Australia and New Zealand Bank (China) Company Limited SWIFT/BIC code

Australia and New Zealand Bank (China) Company Limited SWIFT code: ANZBCNSH

ANZBCNSH and ANZBCNSHXXX are two spellings of the same bank identifier, and both lead to Australia and New Zealand Bank (China) Company Limited in Shanghai. Every bank on the SWIFT network uses BIC codes to route payments between countries to the right institution. In daily life you mostly see it on invoices from abroad, in your banking app and in the bank details of Australia and New Zealand Bank (China) Company Limited customers.

Below we go through the practical side: receiving money at Australia and New Zealand Bank (China) Company Limited, paying someone in another country and how to verify the code before you hit send. The BIC identifies a bank or branch, never a single account.

Incoming international payments to Australia and New Zealand Bank (China) Company Limited

For an international payment into your account at Australia and New Zealand Bank (China) Company Limited, the person paying you needs not just the SWIFT code. Give them your name as the bank knows it, your account number or IBAN, the BIC ANZBCNSHXXX and your address.

You can add Australia and New Zealand Bank (China) Company Limited and Shanghai as well. Check each detail before you share them.

What lands in your account can be lower than the amount sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin applies. Agree with the sender who covers the fees before the money is sent.

Tracking a transfer to or from Australia and New Zealand Bank (China) Company Limited

There is no fixed answer: many arrive the same day or the next. Weekends and public holidays in the sending or receiving country add a day or more, since banks do not process on those days. Occasionally a bank asks what the payment is for, which can hold things up.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Keep the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

A delayed transfer is investigated from the sending side. As a recipient, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

Changed bank details? Be careful

A common scam goes like this: an email arrives with a request saying that a company now has a new bank account and asking you to pay there from now on. The fact that ANZBCNSH exists does not mean that a request mentioning it is legitimate; criminals use the codes of real banks too.

Check changed payment details through a different channel, such as a phone number you already know. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Already paid? Contact your bank without delay and have them start a recall and report the fraud.

Scams can also target the receiver. Someone claims to have sent more than agreed and wants you to refund the extra to a new account. Wait until the money has really arrived.

ANZBCNSH or ANZBCNSHXXX – which one to use?

The structure of a BIC never changes: a bank code of four letters, two for the country and a two-character location code. In this case, that core is ANZBCNSH.

The full version adds a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office.

Do not add spaces or dashes when you type ANZBCNSH; the code is always written in one block. A wrong letter can send the money to a different institution, so copy it carefully.

A note on our data

Our SWIFT/BIC directory is compiled from publicly available sources and we update it periodically. Banks reorganise, close branches and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our own dataset.

For a payment of any size, always confirm the BIC with the recipient’s bank or the recipient. GoldexPay is a comparison site and not part of Australia and New Zealand Bank (China) Company Limited. Spotted an error? Tell us through the contact page and we will look into it.

Before you send: check the Australia and New Zealand Bank (China) Company Limited code

The best place to find the right code remains paperwork issued by the bank. When the code you were given differs from ANZBCNSH or ANZBCNSHXXX, do not guess: check with the recipient or with Australia and New Zealand Bank (China) Company Limited directly.

With a wrong code, the payment may get stuck, bounce back or end up costing more. Do not forget the account number: an error there can be harder to correct than a wrong code.

An automatic check by your bank merely tells you that the code is valid, not that it is the right account. More and more banks check the name with the account before you confirm; take any warning seriously. When you pay someone new, many people start with a small amount first and wait for confirmation.

Choosing between the 6 SWIFT codes of Australia and New Zealand Bank (China) Company Limited

Australia and New Zealand Bank (China) Company Limited has 6 different SWIFT/BIC codes. One of them is the head office code; the rest identify branches.

Usually you do not need to pick a branch: payments sent to ANZBCNSHXXX reach Australia and New Zealand Bank (China) Company Limited correctly. Just use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

The safest route is to copy the code straight from the account holder’s invoice. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Paying someone abroad from your Australia and New Zealand Bank (China) Company Limited account

What you pay for a payment abroad has more than one component, and the transfer fee is only the most visible one. Besides the transfer fee, banks in between can take a cut, and when the money changes currency 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, not in the fee: many banks convert using an exchange rate that includes a margin. A simple test: put the bank’s rate next to the mid-market rate and work out the difference on your amount.

For a lot of routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. On GoldexPay you can compare the amount that arrives with different providers. Using a transfer service does not require closing your account at Australia and New Zealand Bank (China) Company Limited: you simply pay the service from your account.

The Chinese Yuan and what conversion costs you

Most accounts at Australia and New Zealand Bank (China) Company Limited are usually held in CNY, the national currency of China. A payment in a foreign currency is converted into CNY before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate line for the conversion.

Who converts the money makes a difference. Sending the amount already in CNY usually avoids an extra conversion at the receiving end – as long as your own rate is good.

Rates for CNY move all the time. With bigger transfers, a seemingly small gap in the rate adds up quickly.