Bank of Beijing SWIFT/BIC code

BJCNCNBJ – the SWIFT/BIC code of Bank of Beijing

The short code BJCNCNBJ and the 11-character code BJCNCNBJXXX refer to the same bank: Bank of Beijing, with its head office in Beijing. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money, much like a postcode for banks. In practice you usually come across the code on international invoices, in your banking app and in the bank details of Bank of Beijing customers.

We wrote this page to help anyone who sends money to an account at Bank of Beijing without mistakes. Keep in mind that the BIC just identifies the bank, not the person: the IBAN or account number takes care of that.

What the XXX in BJCNCNBJXXX means

The layout of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. Together, these eight characters form BJCNCNBJ.

Many payment forms accept either length. If a form asks for eleven characters, use BJCNCNBJXXX.

As a rule the code is written in capitals, without spaces or dashes. A wrong letter may route a payment to another bank, so copy it carefully.

Paying someone abroad from your Bank of Beijing account

The price of a payment abroad is made up of several parts, and the transfer fee is only the most visible one. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted, the bank usually uses a rate below the actual market rate.

The markup on the rate tends to be the biggest cost, and it is easy to miss. A simple test: set the rate you get next to the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently use rates closer to the mid-market rate with clearer fees. On GoldexPay we compare the amount that arrives across services, which makes the cheapest option easy to spot. You can still use your account at Bank of Beijing; only the conversion and sending happen elsewhere.

Incoming international payments to Bank of Beijing

To receive a transfer from abroad into your account at Bank of Beijing, the sender has to have not just the SWIFT code. Share the account holder’s name, the IBAN or account number, the BIC BJCNCNBJXXX and your address, which some banks require.

You can add Bank of Beijing and Beijing as well, since some forms ask for it. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

Do not be surprised if the incoming amount is below what the sender paid. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin applies. Make clear with the sender who pays which costs, especially for larger amounts.

Before you send: check the Bank of Beijing code

The most reliable source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. If the code you have does not match BJCNCNBJ or BJCNCNBJXXX, do not guess: check with the recipient or with Bank of Beijing directly.

Mistakes in the SWIFT code tend to be costly more than fatal. Do not forget the IBAN: a mistake there can be harder to undo than a wrong BIC.

Many banking apps validate the structure of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a payee name check on the recipient adds extra certainty. A small test payment is worth it for large sums.

Paying into Bank of Beijing in CNY

China uses the Chinese Yuan (CNY). When you pay money in a different currency, the amount gets converted at some point. Every conversion eats into something.

Who converts the payment makes a difference: every bank has its own margin. Often you pay less to send CNY straight away through a transfer service with a good rate.

The rate for CNY changes throughout the day and quotes are often valid only for a short time. On larger amounts, even small difference in the rate can be worth more than the fee.

When will the money arrive at Bank of Beijing?

A SWIFT payment usually needs one to a few business days. Weekends and public holidays in either country add extra days. Extra checks on larger or unusual payments may also cause a delay, regardless of the details.

Many banks use SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR that banks can use to trace it. Save your transfer receipt until the money has arrived.

Only the sending bank can start an official trace or a recall; the receiving side usually has nothing to trace yet. As a recipient, you can look at your account for a slightly lower amount, since fees may have been deducted.

Watch out for payment fraud

Fraudsters often send fake invoices containing new bank details, sometimes in an email that looks completely genuine. The fact that BJCNCNBJ exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, confirm changed bank details through a phone call on a number you know, not one from the message. Watch out for time pressure, unusual wording or a sender address that is slightly off. If money was sent to the wrong account, call your bank right away.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference to another account. Wait until the money has really arrived – ask Bank of Beijing if something looks wrong.

Which of the 19 codes of Bank of Beijing do you need?

Having 19 codes, Bank of Beijing is one of the banks that use separate codes for branches and departments. The head office code is BJCNCNBJXXX.

If nobody asks you for a branch code, use BJCNCNBJXXX or its short form BJCNCNBJ. When you receive a specific code, use it as it is rather than replacing it for the head office code.

The best way is to copy the code directly from the account holder’s statement. Codes can change over time, so do not rely on old paperwork.

About this information

We collect SWIFT/BIC codes using public sources and update our list from time to time. Even so, banks merge, rename themselves or change codes. The number of codes we show reflect our own data.

Use this page as a reference, not as the last word. We are an independent comparison service and not part of Bank of Beijing. Should you notice something that is out of date, we appreciate a short note via the contact page.