Dezhou Bank Co.,ltd SWIFT/BIC code

SWIFT/BIC code of Dezhou Bank Co.,ltd

The 8-character code DECLCNBJ and the full code DECLCNBJXXX refer to the same bank: Dezhou Bank Co.,ltd. Every bank on the SWIFT network uses these codes to route international transfers to the correct bank. In practice you usually come across it on international invoices, in your banking app and in the bank details that Dezhou Bank Co.,ltd provides.

Further down we go through the practical questions: receiving money at Dezhou Bank Co.,ltd, paying someone in another country and how to verify the code before you hit send. The SWIFT code alone does not identify an individual account holder; that is what the account number or IBAN is for.

Where our SWIFT data comes from

We collect bank codes from public sources and update our list from time to time. It is possible that information here is out of date after a merger or reorganisation. The number of codes we show reflect what is in our directory and not on information from Dezhou Bank Co.,ltd itself.

Before any payment of any size, always confirm the BIC with the recipient’s bank or the recipient. GoldexPay is independent of Dezhou Bank Co.,ltd. Spotted an error? Tell us via our contact form so we can correct it.

What a transfer from Dezhou Bank Co.,ltd abroad really costs

The price of a payment abroad has more than one component, and the transfer fee is only the most visible one. Besides a fixed fee, banks in between can deduct a fee, and if currencies are converted, the bank usually uses a rate below the actual market rate.

That exchange rate margin is often the largest cost. A simple test: put the rate you get against the mid-market rate and look at the difference.

For many currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares the amount that arrives across providers. You can always keep your account at Dezhou Bank Co.,ltd.

Scams that use SWIFT codes

Criminals often use payment requests containing changed bank details sent from what looks like a familiar address. The fact that DECLCNBJ exists is no guarantee that a request mentioning it is genuine.

Always confirm a change of bank details through a phone call. Urgency or requests to keep it quiet are warning signs; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from straight away and ask them to try to recall the payment and report the fraud.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

When will the money arrive at Dezhou Bank Co.,ltd?

A SWIFT payment usually takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or on a weekend or public holiday usually start a business day later. Sometimes a bank wants to know about the purpose of a payment.

If the money is late, contact the sending bank about the tracking status; with that reference banks can see where the payment is. Keep the payment confirmation – you will need it for any trace request.

The bank that sent the money can request a trace or a recall. On the receiving end, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

8 or 11 characters: DECLCNBJ versus DECLCNBJXXX

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. The result is DECLCNBJ.

XXX at the end of DECLCNBJXXX does not stand for a missing value or a mistake: it stands for the main office of Dezhou Bank Co.,ltd. Certain payment forms insist on 11 characters, in which case you simply enter XXX after DECLCNBJ.

In practice the code is written in capitals. A wrong character can send the money to a different institution, so check it twice.

Before you send: check the Dezhou Bank Co.,ltd code

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

An incorrect BIC can cause a delay, a payment being sent back or additional charges for investigation. Remember the IBAN: an error there can be harder to undo than a wrong code.

An automatic check in your banking app only tells you that the code is valid – not that it belongs to the person you mean to pay. Some banks now compare the name against the account; take any warning seriously. For a first payment, some people start with a small test amount before sending the rest.

Paying into Dezhou Bank Co.,ltd in CNY

Most accounts at Dezhou Bank Co.,ltd are typically held in CNY, the national currency. Money sent in a different currency is converted into CNY – and the bank that does it picks the rate. Every conversion eats into the amount.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Often it is cheaper to send CNY straight away via a provider with a good rate.

Exchange rates change all the time, and some providers let you lock in a rate. If you pay regularly, small differences in the rate make a real difference over time.

Incoming international payments to Dezhou Bank Co.,ltd

If you expect a payment from another country, send the payer everything they need in one go. In practice that means: your name exactly as it appears on the account, your account number or IBAN, the BIC DECLCNBJXXX and usually your postal address.

It helps to add Dezhou Bank Co.,ltd and Dezhou too, since some forms ask for it. A mistake in your account number is more trouble than it looks; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is smaller than what the sender paid. Charges on incoming payments vary from bank to bank. Make clear with the sender who pays which costs before the money is sent.

Which of the 4 codes of Dezhou Bank Co.,ltd do you need?

We have 4 SWIFT/BIC codes for Dezhou Bank Co.,ltd, spread over 4 locations. Next to the head office code DECLCNBJXXX, there are codes for regional offices and specialised units.

Usually there is no need to look up a branch: payments sent to DECLCNBJXXX reach Dezhou Bank Co.,ltd correctly. If you have been given a branch code, use it as it is rather than swapping it for the head office code.

The best way is to copy the code directly from the account holder’s statement. Branch codes are more likely to change than DECLCNBJXXX.