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. BIC + IBAN is not available in the United States of America, nor is it likely to be, with the decentralized structure of the US banking system and lack of nationwide banks. Nedbank is a primarily South African bank, with its head office in Johannesburg. For example, DEUTDEFF500 would direct the payment to an office of Deutsche Bank in Bad Homburg.

Country	City	Bank Name	Branch	SWIFT
Thailand	Bangkok	United Overseas Bank Thai Public Company Limted	United Overseas Bank Thai Public Company Limted	BKASTHBKXXX