Bank of Changsha SWIFT/BIC code

CHCCCNSS – the SWIFT/BIC code of Bank of Changsha

Whether you are given CHCCCNSS or CHCCCNSSXXX, it is the same address for Bank of Changsha in China. A SWIFT code shows the sending bank exactly which bank is meant to get the money, much like a postcode for banks. In daily life you usually come across the code on international invoices, in your banking app and in the bank details of Bank of Changsha customers.

On this page you will find how the code is put together, when it matters and which other details you need for a transfer to or from Bank of Changsha. A SWIFT code names an institution, not a single account.

Which of the 3 codes of Bank of Changsha do you need?

With 3 codes in 3 cities, Bank of Changsha is one of the banks that use individual codes for branches. The head office code remains CHCCCNSSXXX.

Unless the recipient tells you otherwise, use CHCCCNSSXXX. Branch codes are only needed when the recipient’s bank explicitly asks for it, which is more common for corporate accounts and trade services.

The safest approach is to copy the code directly from the recipient’s statement. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

What to give a sender who pays you at Bank of Changsha

For an international payment at Bank of Changsha, the sender has to have more than the BIC. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC CHCCCNSSXXX and, often, your address.

Their bank may also ask for the address of your bank, in which case the Hunan head office is the usual answer. Check every detail before you send them, because the sender’s bank usually copies them as is.

Money from abroad will not always land in full. Fees for incoming transfers differ from bank to bank; check the price list of Bank of Changsha. Make clear with the sender who covers the fees before the money is sent.

What a transfer from Bank of Changsha abroad really costs

An international bank payment costs rather more than the fee suggests. There is the transfer fee, sometimes charges from correspondent banks in between and, above all, the exchange rate markup when the money is converted.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert at a rate that includes a margin. Check their rate with the mid-market rate.

For many currency pairs, a transfer service is cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares what recipients receive across services. Using a transfer service does not require leaving Bank of Changsha.

How long does an international transfer to Bank of Changsha take?

There is no single answer: some arrive within a day. Transfers sent late in the day or on a weekend or public holiday usually start a business day later. Extra checks by one of the banks can also cause a delay, regardless of the details.

If the money is late, ask the sending bank for the tracking status so they can trace it along the chain. Specialist transfer services usually provide a status in their app showing how far the payment has got.

The bank that sent the money can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation including the reference; that often settles the question quickly.

Protect yourself against fake payment requests

A common scam goes like this: you receive a message saying that a contact now has new bank details. The fact that CHCCCNSS exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Before paying, verify a change of bank details by phone on a number you know, not one from the message. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. When a payment was sent to a fraudster, contact your bank immediately.

Fraud also target the receiver: someone sends more than agreed and wants you to refund the difference. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Sending CNY to Bank of Changsha

Accounts at Bank of Changsha are usually held in CNY, the national currency. When you pay another currency it has to be converted somewhere along the way. Each conversion costs the amount, even when no fee is shown.

Which bank converts the money matters. Transferring the amount directly in CNY usually prevents an extra conversion by Bank of Changsha.

Exchange rates move all the time, and some providers let you lock in a rate. For regular payments, small differences in the rate make a real difference over a year.

CHCCCNSS or CHCCCNSSXXX – which one to use?

A SWIFT code is built from a few fixed parts: the first four letters identify the bank, the next two give the country and the two after that indicate the location. Together, these eight characters form CHCCCNSS, the code most people search for.

The full version has three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office.

Type the code in one piece, in capitals and without separators, exactly as shown here. Copying the code is safer than typing it by hand: a typo can point to another bank.

Where our SWIFT data comes from

The codes on this page are taken from public sources which we refresh regularly. It is possible that information here is no longer current after a merger or reorganisation. Counts and locations are from our directory and may differ from what Bank of Changsha publishes.

Use this page as a starting point, not as the last word. We are a comparison site for money transfers and not part of Bank of Changsha. If you notice a mistake, we welcome a message.

Before you send: check the Bank of Changsha code

Ask the recipient to copy their account details straight from their online banking. Compare that code against CHCCCNSS here and ask if anything does not match.

With a wrong code, the transfer might be delayed, bounce back or end up costing more. A mistake in the IBAN or account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

An automatic check by your bank only tells you that the IBAN exists. More and more banks compare the name with the account before you confirm; take any warning seriously. Sending a small amount first can be a sensible step for a large first payment.