China Minsheng Banking Corporation, Limited SWIFT/BIC code

China Minsheng Banking Corporation, Limited SWIFT code: MSBCCNBJ

MSBCCNBJ and MSBCCNBJXXX are the short and the long form of the same SWIFT/BIC code, and both point to China Minsheng Banking Corporation, Limited in Beijing. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, much like a postcode for banks. In practice you mostly see it on invoices from abroad, in your banking app and on the account details that China Minsheng Banking Corporation, Limited provides.

Below we go through the practical side: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you hit send. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number .

Changed bank details? Be careful

Be alert when someone unexpectedly asks you to pay into a different account. That MSBCCNBJ is a real code is no guarantee that a request mentioning it is genuine.

Do not rely on a phone number in the same message that announces the new account. Urgency or secrecy tend to be warning signs; a genuine business can wait for you to check. When money has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to send back the difference. A payment confirmation from the sender proves nothing – check your own account.

Why China Minsheng Banking Corporation, Limited has an 8- and an 11-character code

The layout of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. Together, these eight characters make up MSBCCNBJ.

Many payment forms accept either length. If a form requires eleven characters, enter MSBCCNBJXXX, otherwise MSBCCNBJ is fine.

Enter the code in one piece, in capitals and without spaces, exactly as shown here. Copying the code beats retyping it: a typo can point to another bank.

Before you send: check the China Minsheng Banking Corporation, Limited code

Ask the recipient to send you their account details straight from their online banking. When the code you were given differs from MSBCCNBJ or MSBCCNBJXXX, stop and ask – contact the recipient or China Minsheng Banking Corporation, Limited.

If the code is wrong, the transfer might get stuck, bounce back or end up costing more, and tracing it can take weeks. An error in the IBAN or account number is more serious, because the money may be credited to someone else, so check that just as carefully.

A format check by your bank only confirms that the IBAN is valid, not that it is the right account. Some banks now compare the payee name against the account. A small test payment can be a sensible step for large sums, even if it costs an extra fee.

Receiving money from abroad at China Minsheng Banking Corporation, Limited

When you expect money from abroad, send the payer everything they need in one go. What they need is: the account holder’s name, account number or IBAN, MSBCCNBJXXX and in many cases your home address.

It helps to include China Minsheng Banking Corporation, Limited and Beijing too, since some forms ask for it. A typo in your account number can be harder to fix than it looks; copy them from your banking app rather than typing.

Money from abroad will not always land for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. Agree with the sender who pays which costs, especially for larger amounts.

Where our SWIFT data comes from

The codes here are taken from publicly available data which we refresh regularly. It is possible that information on this page is out of date, for example after a merger. Counts and locations come from our directory.

Use this page as a starting point, not as the final word. GoldexPay is a comparison service for money transfers and not affiliated with China Minsheng Banking Corporation, Limited. Spotted an error? Tell us through the contact page and we will look into it.

Transfer times and tracking a payment to China Minsheng Banking Corporation, Limited

There is no fixed answer for every transfer: many arrive the same day or the next. Weekends and public holidays in either country add a day or more. Occasionally a bank wants to know what the payment is for.

Many banks are connected to SWIFT gpi. Each payment gets a unique reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the recipient confirms.

Only the sending bank is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, you can check your account to see a slightly lower amount, since fees may have been deducted.

China Minsheng Banking Corporation, Limited: head office code versus branch codes

Having 106 codes in 96 locations, China Minsheng Banking Corporation, Limited is one of the banks that use individual codes for parts of the organisation. The main code is MSBCCNBJXXX.

In most cases there is no need to look up a branch: payments sent to MSBCCNBJXXX reach China Minsheng Banking Corporation, Limited correctly. Only use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes are sometimes changed or retired over time.

Paying someone abroad from your China Minsheng Banking Corporation, Limited account

If you transfer money to another country from China Minsheng Banking Corporation, Limited, the fee you see is rarely all of the cost. Besides the transfer fee, correspondent or intermediary banks can take a cut, and if currencies are converted, the bank often applies a rate that is less favourable than the real market rate.

Banks rarely show their exchange rate markup separately – you only notice it if you compare. Check the rate you are offered with the mid-market rate.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. GoldexPay lists these services next to each other so you can see what actually arrives. You can still keep your account at China Minsheng Banking Corporation, Limited, while a cheaper service handles the conversion.

Paying into China Minsheng Banking Corporation, Limited in CNY

China uses the Chinese Yuan. When you pay money in a different currency, the amount gets converted at some point. There is rarely a separate charge for that conversion.

Who converts the money makes a difference. In many cases you pay less if you send CNY directly via a provider that converts near the mid-market rate rather than letting the receiving bank convert.

The CNY rate fluctuates throughout the day and quotes are often valid only for a short time. If you pay regularly, a slightly better rate add up over a year.