Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) SWIFT/BIC code

SWIFT/BIC code of Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD)

The short code HZCBCN2H and the full code HZCBCN2HXXX refer to the same bank: Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) in Hangzhou, China. Every bank on the SWIFT network uses these codes to route payments between countries to the correct institution. It comes up mainly for transfers between countries or a currency.

This page is meant to help people who sends money to an account at Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD). The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN .

HZCBCN2H or HZCBCN2HXXX – which one to use?

The layout of every SWIFT code never changes: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. That gives you HZCBCN2H for Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD).

XXX at the end of HZCBCN2HXXX is not a placeholder or a mistake: it indicates the main office of Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD). Some forms insist on 11 characters, in which case you simply add XXX behind HZCBCN2H.

Leave out spaces, dots when you type HZCBCN2H or HZCBCN2HXXX. Copying the code is safer than typing it by hand: a typo can point to another bank.

Sending money abroad from Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD)

An international bank payment costs rather more than the listed fee. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup if the currency changes.

The real cost is often in the rate: many banks convert at a rate with a margin built in. A simple test: set the bank’s rate against the mid-market rate and look at the difference.

Money transfer services frequently offer a rate near the mid-market rate with clearer fees. Next time you send money, it is worth to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. You can still keep your account at Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) as the source of the money.

Where our SWIFT data comes from

The directory on GoldexPay is compiled from public sources and we update it periodically. Still, banks merge or retire codes, so information can be out of date. Figures such as the number of codes are from our directory and are not confirmed by Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD).

For a payment of any size, always check the code with Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) or the recipient. GoldexPay has no connection to Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD). Should you notice a mistake, we welcome a short note.

Before you send: check the Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) code

The safest source for a SWIFT code is the recipient’s own bank details. Compare that code with HZCBCN2H on this page.

With a wrong code, the payment may get stuck, be returned or end up costing more, and tracing it can take weeks. Remember the IBAN: an error there is harder to correct than a wrong BIC.

An automatic check in your banking app only confirms that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now compare the name against the account before you confirm; take any warning seriously. When you pay someone new, some people send a small amount first and wait for confirmation.

Getting paid from abroad into a Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) account

When you are waiting for money from abroad, give the sender a complete set of details. Share your name as the bank knows it, the IBAN or account number, the BIC HZCBCN2HXXX and your address, which some banks require.

It helps to include the bank name and its city as well, because some payment forms have separate fields for them. Double-check the details before you share them.

An incoming payment will not always land in full. Fees for incoming transfers differ per bank. Agree with the sender who pays which costs, especially for larger amounts.

Which of the 27 codes of Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) do you need?

With 27 codes, Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) belongs to the banks that register separate codes for branches and departments. The head office code is HZCBCN2HXXX.

In most cases there is no need to look up a branch: payments sent to HZCBCN2HXXX are routed within Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD) correctly. If you have been given a specific code, use it as it is instead of replacing it for the head office code.

Unsure which code to use? Check with the recipient, or look at a recent statement from Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD). Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

Transfer times and tracking a payment to Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD)

A SWIFT payment usually needs one to a few business days. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Compliance checks on larger or unusual payments may also cause some delay.

If a transfer is late, contact the sending bank about the tracking status or the UETR so they can trace it along the chain. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

If a payment has not arrived after a few business days, the person who paid needs to contact their own bank. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Protect yourself against fake payment requests

Stay alert if a contact unexpectedly asks you to pay into a different account. A real SWIFT code says nothing about whether the request is genuine.

Never rely on a phone number in the same message that contains the change. Watch out for urgent requests, odd spelling or an email address that differs by one letter. When a payment has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also target the receiver. Someone claims to have sent more than agreed and asks you to return the extra to a new account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Chinese Yuan (CNY) and conversion costs

The currency of China is the Chinese Yuan (CNY). Money sent in a different currency will be converted into CNY on its way to Bank of Hangzhou Co., LTD (Formerly Hangzhou City Commercial Bank Co., LTD). Every conversion eats into something – usually through the rate rather than a fee.

Where the conversion happens affects the final amount, as rates and margins differ per bank. Often it is cheaper to send CNY straight away via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

The rate for CNY fluctuates constantly, so the amount you see is usually only valid for a short time. For recurring payments, small differences in the rate make a real difference over a year.