China Bohai Bank Co., LTD SWIFT/BIC code

SWIFT/BIC code of China Bohai Bank Co., LTD

Whether you are given CHBHCNBT or CHBHCNBTXXX, it is the identical address for China Bohai Bank Co., LTD in China. Every bank on the SWIFT network uses these codes to route payments between countries to the right institution. It comes up mostly when dealing with transfers between countries or a currency.

Further down we go through the practical side: receiving money at China Bohai Bank Co., LTD, paying someone in another country and how to check a SWIFT code before you confirm a payment. The SWIFT code alone does not identify a personal account; for that you need the IBAN or account number .

What to give a sender who pays you at China Bohai Bank Co., LTD

When you expect money from abroad, send the payer all details at once. Share the account holder’s name, the IBAN or account number, the BIC CHBHCNBTXXX and your address.

The sender’s bank may also ask for the bank address of China Bohai Bank Co., LTD, in which case the Tianjin head office is the usual answer. A typo in the IBAN can be more trouble than you might think.

What lands in your account is often lower than the amount sent. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. Make clear with the sender who covers the fees.

Before you send: check the China Bohai Bank Co., LTD code

Have the recipient copy the bank details directly from their online banking. Check it against CHBHCNBT on this page; if they differ, ask before you pay.

Errors in the BIC are annoying rather than fatal: often the payment comes back, minus fees. An error in the IBAN or account number is more serious because it can reach the wrong person; check it just as carefully.

A validity 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 on the recipient adds extra certainty. When you pay someone new, some people send a small test amount before sending the rest.

Why China Bohai Bank Co., LTD has an 8- and an 11-character code

The layout of a BIC is always the same: a bank code of four letters, two for the country and two for the location, plus an optional branch code. That gives you CHBHCNBT, the short form of the code.

XXX at the end of CHBHCNBTXXX is not a placeholder or an error: it stands for the main office of China Bohai Bank Co., LTD. Some banking apps ask for 11 characters, in which case you can enter XXX behind CHBHCNBT.

Enter the code as one block, in upper case and without spaces, exactly as shown here. A wrong character may route the money to another bank, so check it twice.

What a transfer from China Bohai Bank Co., LTD abroad really costs

If you send money to another country through China Bohai Bank Co., LTD, the visible fee is only part of the cost. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup when the money is converted.

Many banks rarely show their exchange rate markup separately, but you pay it all the same. Check their rate with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For a lot of routes, a transfer service is less expensive than a bank – mostly thanks to the rate. GoldexPay compares these services side by side, showing what actually arrives before you commit. You can always use your account at China Bohai Bank Co., LTD to fund the transfer, while a cheaper service handles the conversion.

How long does an international transfer to China Bohai Bank Co., LTD take?

How quickly a payment reaches China Bohai Bank Co., LTD is determined by several factors: which currency you send, the number of banks in between, daily processing deadlines and time zones. Payments made after the cut-off time or just before weekends and holidays usually go out the next business day. Sometimes a bank asks what the payment is for.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR that banks can use to trace it. Save your transfer receipt until the money has arrived.

Only the sending bank is able to request a trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, it helps to check your account for a partial amount, since fees may have been deducted.

Sending CNY to China Bohai Bank Co., LTD

China pays in the Chinese Yuan. A payment in a foreign currency is exchanged into CNY on its way to China Bohai Bank Co., LTD. There is rarely a separate line for that conversion.

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 via a provider that converts near the mid-market rate, so that the receiving bank does not need to convert again.

The CNY rate fluctuates throughout the day. On larger amounts, a small difference in the rate adds up quickly.

Head office or branch code at China Bohai Bank Co., LTD?

Our database contains 3 SWIFT/BIC codes for China Bohai Bank Co., LTD. Besides the head office code CHBHCNBTXXX, there are codes for individual branches and departments.

If nobody asks you for a branch code, use CHBHCNBTXXX or its short form CHBHCNBT. A branch code only makes sense if the account holder specifically asks for it.

Unsure which code to use? Ask the recipient. Branch codes are more prone to change than CHBHCNBTXXX when a bank merges or closes offices.

Scams that use SWIFT codes

Fraudsters regularly send payment requests containing changed bank details sent from what looks like a familiar address. A correct SWIFT code tells you nothing about whether the request is genuine.

Verify new payment details via a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Urgency or requests to keep it quiet tend to be red flags. If a payment was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

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 to another account. A screenshot of a transfer proves nothing – check your own account.

A note on our data

Our SWIFT/BIC directory is compiled from public sources. Institutions reorganise, change names and retire codes – a directory can be a step behind. The number of codes we show are based on our own data.

Treat the information here as a helpful check. We are an independent comparison site for money transfers and not affiliated with China Bohai Bank Co., LTD. Found an error? Let us know through the contact page so we can correct it.