If you send or receive money within the UK, you have likely come across something called a sort code. Whether you are setting up a salary payment, transferring funds, or verifying bank details, understanding how sort codes work is essential.
In this guide, you will learn what a sort code is, how a sort code checker works, and see a list of major UK banks and their sort code formats.
What Is a Sort Code Checker?
A sort code checker is an online tool or banking feature that allows you to:
- Verify if a sort code is valid
- Identify the bank linked to the sort code
- Confirm the branch location
- Reduce payment errors
Many financial platforms in the UK use automatic sort code validation to prevent incorrect transfers. Some banks also offer internal verification tools within their apps.
Major Banks in the UK and Their Sort Codes
Below is a list of well-known banks in the UK and examples of their sort code ranges. Keep in mind that sort codes vary by branch.
1. HSBC UK
Common sort code ranges:
- 40-00-00 to 40-99-99
HSBC is one of the largest banks in the UK and offers both personal and business banking services.
2. Barclays
Common sort code ranges:
- 20-00-00 to 20-99-99
Barclays operates nationwide and provides retail, corporate, and investment banking services.
3. Lloyds Bank
Common sort code ranges:
- 30-00-00 to 30-99-99
Lloyds Bank is widely used for personal and small business banking.
4. NatWest
Common sort code ranges:
- 60-00-00 to 60-99-99
NatWest is known for its digital banking services and branch network across the UK.
5. Royal Bank of Scotland
Common sort code ranges:
- 83-00-00 to 83-99-99
RBS primarily operates in Scotland but also serves customers across the UK.
6. Santander UK
Common sort code ranges:
- 09-00-00 to 09-99-99
Santander UK offers personal, business, and savings accounts.
7. Nationwide Building Society
Common sort code ranges:
- 07-00-00 to 07-99-99
Nationwide is one of the largest building societies in the UK.
8. TSB Bank
Common sort code ranges:
- 77-00-00 to 77-99-99
TSB focuses mainly on retail and small business banking.
How To Check a UK Sort Code
If you want to confirm a sort code, follow these simple steps:
- Check the bank’s official website – Most banks list their branch details online.
- Use a trusted sort code checker tool – Many financial comparison sites offer this service.
- Confirm with the account holder – Always verify details directly before making large transfers.
- Contact the bank directly – This is the safest option if you are unsure.
Why Verifying Sort Codes Is Important
Using an incorrect sort code can lead to:
- Failed transactions
- Funds sent to the wrong account
- Payment delays
- Extra bank charges
That is why businesses and payroll departments often rely on automated sort code validation systems.
Difference Between Sort Code and Account Number
It is important not to confuse the two:
- Sort Code – Identifies the bank and branch
- Account Number – Identifies the specific customer account
Both are required to complete most UK bank transfers.
Conclusion
A sort code plays a vital role in UK banking. Whether you are making a salary payment, setting up direct debit instructions, or transferring funds to friends and family, verifying the correct sort code helps you avoid costly mistakes.
Before completing any transaction, always double-check the sort code using a reliable sort code checker or by confirming directly with the bank. Accurate details ensure your money reaches the right destination without delay.
Frequently Asked Questions (FAQs)
Can two banks share the same sort code?
No, each sort code is unique to a specific bank branch.
Is a sort code the same as a SWIFT code?
No, a sort code is used for domestic UK transfers, while a SWIFT code is used for international transfers.
How many digits does a UK sort code have?
Six digits, usually written in three pairs.
