Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) SWIFT/BIC code

SWIFT/BIC code of Bank of Hebei (Formerly Shijiazhuang City Commercial Bank)

Whether a recipient gives you BKSHCNBJ or BKSHCNBJXXX, you are looking at the identical identifier for Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) in China. A BIC has a single purpose: it makes sure that an international payment reaches the right bank. In practice you mostly come across it on invoices from abroad, in payment forms and in the bank details that Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) provides.

This page is meant to help anyone who receives money at an account at Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) and wants to get the details right. The SWIFT code on its own does not identify a personal account; that is what the account number or IBAN .

Paying into Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) in CNY

Accounts at Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) are typically held in CNY, the national currency of China. If you send another currency, the amount gets converted somewhere along the way: by your bank, an intermediary or Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) itself. You rarely see a separate charge for the conversion.

Who does the conversion has an effect on how much arrives. Transferring the amount directly in CNY often avoids a second conversion at the receiving end.

The CNY rate fluctuates throughout the day. For regular payments, a slightly better rate make a real difference over a year.

How up to date is this code?

The codes here are taken from public sources which we refresh regularly. Even so, banks merge or retire codes and our data may lag behind. Counts and locations come from our own dataset and are not confirmed by Bank of Hebei (Formerly Shijiazhuang City Commercial Bank).

Use this page as a starting point, rather than as the final word: the recipient’s bank details come first. GoldexPay has no connection to Bank of Hebei (Formerly Shijiazhuang City Commercial Bank). Found an error? Let us know through the contact page so we can correct it.

Receiving money from abroad at Bank of Hebei (Formerly Shijiazhuang City Commercial Bank)

If you expect a payment from another country, give the sender everything they need in one go. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC BKSHCNBJXXX and usually your postal address.

It helps to include the bank name and its city too, since some forms ask for it. A mistake in the IBAN is more trouble than you might think.

Do not be surprised if the incoming amount is smaller than what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. Agree with the sender who covers the fees before the money is sent.

Transfer times and tracking a payment to Bank of Hebei (Formerly Shijiazhuang City Commercial Bank)

How fast a payment arrives at Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) is determined by several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent after the cut-off time or on a weekend or public holiday usually go out a business day later. Extra checks on larger or unusual payments can also add some delay, even when all details are correct.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique transaction reference, the UETR that banks can use to trace it. Money transfer services usually provide tracking online so you can see where the money has got.

Only the sending bank can start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, it helps to look at your account to see a slightly lower amount because fees can reduce the amount.

BKSHCNBJ or BKSHCNBJXXX – which one to use?

A SWIFT code is made up of fixed blocks: characters one to four stand for the bank, characters five and six show the country and the two after that mark the location. Combined, these eight characters form BKSHCNBJ, the code most people search for.

The long version has a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, which is why BKSHCNBJXXX and BKSHCNBJ lead to the same place.

Leave out spaces when you enter BKSHCNBJ. Watch for the letter O and the digit 0 and I versus 1.

Choosing between the 14 SWIFT codes of Bank of Hebei (Formerly Shijiazhuang City Commercial Bank)

We have 14 SWIFT/BIC codes for Bank of Hebei (Formerly Shijiazhuang City Commercial Bank). Next to the head office code BKSHCNBJXXX, there are codes for branches, departments or specific services.

For most incoming transfers, the head office code BKSHCNBJXXX works fine. When you receive a branch code, stick to it instead of swapping it for the head office code.

Not sure which code to use? Check with the recipient, or look at a recent statement from Bank of Hebei (Formerly Shijiazhuang City Commercial Bank). Codes for branches are more prone to be retired than BKSHCNBJXXX.

International transfers from Bank of Hebei (Formerly Shijiazhuang City Commercial Bank): the real cost

A bank transfer abroad can cost rather more than the listed fee. There is the transfer fee, possibly charges from correspondent banks in between and, above all, the margin on the exchange rate when the money is converted.

Banks rarely list the margin on the rate as a cost – you only notice it if you compare. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently offer a rate near the mid-market rate with clearer fees. Before your next transfer, it is worth comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving Bank of Hebei (Formerly Shijiazhuang City Commercial Bank) – you pay the provider from your own account.

Scams that use SWIFT codes

Be wary if a contact suddenly wants you to send money to another account. A real SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Do not rely on contact details in the same message that announces the change. Watch out for time pressure, odd spelling or a sender address that is slightly off. Already paid? Call the bank you paid from straight away and ask them to start a recall and report the fraud.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference abroad. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

How to check BKSHCNBJ before you pay

The safest source for a SWIFT code is the recipient’s own bank details. Compare that code with BKSHCNBJ on this page and ask if anything does not match.

With a wrong code, the payment may be delayed, be returned or end up costing more – sometimes after weeks of searching. Do not forget the IBAN: a mistake there is harder to correct than a wrong BIC.

Most online banking apps validate the structure of an IBAN and sometimes look up the BIC automatically. If your bank offers it, a name check before sending gives an extra layer of safety. Sending a small amount first is a sensible step for large sums despite the extra fee.