Not having it handy meant the funds transfer was delayed. 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. For example, ABA numbers (or routing codes) identify banks in the US and Canada, Sort Codes identify banks in the UK. The website contains the codes and business descriptions that are used by Accident Compensation Corporation, Inland Revenue and Statistics New Zealand. 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
Virgin Islands British	Tortola	Pacific Alliance Investment Management Limited	Pacific Alliance Investment Management Limited	PAIEVGV1XXX