China Construction Bank Corporation SWIFT/BIC code

China Construction Bank Corporation SWIFT code: PCBCCNBJ

The short code PCBCCNBJ and the full code PCBCCNBJXXX refer to one and the same institution: China Construction Bank Corporation, with its head office in Beijing. A BIC does one job: it makes sure that money from abroad ends up at the right bank. It comes up mostly for transfers between countries.

Below you will find the practical side: receiving money at China Construction Bank Corporation, paying someone in another country and how to check the code before you hit send. The BIC names a bank or branch, not a specific account.

Is PCBCCNBJ still correct? How to check

Ask the recipient to copy the bank details directly from their online banking. When the code you were given does not match PCBCCNBJ or PCBCCNBJXXX, do not guess: check with the recipient or with China Construction Bank Corporation directly.

An incorrect BIC may lead to delays, a payment being sent back or additional charges for investigation. Do not forget the IBAN: a mistake there is harder to undo than a wrong code.

Most online banking apps check the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a name check on the recipient gives an extra layer of safety. For a first payment, some people start with a small amount first before sending the rest.

Changed bank details? Be careful

Stay alert when someone unexpectedly wants you to send money to a different account or a bank in another country. The fact that PCBCCNBJ exists does not mean that the account is genuine – fraudsters use real bank codes as well.

Do not trust a phone number from the same email that announces the new account. Pressure and secrecy are red flags; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from without delay and have them try to recall the payment.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to send back the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Paying into China Construction Bank Corporation in CNY

Accounts at China Construction Bank Corporation are usually held in CNY, the national currency of China. Money sent in a different currency is exchanged into CNY before it reaches the account – and the bank that does it picks the rate. There is rarely a separate charge for the conversion.

Which bank converts the money matters, because each party uses its own rate. Often it is cheaper if you send CNY directly via a provider with a good rate.

Rates for CNY move during the day – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over time.

Incoming international payments to China Construction Bank Corporation

For an international payment into your account at China Construction Bank Corporation, the sender has to have more than the BIC. The basics are: your name, IBAN or account number, PCBCCNBJXXX and in many cases your postal address.

It helps to add the bank name and Beijing as well. A typo in your account number is harder to fix than you might think.

Money from abroad does not always arrive in full. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. Agree with the sender who pays which costs before the money is sent.

About this information

The codes here are taken from publicly available data. Banks reorganise, close branches and retire codes. The number of codes we show reflect our own data, not official figures from China Construction Bank Corporation.

Before any payment of any size, always confirm the BIC with China Construction Bank Corporation or with the recipient. We are an independent comparison site for money transfers and not affiliated with China Construction Bank Corporation. If you notice something that is out of date, we welcome a message via the contact page.

Why China Construction Bank Corporation has an 8- and an 11-character code

The structure of every SWIFT code never changes: four characters for the institution, two for the country and a two-character location code, plus an optional branch code. Together, those parts form PCBCCNBJ, the code most people search for.

The full version has three more characters for a branch or department. If the last three are XXX, the code points to the head office, which is why PCBCCNBJXXX and PCBCCNBJ lead to the same place.

Do not add spaces or dashes when you enter PCBCCNBJ. Copying the code is safer than typing it by hand: a typo can point to another bank.

Tracking a transfer to or from China Construction Bank Corporation

How quickly a transfer arrives at China Construction Bank Corporation depends on several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Bank holidays in the sending or receiving country can add extra days to the journey. Occasionally a bank asks about the purpose of a payment.

When a payment takes longer than expected, ask your bank for the tracking status; with that reference banks can see where the payment is. Money transfer services often provide tracking in their app so you can see how far the money is.

A delayed transfer has to be investigated by the sending bank. Request from the sender the payment receipt including the reference – it helps your own bank look for the money.

China Construction Bank Corporation: head office code versus branch codes

We have 124 SWIFT/BIC codes for China Construction Bank Corporation. Next to the head office code PCBCCNBJXXX, you will find codes for regional offices and specialised units.

In most cases you do not need to pick a branch: payments addressed to PCBCCNBJXXX reach China Construction Bank Corporation without problems. When you receive a branch code, stick to it instead of replacing it for the head office code.

When in doubt, check with the recipient which code their bank gave them. Codes for branches are more likely to change than the head office code.

Sending money abroad from China Construction Bank Corporation

An international bank payment costs more than the listed fee. On top of a fixed fee, banks in between may deduct a fee, and when currencies are converted, the bank usually applies a rate that is less favourable than the actual market rate.

The markup on the rate is often the biggest item, and it is easy to miss. An easy check: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a transfer service is less expensive than a bank. On GoldexPay you can compare what recipients receive across services, so you can pick the cheapest route. Choosing a specialist does not require closing your account at China Construction Bank Corporation: you simply pay the service from your account.