Chang Hwa Commercial Bank, LTD. Kunshan Branch SWIFT/BIC code

CCBCCNBK – the SWIFT/BIC code of Chang Hwa Commercial Bank, LTD. Kunshan Branch

The short code CCBCCNBK and the full code CCBCCNBKXXX refer to the same bank: Chang Hwa Commercial Bank, LTD. Kunshan Branch in Kunshan, China. Every bank on the SWIFT network uses BIC codes to direct international transfers to the correct institution. In daily life you usually see it on international invoices, in your banking app and in the bank details of Chang Hwa Commercial Bank, LTD. Kunshan Branch customers.

This page is meant to help anyone who pays into an account at Chang Hwa Commercial Bank, LTD. Kunshan Branch. The SWIFT code on its own does not identify an individual account holder; for that you need the account number or IBAN .

About this information

The details here come from publicly available data. It can happen that information here is no longer current after a merger or reorganisation. The figures we show are based on our own data, not official figures from Chang Hwa Commercial Bank, LTD. Kunshan Branch.

Before a payment that matters, confirm the BIC with Chang Hwa Commercial Bank, LTD. Kunshan Branch or the recipient. GoldexPay is independent of Chang Hwa Commercial Bank, LTD. Kunshan Branch; we are a comparison site for money transfers. Found an error? Tell us through the contact page and we will look into it.

How long does an international transfer to Chang Hwa Commercial Bank, LTD. Kunshan Branch take?

There is no single answer for international payments: some land the same day or the next while others need several business days. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

If the money is late, ask the sending bank about the tracking status and the transaction reference. Money transfer services often provide tracking online so you can see how far the payment has got.

Only the sending bank is able to start an official trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can look at your account for a partial amount, since fees may have been deducted.

Why Chang Hwa Commercial Bank, LTD. Kunshan Branch has an 8- and an 11-character code

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, two letters for the country and a two-character location code. The result is CCBCCNBK.

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, which is why CCBCCNBKXXX and CCBCCNBK lead to the same place.

In practice the code is written in capitals and without spaces. Watch for the letter O and the digit 0 and the letter I and the digit 1.

Chang Hwa Commercial Bank, LTD. Kunshan Branch: head office code versus branch codes

We have 2 SWIFT/BIC codes for Chang Hwa Commercial Bank, LTD. Kunshan Branch. Besides the head office code CCBCCNBKXXX, you will find codes for individual branches and departments.

In most cases there is no need to pick a branch: transfers addressed to CCBCCNBKXXX reach Chang Hwa Commercial Bank, LTD. Kunshan Branch without problems. If you have been given a specific code, stick to it instead of replacing it for the head office code.

The safest approach is to copy the code directly from the recipient’s invoice. Branch codes are more prone to be retired than CCBCCNBKXXX.

Protect yourself against fake payment requests

Be wary if someone unexpectedly asks you to send money to another account. That CCBCCNBK is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Check changed bank details via a different channel, such as a phone number you already know. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Already paid? Contact your bank straight away and ask them to start a recall.

Recipients are targeted too: a classic trick is a buyer who pays too much followed by a request to refund the difference to another account. Do not act before the money has really arrived and check with Chang Hwa Commercial Bank, LTD. Kunshan Branch if anything seems off.

Is CCBCCNBK still correct? How to check

Ask the recipient to copy their account details directly from a recent statement. Compare that code with CCBCCNBK on this page; if they differ, ask before you pay.

Mistakes in the SWIFT code 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 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. Where available, a name check on the recipient gives extra certainty. For a first payment, some people start with a small amount first before sending the rest.

What a transfer from Chang Hwa Commercial Bank, LTD. Kunshan Branch abroad really costs

If you transfer money to another country through Chang Hwa Commercial Bank, LTD. Kunshan Branch, the fee you see is rarely all of what you pay. There is the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup if the currency changes.

The markup on the rate tends to be the largest cost because it is hidden in the rate. Compare the rate you are offered with the mid-market rate.

Specialised transfer providers frequently use a rate near the mid-market rate. GoldexPay lists transfer providers next to each other so you can see what actually arrives for the same amount sent. Using a transfer service does not mean closing your account at Chang Hwa Commercial Bank, LTD. Kunshan Branch – you pay the provider from your own account.

The Chinese Yuan and what conversion costs you

China pays in the Chinese Yuan, with the currency code CNY. Money sent in a different currency will be exchanged into CNY before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate line for the conversion; it is built into the rate.

Who does the conversion has an effect on how much arrives, as rates and margins differ per bank. Often you pay less if you send CNY directly through a provider with a good rate rather than letting the receiving bank convert.

The rate for CNY fluctuates throughout the day. If you pay regularly, small differences in the rate add up over a year.

Incoming international payments to Chang Hwa Commercial Bank, LTD. Kunshan Branch

Someone abroad who wants to pay you needs a few details from you, and missing ones are a common cause of delays. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC CCBCCNBKXXX (or CCBCCNBK) and, often, your address.

It helps to add Chang Hwa Commercial Bank, LTD. Kunshan Branch and Kunshan as well, since some forms ask for it. A mistake in your account number can be harder to fix than it looks, so copy the details from your online banking.

The amount you receive can be lower than what was sent. Charges on incoming payments vary per bank – the price list of Chang Hwa Commercial Bank, LTD. Kunshan Branch tells you what applies. Agree with the sender who covers the fees.