Bank Zero Universal Branch Code: 888000

Bank Zero's universal branch code is 888000. Use this SINGLE code for ALL Bank Zero branches in South Africa — you do NOT need a different code per branch. This is the #1 source of confusion around South African branch codes.

Branch code888000

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Code verified June 2026. South African universal branch codes rarely change, but confirm with Bank Zero if in doubt.

When to use the Bank Zero branch code 888000

Salary setup : give 888000 to your employer as the branch code, plus your Bank Zero account number and account name.

Debit orders and DebiCheck : 888000 identifies Bank Zero in the PASA national payments system, regardless of which branch holds your account.

Incoming EFT from another bank : the sender (Capitec, FNB, Standard Bank, etc.) needs your account name, Bank Zero account number, and 888000.

Bill payment via EFT : not required if you pay through the Bank Zero app (the bank already knows its own code). Required if the billing authority processes via EFT batch.

You do NOT need the branch code for in-app transfers within Bank Zero.

Bank Zero branch code vs SWIFT code

The branch code 888000 is for DOMESTIC transfers within South Africa (EFT). For receiving an INTERNATIONAL wire (from overseas), you need Bank Zero's SWIFT/BIC code instead — not the branch code.

Bank Zero SWIFT code coming to our directory — for now, confirm with the bank.

Note : Universal code for Bank Zero — the South African app-only mutual bank.

Other South African bank branch codes

Frequently asked questions

What is Bank Zero's branch code?

888000. It is the universal code that covers ALL Bank Zero branches in South Africa. You do NOT need a separate code for your local branch.

Do I need my specific Bank Zero branch code?

No. Bank Zero uses a universal code system: the same 888000 works for every branch nationwide. This is different from Nigeria and Ghana, where each branch has its own code.

What is the difference between a branch code and an account number?

The branch code identifies the BANK (and in Nigeria/Ghana, the branch). The account number identifies YOUR personal account at that bank. For a South African EFT, you provide both: 888000 for Bank Zero + your Bank Zero account number.

Is Bank Zero's branch code the same as its SWIFT code?

No. The branch code (888000) is used for DOMESTIC EFT transfers within South Africa. The SWIFT/BIC code is used for INTERNATIONAL transfers (from overseas). See our Bank Zero SWIFT code page for transfers from outside South Africa.

When do I use the Bank Zero branch code?

When setting up a debit order (DebiCheck, standing order), giving your banking details to an employer (salary setup), receiving an EFT to your Bank Zero account from another South African bank, or for bill payment. Not needed for in-app transfers within the Bank Zero mobile banking app.