Sort Code (Definition & Usage)
Definition
A sort code is a 6-digit number used by banks in the United Kingdom and Ireland to identify specific bank branches. The format is typically written as XX-XX-XX (e.g., 12-34-56).
Usage
Sort codes serve several key purposes:
- Identifying the specific bank and branch where an account is held
- Facilitating domestic bank transfers within the UK/Ireland banking systems
- Processing direct debits and standing orders
- Routing payments through the clearing system
Structure
The 6 digits are structured as follows:
- First two digits: Identify the bank
- Middle two digits: Geographic region or head office
- Final two digits: Specific branch location
Regional Application
Sort codes are exclusively used in:
- United Kingdom (including England, Scotland, Wales, and Northern Ireland)
- Republic of Ireland
Other countries use different systems for bank branch identification, such as routing numbers (USA) or BSB codes (Australia).