Bank of Jinzhou Co.,ltd. SWIFT/BIC code

What JZCBCNBJ means for a payment to Bank of Jinzhou Co.,ltd.

Whether a recipient gives you JZCBCNBJ or JZCBCNBJXXX, it is the same address for Bank of Jinzhou Co.,ltd. in China. Banks worldwide use BIC codes to route payments between countries to the correct bank. It comes up mostly for payments that cross a border.

Further down we go through the practical side: receiving money at Bank of Jinzhou Co.,ltd., sending money abroad and how to check the code before you hit send. The BIC identifies an institution, not a specific account, which is why you always need the account number too.

When will the money arrive at Bank of Jinzhou Co.,ltd.?

How quickly a payment arrives at Bank of Jinzhou Co.,ltd. depends on a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Transfers sent late in the day or on a weekend or public holiday usually go out the next business day. Occasionally a bank wants to know about the purpose of a payment before releasing it.

When a payment takes longer than expected, contact your bank for the status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services often provide tracking online so you can see how far the money has got.

If the money does not arrive after a few business days, the sender needs to contact the bank that sent it rather than Bank of Jinzhou Co.,ltd.. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.

Which of the 11 codes of Bank of Jinzhou Co.,ltd. do you need?

Bank of Jinzhou Co.,ltd. has 11 different SWIFT/BIC codes across 11 locations. Only one is the head office code, JZCBCNBJXXX; the others belong to branches.

Unless the recipient tells you otherwise, use JZCBCNBJXXX or its short form JZCBCNBJ. Just use a branch code when your contact explicitly asks for it.

The best way is to copy the code directly from the recipient’s bank details. Codes for branches are more likely to be retired than JZCBCNBJXXX.

Sending CNY to Bank of Jinzhou Co.,ltd.

Accounts at Bank of Jinzhou Co.,ltd. are typically held in CNY, the local currency of China. If you send another currency gets converted at some point – by your bank, by Bank of Jinzhou Co.,ltd. or by a bank in between. Every conversion eats into the amount – usually through the rate rather than a fee.

Who converts the money makes a difference: every bank has its own margin. Often it is cheaper if you send CNY directly via a provider that converts near the mid-market rate.

The CNY rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.

Scams that use SWIFT codes

A common scam works like this: you receive a message saying that a contact has a new bank account and asking you to pay there from now on. That JZCBCNBJ is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Always confirm a change of bank details by phone, using a number you already had. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Already paid? Call your bank straight away and have them start a recall; also report it to the police.

Scams also target the receiver. Someone claims to have sent too much and asks you to refund the difference. Wait until the money is actually in your account – ask Bank of Jinzhou Co.,ltd. if something looks wrong.

International transfers from Bank of Jinzhou Co.,ltd.: the real cost

A bank transfer abroad can cost rather more than the listed fee. On top of a fixed fee, banks in between can take a cut, and when currencies are converted the bank often uses a rate that is less favourable than the actual market rate.

Many banks rarely list their exchange rate markup as a cost. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites.

Specialist money transfer services often use a rate near the mid-market rate with clearer fees. On GoldexPay we compare what recipients receive across services. Choosing a specialist does not require closing your account at Bank of Jinzhou Co.,ltd.: you simply pay the service from your account.

About this information

We gather SWIFT/BIC codes from publicly available data and check them regularly. It is possible that information here is out of date after a merger or reorganisation. The number of codes on this page are based on our own data.

For any payment that matters, confirm the BIC with Bank of Jinzhou Co.,ltd. or the recipient. GoldexPay has no connection to Bank of Jinzhou Co.,ltd.. Spotted outdated information? Tell us through the contact page and we will look into it.

Why Bank of Jinzhou Co.,ltd. has an 8- and an 11-character code

Every SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. Combined, those parts form JZCBCNBJ.

XXX at the end of JZCBCNBJXXX does not stand for a missing value or an error: it indicates the main office of Bank of Jinzhou Co.,ltd.. Some forms ask for 11 characters, in which case you simply add XXX behind JZCBCNBJ.

Do not add spaces, dots when you type JZCBCNBJ or JZCBCNBJXXX. Look out for the letter O and the digit 0 or I versus 1, a common source of typos.

What to give a sender who pays you at Bank of Jinzhou Co.,ltd.

When you are waiting for money from abroad, send the payer a complete set of details. That means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code JZCBCNBJXXX and sometimes your address.

It helps to add Bank of Jinzhou Co.,ltd. and Jinzhou too. A mistake in the IBAN is more trouble than it looks.

An incoming payment will not always land for the full amount. Intermediary banks may deduct a fee, Bank of Jinzhou Co.,ltd. may charge for incoming payments, and if the currency changes, a markup on the rate applies. Make clear with the sender who pays which costs before the money is sent.

Verifying the SWIFT code of Bank of Jinzhou Co.,ltd.

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. When the code you were given differs from JZCBCNBJ or JZCBCNBJXXX, stop and ask – contact the recipient or Bank of Jinzhou Co.,ltd..

Mistakes in the BIC tend to be annoying rather than disastrous – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number is more serious because it can reach the wrong person; check it just as carefully.

A format check in your banking app only confirms that the code is valid, not that it is the right account. Where available, a payee name check before sending adds an extra layer of safety. For a first payment, some people send a small test amount before sending the rest.