China Resources Bank of Zhuhai Co. , LTD. SWIFT/BIC code

ZCCBCN22 – the SWIFT/BIC code of China Resources Bank of Zhuhai Co. , LTD.

If an invoice shows ZCCBCN22 or ZCCBCN22XXX, you are looking at the identical address for China Resources Bank of Zhuhai Co. , LTD. in China. The code does one job: it ensures that a cross-border transfer reaches the right bank. It comes up mostly when dealing with payments that cross a border or a currency.

This page is meant to help people who receives money at an account at China Resources Bank of Zhuhai Co. , LTD.. Remember that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

Protect yourself against fake payment requests

Stay alert if a contact unexpectedly asks you to pay into a different account. A correct SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Check changed payment details via a separate channel, never via the email that asked for the change. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. When a payment has already gone to the wrong account, call your bank right away.

Recipients are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference to another account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

A note on our data

This directory is based on public sources and is updated regularly. It can happen that information on this page is no longer current after a merger or reorganisation. The figures we show are based on what is in our directory.

For a payment that matters, always check the code with the recipient’s bank or the recipient. We are an independent comparison site and not affiliated with China Resources Bank of Zhuhai Co. , LTD.. Found an error? Tell us via our contact form and we will look into it.

Is ZCCBCN22 still correct? How to check

The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. Compare it with ZCCBCN22 here and ask if anything does not match.

With a wrong code, the transfer may be delayed, be returned or cost extra, and tracing it can take weeks. A mistake in the IBAN or account number is a bigger problem; check it just as carefully.

An automatic check by your bank merely confirms that the IBAN is valid, not that it is the right account. Where available, a name check on the recipient gives an extra layer of safety. Sending a small amount first can be worth it for a large first payment, even if it costs an extra fee.

Paying into China Resources Bank of Zhuhai Co. , LTD. in CNY

Accounts at China Resources Bank of Zhuhai Co. , LTD. are usually held in CNY, the local currency of China. A payment in a foreign currency is converted into CNY, and whoever converts it chooses the rate. Each conversion eats into something, even when no fee is shown.

Who converts the payment matters: every bank has its own margin. Compare what CNY the recipient gets with different providers.

Rates for CNY change all the time. If you pay regularly, a slightly better rate add up over time.

Transfer times and tracking a payment to China Resources Bank of Zhuhai Co. , LTD.

How quickly a transfer reaches China Resources Bank of Zhuhai Co. , LTD. depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or on weekends and holidays often go out a business day later. Extra checks by one of the banks may also cause some delay, regardless of the details.

When a payment takes longer than expected, contact the sending bank for the status and the transaction reference. Keep your transfer receipt until the recipient confirms.

Only the sending bank can request a trace; the receiving side usually has nothing to trace yet. Request from the sender the payment receipt including the reference; that often settles the question quickly.

Why China Resources Bank of Zhuhai Co. , LTD. has an 8- and an 11-character code

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, two letters for the country and a two-character location code. The result is ZCCBCN22.

Many banks and apps work with both lengths. If a form asks for eleven characters, enter ZCCBCN22XXX.

In practice the code is typed in capitals and without spaces. Watch for O versus 0 or the letter I and the digit 1, a common source of typos.

Paying someone abroad from your China Resources Bank of Zhuhai Co. , LTD. account

The price of an international transfer has several parts – not just the fee on your screen. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate.

Many banks do not show the margin on the rate as a cost. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently offer rates closer to the mid-market rate with clearer fees. GoldexPay compares these services next to each other, showing the amount the recipient gets for the same amount sent. You can always keep your account at China Resources Bank of Zhuhai Co. , LTD. as the source of the money.

Incoming international payments to China Resources Bank of Zhuhai Co. , LTD.

When you expect a payment from another country, send the payer everything they need in one go. That means: your name as registered with China Resources Bank of Zhuhai Co. , LTD., your account number or IBAN, the SWIFT/BIC code ZCCBCN22XXX and usually your postal address.

Certain sending banks want the bank’s address in Zhuhai; it does no harm to include it. Check each detail before you share them, because the sender’s bank usually copies them as is.

Expect that the incoming amount is below the amount on the sender’s receipt. Intermediary banks may deduct a fee, China Resources Bank of Zhuhai Co. , LTD. may charge for incoming payments, and if the currency changes, a markup on the rate applies. Make clear with the sender who pays which costs.

China Resources Bank of Zhuhai Co. , LTD.: head office code versus branch codes

China Resources Bank of Zhuhai Co. , LTD. uses 2 different SWIFT/BIC codes across 2 cities. One of them is the head office code, ZCCBCN22XXX; the rest belong to branches or departments.

For most incoming transfers, the head office code ZCCBCN22XXX works fine. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

If you are not sure, check with the recipient which code their bank gave them. Codes are sometimes changed or retired over time.