China Everbright Bank SWIFT/BIC code

China Everbright Bank SWIFT code: EVERCNBJ

The short code EVERCNBJ and the 11-character code EVERCNBJXXX refer to the same bank: China Everbright Bank, with its head office in Beijing. A BIC does one job: it ensures that an international payment reaches the right bank. You will need it mainly when dealing with transfers between countries and payments in foreign currencies.

This page is meant to help anyone who sends money to an account at China Everbright Bank without mistakes. A SWIFT code identifies a bank or branch, never a specific account, which is why you always need the account number too.

How long does an international transfer to China Everbright Bank take?

How fast a payment arrives at China Everbright Bank depends on a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Bank holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Extra checks by one of the banks can also add a delay, even when all details are correct.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the sender should contact the bank that sent it, not the receiving bank. On the receiving end, you can look at your account for a slightly lower amount, since fees may have been deducted.

What the XXX in EVERCNBJXXX means

The layout of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location. The result is EVERCNBJ, the short form of the code.

Most payment forms work with either length. If a form asks for eleven characters, enter EVERCNBJXXX; if it wants eight, use EVERCNBJ.

In practice the code is typed in capitals, without spaces or dashes. A single character can send a payment to another bank.

What to give a sender who pays you at China Everbright Bank

A sender in another country needs several details from you. That means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code EVERCNBJXXX and sometimes your postal address.

You can include the bank name and its city as well, since some forms ask for it. A typo in your account number can be more trouble than you might think.

Money from abroad does not always land in full. Charges on incoming payments vary per bank; check the price list of China Everbright Bank. On invoices, you can state who bears the costs.

Paying someone abroad from your China Everbright Bank account

If you transfer money abroad via China Everbright Bank, the fee you see is only part of what you pay. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

Many banks rarely show their exchange rate markup as a cost, but you pay it all the same. Check the rate you are offered with the mid-market rate. The difference is your real conversion cost.

Specialised transfer providers frequently use a rate near the mid-market rate. GoldexPay compares transfer providers side by side, showing what actually arrives before you commit. Choosing a specialist does not mean closing your account at China Everbright Bank – you pay the provider from your own account.

Sending CNY to China Everbright Bank

The currency of China is the Chinese Yuan (CNY). If you send money in a different currency gets converted somewhere along the way: by your bank, an intermediary or China Everbright Bank itself. There is rarely a separate line for that conversion.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Compare what CNY the recipient gets via different services.

The rate for CNY changes constantly and quotes are often valid only for a short time. With bigger transfers, a small difference in the rate can be worth more than the fee.

Watch out for payment fraud

One of the most common tricks goes like this: you receive a request saying that a supplier now has new bank details and that the next payment should go there. That EVERCNBJ is a real code does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Before paying, confirm changed bank details by phone. Pressure or requests to keep it quiet tend to be red flags. If a payment was sent to a fraudster, call your bank right away.

Recipients can be targeted as well: a classic trick is an overpayment followed by a request to refund the difference abroad. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Is EVERCNBJ still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare that code against EVERCNBJ on this page; if they differ, ask before you pay.

An incorrect BIC may lead to a delay, a payment being sent back or additional charges along the way. An error in the IBAN or account number is a bigger problem, so check that just as carefully.

An automatic check by your bank only tells you that the code exists, not that it is the right account. Some banks now check the name with the account before you confirm; take any warning seriously. When you pay someone new, some people start with a small test amount.

How up to date is this code?

The details on this page are taken from public sources. Still, banks merge, rename themselves or retire codes. The number of codes we show are based on what is in our directory and not on information from China Everbright Bank itself.

See our directory on this page as a helpful check and rely on the recipient or China Everbright Bank for the final confirmation. GoldexPay is a comparison service and not affiliated with China Everbright Bank. Found an error? Tell us via our contact form so we can correct it.

Choosing between the 42 SWIFT codes of China Everbright Bank

With 42 codes in 39 locations, China Everbright Bank belongs to the banks that register separate codes for branches and departments. The main code is EVERCNBJXXX.

Unless the recipient tells you otherwise, use EVERCNBJXXX or its short form EVERCNBJ. Branch codes are only needed when the recipient’s bank specifically mentions it.

Unsure which code applies? Check with the recipient, or look at a recent statement from China Everbright Bank. Branch codes are more prone to change than EVERCNBJXXX when a bank merges or closes offices.