An NCC is a National Clearing Code. It’s required for any payments that are made to bank accounts that don’t have an International Bank Account Number (IBAN). Also referred to as a Routing Code, you won’t usually need to submit an NCC if you have an IBAN or a SWIFT/BIC.

National Clearing Codes are most often used to make payments outside of the EU, including to the United States, South Africa, New Zealand, and Australia.

When Do You Need to Use an NCC?

You don’t always need to provide an NCC. In fact, there are several scenarios in which you won’t need it at all. When you’re transferring funds to countries where the NCC is preferred, however, you’ll need to provide it, along with the receiving bank’s name and address. You can ask the payee for their account details, which they can get from their bank.

When you’re making payments to South Africa, Australia, or New Zealand, you may be asked to enter a BSB (Bank State Branch) code, so you won’t need to enter an NCC. Also, if you’re making payments to the United States, you’ll be asked to enter a routing number or ABA (American Bankers Association) code, so you won’t need to enter the NCC. And if you’re asked to provide a SWIFT/BIC, you can’t submit an NCC as well, so you should only use the SWIFT/BIC.

Take the Guesswork Out of Transfers with OFX

At OFX, we understand that transferring money internationally can get confusing with all of the various codes required for sending payments to different countries. That’s why we’ve designed a form that’s simple to fill out.  

Just create an account and let us know how much money you want to send and where you want to send it. We’ll take care of letting you know exactly what codes you need to submit to ensure your transfer goes through securely and swiftly.