The overlapping issue between ISO 9362 and ISO 13616 is discussed in the article International Bank Account Number (also called IBAN). SWIFT is the process the Commonwealth Bank uses to send money overseas (similar to BPay used for domestic payments) and a BIC is the code that the SWIFT system uses to identify banks worldwide. Although BIC is often referred to by bankers as a SWIFT code or SWIFT address, do note that BIC is slightly different from SWIFT§. BIC + IBAN international bank transfers are faster, more efficient, and low-cost as they are sent directly through the SWIFT interbank network without using intermediary banks (who deduct charges or fees for their service).

Country	City	Bank Name	Branch	SWIFT
Indonesia	Jakarta	Jasereh Utama PT	Jasereh Utama PT	JAUTIDJ1XXX