EDWARD MATTHEW JONES or XYZ PTY LTD. 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 an international bank transfer, you need a SWIFT Code (BIC Code) and the IBAN Code. The IBAN Code is an international bank account number and consists of the Bank Sort Code and the account number.
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