find The IFSC Code & MICR Code Of Westpac Banking Corporation?


It's best to have credentials like the Westpac Bank IFSC code on hand in order to redeem multiple financial services. It may appear difficult to grasp everything, but it is actually relatively easy. There are several simple methods for locating these codes discussed further below:

Find Your Bank

Find Your Bank is a website where you may redeem a variety of financial services. It is without a doubt one of the simplest methods of obtaining your bank credentials. To get your IFSC and MICR code, go to their website or you can download the Find Your Bank mobile app from the Play Store. 

Provide the following information:

  • Name of your bank
  • State
  • District
  • Branch
  • Click 'Enter'

Bank Documents

You can easily find the bank credentials on the bank documents. The IFSC and MICR codes of your bank are present on the bank passbook as well as the cheque book. It's easy to discover them on the first page of your passbook and among the information on the cheque leaf. 


The Reserve Bank of India stores the IFSC and MICR codes for all Indian banks and their branches. You may find the codes by visiting the RBI's official website and searching for appropriate alternatives.

Netbanking And Mobile Banking

You must use the correct credentials to log in to your bank's Netbanking or Mobile Banking platform. When you log in, search for the available choices and pick the ones that apply to you in order to acquire the codes.

Bank Account Statements

You may find the SWIFT code on your bank statements, either on paper or digitally, through the online banking platform. The SWIFT code is present among the details given in it.

Contact Your Bank

If the above-given techniques do not work for you, contact your bank's customer service department, and they will assist you as needed. You can even approach your local branch for further information.

How To Transfer Money Through NEFT, RTGS & IMPS?


Paperless transactions are extremely important in this day and age, given changing lifestyles and a lack of time. There are many benefits to this as well, such as the fact that these payments are swift dependable, and you can do them from anywhere.

To execute all of these online transactions via NEFT, RTGS, and IMPS, you will require the Westpac Bank IFSC code. Aside from the IFSC code, you will also need the following to access these services:

  • Transaction amount
  • Beneficiary's bank's name
  • Beneficiary's full name
  • Remitter's account number beneficiary's account number
  • The beneficiary's bank branch's IFSC code
  • If relevant, sender-to-receiver information

You can finish the transactions using the data given above. For different approaches to complete payments online, refer to the procedures provided below.


National Electronic Fund Transfer, or NEFT, is a popular online transaction technique. The Reserve Bank of India established it. This technique settles transactions in batches and adheres to the DNS (Deferred Net Settling) methodology.

The Westpac Banking Corporation's NEFT service includes the following features:

Timings Available Throughout the Year
Charges applicable
  • Up to Rs.10,000-Rs.2.50
  • Up to Rs.1.00 lakh-Rs.5.00
  • Above Rs.1.00 lakh to 2.00 lakh-Rs.15.00
  • Above Rs.2.00 lakh-Rs.25.00
Settlement Batches
Maximum and Minimum limits No limits applicable on NEFT

GST applicable*

To make NEFT payment, go to Westpac Banking Corporation's Netbanking or Mobile Banking service. You must use your credentials to log in to the appropriate platform. 

Navigate to the NEFT option and complete the required information to add a beneficiary. Look for the terms and conditions, read them, and then finish the transfer when you've reviewed everything.

RTGS (Real-Time Gross Settlement) 

RTGS payments settle in real-time, which means that your transactions are completed at the time they are received. It operates on a per-individual or per-system basis, and payments are not reversible. Thus, they are often used for more significant sums.

