Bank of Jiangsu Co LTD SWIFT/BIC code

What BOJSCNBN means for a payment to Bank of Jiangsu Co LTD

If an invoice shows BOJSCNBN or BOJSCNBNXXX, you are looking at the identical address for Bank of Jiangsu Co LTD in China. Every bank on the SWIFT network uses BIC codes to direct international transfers to the correct bank. You will need it mainly for transfers between countries.

This page is meant to help people who receives money at an account at Bank of Jiangsu Co LTD. Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

What the XXX in BOJSCNBNXXX means

A SWIFT code is built from a few fixed parts: the first four letters identify the bank, the next two show the country and characters seven and eight mark the location. That gives you BOJSCNBN, the short form of the code.

XXX at the end of BOJSCNBNXXX does not stand for a placeholder or a mistake: it indicates the main office of Bank of Jiangsu Co LTD. Some banking apps ask for 11 characters, in which case you can enter XXX after BOJSCNBN.

As a rule the code is typed in capitals and without spaces. A wrong character may route the money to another bank, so check it twice.

Transfer times and tracking a payment to Bank of Jiangsu Co LTD

An international transfer typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country can add extra days. Sometimes a bank wants to know what the payment is for.

When a payment takes longer than expected, ask your bank for the status or the UETR; with that reference banks can see where the payment is. Money transfer services usually provide a status online so you can see where the money has got.

If a payment has not arrived after a few business days, the sender should start with the bank that sent it, not the receiving bank. Request from the sender the payment receipt with the date and reference.

Getting paid from abroad into a Bank of Jiangsu Co LTD account

When you are waiting for a payment from another country, send the payer everything they need in one go. The basics are: your name, IBAN or account number, BOJSCNBNXXX or BOJSCNBN and often your home address.

Certain sending banks also ask for the name and address of Bank of Jiangsu Co LTD. Check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be less than what was sent. Intermediary banks may deduct a fee, Bank of Jiangsu Co LTD may charge for incoming payments, and if the currency changes, a markup on the rate applies. For business payments, it is common to agree who bears the costs.

Is BOJSCNBN still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare that code with BOJSCNBN here; if they differ, ask before you pay.

Mistakes in the SWIFT code tend to be annoying rather than fatal: often the payment comes back, minus fees. A mistake in the account number is a bigger problem, because the money may be credited to someone else.

A validity check in your banking app only tells you that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now compare the payee name with the account before you confirm; take any warning seriously. When you pay someone new, some people start with a small test amount.

Sending CNY to Bank of Jiangsu Co LTD

The currency of China is the Chinese Yuan (CNY). If you send money in a different currency, the amount gets converted at some point – by your bank, by Bank of Jiangsu Co LTD or by a bank in between. There is rarely a separate line for that conversion.

Where the conversion happens affects the final amount, as rates and margins differ per bank. Often you pay less to send CNY directly through a transfer service that converts near the mid-market rate, so that the receiving bank does not need to convert again.

Exchange rates change during the day, and some providers let you lock in a rate. If you pay regularly, small differences in the rate add up over a year.

Watch out for payment fraud

Scammers often send fake invoices containing changed bank details. That BOJSCNBN is a real code does not mean that the account is genuine.

Verify new payment details via a separate channel like a call to a number from an earlier contract, not by replying to the message. Pressure or requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. When a payment has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud also target the receiver: someone sends too much and wants you to refund the extra. A payment confirmation from the sender is no proof – check your own account.

What a transfer from Bank of Jiangsu Co LTD abroad really costs

What you pay for an international transfer is made up of several parts – not just the fee on your screen. On top of a fixed fee, banks in between can take a cut, and when the money changes currency, the bank usually applies a rate that is less favourable than the real market rate.

That exchange rate margin is often the biggest item, and it is easy to miss. Check the rate you are offered against the mid-market rate; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a bank, mainly because of the exchange rate. Before your next transfer, take a minute to compare what arrives on GoldexPay instead of going straight to your bank. You can always keep your account at Bank of Jiangsu Co LTD as the source of the money, while a cheaper service handles the conversion.

Bank of Jiangsu Co LTD: head office code versus branch codes

Bank of Jiangsu Co LTD has 3 separate SWIFT/BIC codes. One of them is the head office code; the rest identify branches, and sometimes internal departments.

If nobody asks you for a branch code, use BOJSCNBNXXX or its short form BOJSCNBN. Just use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

Unsure which code to use? Check with the recipient, or look at a recent statement from Bank of Jiangsu Co LTD. Branch codes are more prone to be retired than BOJSCNBNXXX.

How up to date is this code?

The directory on GoldexPay is based on public sources. Institutions reorganise, close branches and change codes. The figures we show reflect what is in our directory and not on information from Bank of Jiangsu Co LTD itself.

Use our data as a starting point, rather than as the final word: the recipient’s bank details come first. GoldexPay is not affiliated with Bank of Jiangsu Co LTD; we are a comparison site for money transfers. Should you notice a mistake, we appreciate a short note via the contact page.