Bank Codes you May Need and what they mean
 
IBAN NUMBER - IBAN numbers are not used within Austalia
IBAN stands for International Bank Account Number. The IBAN is a globally recognised system used to identify bank accounts across geographic country and regional borders. IBANs greatly reduce errors and speed up international money payments and transactions. When sending payments from Australia to an IBAN country, the IBAN is mandatory

SWIFT CODE -  A SWIFT code unique identifier for every bank worldwide, used for incoming overseas payments to an Australian bank account. Every ban has a unique SWIFT code nd is the same code for every branch the bank has in Australia. 

BIC CODE - BIC code is a standard format for a Business Identifier Code (BIC). It's an 8–11 character code that identifies a bank or financial institution's country, city, bank, and branch. Banks use these codes to communicate with each other and to transfer money, especially for international transfers or SEPA payments.

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BSB CODE  - BSB stands for ‘bank, state, branch’, and is a set of 6 characters that identifies where a bank account is in Australia.

Banks BSB numbers to identify the bank and branch holding a bank account in Australia. Each branch has its own code, though some banks also have a single, centralised BSB for all their accounts. You’ll need a BSB to send money from one Australian bank account to another, or to send money to an Australian bank account from overseas.

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PAYMENT RFERENCE CODE - This is a code or instruction that is issued by the seller. It is impotant that you input the code or the instuction exactly as it has been referenced as this helps to track the funds and avoids any possible delay or possible loss of funds.