The details of the RTGS service of Westpac Banking Corporation are below:

Timings Westpac Banking Corporation Working Hours
Charges applicable
  • Rs.2.00 lakh to Rs.5.00 lakh and above Rs.5.00 lakh (09.00 am-12.00 pm): Rs.25 Rs.51
  • Rs.2.00 lakh to Rs.5.00 lakh and above Rs.5.00 lakh (After 12.00 pm-3.30 pm): Rs.26 Rs 52
  • Rs.2.00 lakh to Rs.5.00 lakh (After 3.30 pm-4.30 pm, on weekdays)- Rs.31
Settlement Real-time
Minimum and maximum limit
  • The minimum limit is Rs. 2 lakhs
  • There is no maximum limit

GST applicable*

Log in to Westpac Banking Corporation's Netbanking or Mobile banking service using your username and password to access the RTGS service. As stated in the text, you will need the Westpac Bank IFSC code as well as additional credentials for online transactions.

Choose the RTGS fund transfer option and fill out the form to enter the beneficiary and transaction amount. To finish the procedure, carefully read the terms and conditions and click the confirm button.

IMPS Or Immediate Payment Service

IMPS, or Immediate Payment Service, is a round-the-clock electronic payment transfer solution that is available to you even on bank holidays. It completes the transfers in a timely and accessible manner. 

To utilize the IMPS service, go to Westpac Banking Corporation's online or mobile banking service and log in with your information. Once logged in, navigate to the payment option and ensure you have the credentials given below:

  • Mobile Money Identifier (MMID) code
  • Beneficiary's MMID code
  • Beneficiary's account number
  • Your mobile phone number
  • Beneficiary's AADHAR card number
  • Beneficiary's branch IFSC code

The details of the IMPS service of Westpac Banking Corporation are given below:

Timings Available Anytime
Settlement Instant
  • Up to Rs 10,000-Rs 5 + Applicable GST
  • Above Rs 10,000 and up to Rs 1 lakh- Rs 5 + Applicable GST
  • Above Rs 1 lakh and up to Rs 2 lakhs- Rs 15 + Applicable GST
Minimum limit Rs. 1
Maximum limit Rs. 2 Lakhs

GST applicable*

  • Go to the bank's mobile application.
  • ​Fill in your username and password to get access.
  • From the fund transfer menu, look for the 'IMPS' option.
  • Enter the required information as described above. You will have to enter a passcode issued to you for verification.

Once verified, you will receive a confirmation text message with your transaction number on your registered mobile phone. Your transaction would then be final. You may use this transaction number to trace your transaction and get assistance if anything goes wrong.

In the same way, you may receive money using these online transfer options by supplying the remitter with the necessary information.

About Westpac Banking Corporation


Westpac Banking Corporation is Australia's earliest and oldest bank, one of four major financial organizations in Australia, and New Zealand's largest bank. This bank, founded in 1817, has played a vital part in Australia's economic and social structure.

Westpac Banking Corporation provides a comprehensive range of financial services to commercial, corporate, institutional, and government clients. Westpac has had a representative office in India since 2007 in Mumbai, and the RBI granted it a foreign banking license in April.

Frequently Asked Questions

1) What Is The Westpac Branch Code?

The Westpac branch code is part of the IFSC code of the branch. In the IFSC code, the first four digits represent the bank, the fifth digit is invariably a zero, and the last six numbers represent the branch code.

2) How Do I Find My Westpac Branch?

If you use online banking, the quickest method to locate your bank branch is to log in and navigate to your account information. This should provide you with the name of your account, the account number, the sort code, and the branch address. You can also find the bank's branch address on any paper statements or emails you receive.

3) What Is A Bank SWIFT Code Westpac?

A SWIFT code or SWIFT BIC is a code that assists international banks in determining which bank to send money to. These codes are primarily for sending money between banks, particularly international wire transfers, but they're also used for conveying other communications between banks.

4) What Exactly Is MMID?

MMID, or Mobile Money Identifier code, is a seven-digit number provided by the bank to consumers who have enrolled on the Mobile banking platform. A valid MMID code is essential to complete an IMPS transaction.

5) Is Westpac Banking Corporation A Safe Bank?

Yes, it is one of Australia and New Zealand's most well-known banks. It has a highly customer-focused approach and offers dependable and fast services to consumers. In the event of some difficulty, you may contact the bank; help is always accessible.