Mega International Commercial Bank Co., LTD. SWIFT/BIC code

SWIFT/BIC code of Mega International Commercial Bank Co., LTD.

The 8-character code ICBCKHPP and the 11-character code ICBCKHPPXXX identify the same bank: Mega International Commercial Bank Co., LTD.. Banks worldwide use BIC codes to direct payments between countries to the right institution. It comes up mostly for payments that cross a border and payments in foreign currencies.

We wrote this page to help people who pays into an account at Mega International Commercial Bank Co., LTD. and wants to get the details right. A SWIFT code identifies a bank or branch, not a single account; the IBAN or account number does that.

Scams that use SWIFT codes

A common scam works like this: an email arrives with a message claiming that a contact has new bank details. A valid SWIFT code tells you nothing about who owns the account.

Check new bank details through a separate channel, never via the email that asked for the change. Urgency or secrecy are red flags. When a payment has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference to another account. A screenshot of a transfer proves nothing.

When will the money arrive at Mega International Commercial Bank Co., LTD.?

How fast a transfer reaches Mega International Commercial Bank Co., LTD. depends on several factors: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Transfers sent late in the day or just before a weekend or public holiday usually go out a business day later. Sometimes a bank asks about the purpose of a payment before releasing it.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

If the money does not arrive within the expected time, the sender should contact their own bank. Ask the sender for the payment receipt – it helps your own bank look for the money.

ICBCKHPP or ICBCKHPPXXX – which one to use?

A BIC is built from a few fixed parts: characters one to four identify the bank, the next two show the country and characters seven and eight indicate the location. For Mega International Commercial Bank Co., LTD., that core is ICBCKHPP.

Many banks and apps work with both lengths. If yours requires eleven characters, use ICBCKHPPXXX.

Type the code as one block, in upper case and without separators. A wrong letter may route the money to a different institution, so check it twice.

Verifying the SWIFT code of Mega International Commercial Bank Co., LTD.

Have the recipient copy their bank details directly from a recent statement. Compare it against ICBCKHPP on this page.

An incorrect BIC can cause a delay, a payment being sent back or additional charges along the way. Remember the IBAN: an error there is harder to undo than a wrong BIC.

A validity check by your bank only confirms that the IBAN exists, not that it is the right account. More and more banks compare the payee name with the account – do not ignore a mismatch warning. When you pay someone new, many people start with a small amount first before sending the rest.

Head office or branch code at Mega International Commercial Bank Co., LTD.?

Our directory lists 4 SWIFT/BIC codes for Mega International Commercial Bank Co., LTD.. Next to the head office code ICBCKHPPXXX, you will find codes for branches, departments or specific services.

Unless the recipient tells you otherwise, go with ICBCKHPPXXX. A branch code only makes sense when the account holder specifically asks for it.

Unsure which code to use? Check with the recipient, or look at a recent statement from Mega International Commercial Bank Co., LTD.. Codes for branches are more likely to be retired than ICBCKHPPXXX.

About this information

We collect SWIFT/BIC codes using public sources and check our list from time to time. It is possible that a code on this page is out of date. The number of codes we show are based on our own data and not on information from Mega International Commercial Bank Co., LTD. itself.

Use our data as a starting point, rather than as the final word: the recipient’s bank details come first. We are a comparison site and not affiliated with Mega International Commercial Bank Co., LTD.. Found an error? Let us know via our contact form and we will look into it.

Receiving money from abroad at Mega International Commercial Bank Co., LTD.

If you expect a payment from another country, give the sender everything they need in one go. The basics are: your name, account number or IBAN, ICBCKHPPXXX and, for some countries, your home address.

The sender’s bank may also ask for the bank address of Mega International Commercial Bank Co., LTD., in which case the Phnom Penh head office is the usual answer. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

An incoming payment does not always land for the full amount. Charges on incoming payments differ per bank. On invoices, it is common to state how the fees are split, so that nobody is left short.

Paying someone abroad from your Mega International Commercial Bank Co., LTD. account

If you send money abroad through Mega International Commercial Bank Co., LTD., the visible fee is rarely all of what you pay. On top of a fixed fee, banks in between can deduct a fee, and when currencies are converted the bank usually uses a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate that includes a margin. Check their rate against the mid-market rate. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer. GoldexPay lists these services side by side, showing the amount the recipient gets. Using a transfer service does not require closing your account at Mega International Commercial Bank Co., LTD.: you simply pay the service from your account.