Definition
A sort code is the six-digit number that identifies a UK bank and branch, usually written in three pairs such as 12-34-56. Together with an eight-digit account number, it lets a payer send money to the right account. UK invoices list the sort code and account number in the payment details.
Also called: Bank sort code, UK sort code
Sort code in practice
Sort codes are used for domestic UK payments by Faster Payments, Bacs, and CHAPS. Clients paying from abroad need your IBAN and your bank's BIC instead, which already contain the sort code and account number.
With Confirmation of Payee, the payer's bank checks the account name against the sort code and account number before the payment is sent. Put your account name on the invoice exactly as the bank holds it to avoid a mismatch warning.
Fraudsters often send fake emails announcing new bank details. Ask clients to confirm any change by phone before paying, and do the same for suppliers.
Example
An invoice's payment section reads: "Pay by bank transfer to Example Design Ltd, sort code 12-34-56, account 12345678, reference INV-0142."
Frequently Asked Questions
Is it safe to put my sort code on an invoice?
It is standard practice. Your sort code and account number let clients pay you, and a Direct Debit can only be set up with your authorisation, so the risk is low. Keep an eye on your statements as usual.
What is the US equivalent of a sort code?
The routing number. In Australia the equivalent is the BSB number, and payments within Europe use the IBAN.
Related terms
- Bacs payment A Bacs payment is an electronic bank transfer between UK accounts processed through the Bacs scheme, which takes three working days to clear.
- Routing number A routing number is the nine-digit code that identifies a US bank or credit union in domestic transfers.
- BSB number A BSB number is the six-digit code that identifies an Australian bank and branch, usually written in the format 123-456.
- IBAN An IBAN (International Bank Account Number) is a standardized account identifier of up to 34 characters, starting with a two-letter country code, used for cross-border bank transfers in Europe and many other regions.
- SWIFT code A SWIFT code, also called a BIC (Bank Identifier Code), is an 8 or 11 character code that identifies a specific bank and branch for international wire transfers.
- Wire transfer A wire transfer is an electronic payment sent individually from one bank to another, usually settling the same day for domestic transfers and within one to five business days internationally.
This page is for general information only and is not legal, tax, or financial advice. Rules change and vary by location, so consult a qualified lawyer or accountant about your situation.