Where can I find my branch address?

Your bank’s address is an important detail that’s often needed for money transfers and payments – more specifically, you’d need the branch address where you first opened your account.

Here’s how to find your branch address and why it’s important.

Your bank’s address is an important detail that’s often needed for money transfers and payments – more specifically, you’d need the branch address where you first opened your account.

Here’s how to find your branch address and why it’s important.

Anelda Knoesen
From the Money team
4
minute read
Do you know someone who could benefit from this article?
Posted 11 MARCH 2021

Why do I need my branch address?

When setting up a transaction – for example, a payment, money transfer or direct debit – you may be asked for your bank’s address. In this case, you should put the branch where you opened your account.

Even if you bank online and haven’t stepped into a bricks and mortar bank for some time, it’s still important to know your original branch. This is where your account is officially held.

Where can I find my branch address?

If you use online banking, the easiest way to find your bank branch is to log in and go to your account details. This should give you the name of your account, account number, sort code and branch address.

Your branch address should also be on any paper statements or letters you’ve received from your bank.

Another way to find your branch is through your sort code.

And if you want to find a branch of a bank near to you, most banks have a branch finder or locator on their website. Simply type in your postcode and they’ll give you the location of your nearest branch.

What is a sort code?

When you open a UK bank account, you’ll get an account number and a sort code. Your sort code is an essential part of your banking details and is needed for payments and money transfers into your account.

A sort code is a six-digit number that identifies your bank and your specific branch. It’s usually split into three parts separated by dashes, for example, 60-12-34.

  • The first two numbers identify the bank itself, for example, Barclays or NatWest
  • The last four numbers identify the actual branch where your account is held

The sort code is used by UK banks, the Cheque & Credit Clearing Company and other payment systems like CHAPS (Clearing House Automated Payment System), BACS (Bankers’ Automated Clearing System), and Faster Payments, to make sure a money transfer or cheque payment arrives at the right destination.

The sort code can also be used to find out where the payment is coming from, if it’s being sent to a legitimate bank or building society and whether they can accept the payment.

You can find your sort code:

  • on the front of your current account debit card
  • on your paper bank statements
  • in your cheque book and paying-in book
  • in your ‘account details’ when you log in to online banking or your bank’s mobile banking app

What are CHAPS, BACS and Faster Payments?

These are different payment systems used in the UK to pay money into an account.

  • CHAPS - this stands for Clearing House Automated Payment System. CHAPS is a direct bank-to-bank transfer which guarantees to arrive on the same day, as long as the payment request is made by a specific time, for example, 5pm. CHAPS is usually used for big payments over £10,000 – for example, putting down a deposit on a house.
  • BACS - this stands for Bankers’ Automated Clearing System. The most common type of electronic bank-to-bank transfer in the UK, it’s mainly used for Direct Debits, and payments usually take three working days to clear.
  • Faster Payments – the fastest way to send money in the UK. Can be done online, over the phone or in a bank branch. Normally a Faster Payment should arrive in minutes, but some can take up to two hours. Not all banks and building societies accept Faster Payments, so you’d need to check first.

If you’re sending money, you can check if the branch accepts Faster Payments, BACS or CHAPS by using an online sort code checker. A sort code checker can also be used to confirm that the sort code and branch address match and the bank is legitimate.

Do digital banks have sort codes?

Yes, they do. Although digital banks like Starling and Monzo don’t have physical branches, they do have a sort code.

App-based banks have just one sort code which is given to all their account holders.

  • Starling Bank’s sort code is 60-83-71
  • Monzo’s sort code is 04-00-04

What bank details do I need for a UK bank transfer?

If someone is sending you money within the UK, you’ll need to give them the following bank details:

  • your name as it appears on your bank account
  • your bank account number
  • your sort code

They might also want your bank’s name and address to check they match the sort code.

What bank details do I need for an international transfer?

If someone is sending you money from abroad, you’ll need to give them:

  • your name as it appears on your bank account
  • your IBAN
  • your bank’s SWIFT/BIC code

IBAN stands for International Bank Account Number. It’s made up of your sort code, account number, bank’s identifier code and country code, and two numbers called ‘check digits’. You’ll need this for international money transfers.

Your SWIFT code, also called a BIC code, is an international code that’s used to identify who your bank is and where it’s based. Every bank and building society in the UK has its own SWIFT code.

Find out more about IBANs and SWIFT codes.

Is it safe to give out my bank details?

It should be safe to give out your account number and sort code to receive a payment, for example, from your employer, family or from customers.

But you should never share your PIN number. And you should never share your other personal bank details like your card number, card expiry date or CVV number (the 3 numbers printed on the back of your card next to the signature strip), other than when prompted by a secure, verified payment processor.

Keep your bank details safe and always remember to log out properly from your online banking or mobile banking app.

Did you know?

Your bank or building society will never:

  • ask for passwords or your full PIN over the phone or by email
  • ask you to email or text your personal or banking details
  • offer banking services on any app other than the bank’s official app

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