First Commercial Bank SWIFT/BIC code

First Commercial Bank SWIFT code: FCBKCNSH

The short code FCBKCNSH and the full code FCBKCNSHXXX identify one and the same institution: First Commercial Bank in Shanghai, China. A SWIFT code tells the banks handling a payment which institution should receive the money. You will need it mainly for transfers between countries or a currency.

On this page you can read how the code means, when it matters and which other details a transfer to or from First Commercial Bank requires. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN does that part.

What to give a sender who pays you at First Commercial Bank

Someone abroad who wants to pay you will ask for a few details about your account, and missing ones are a common cause of delays. What they need is: the account holder’s name, account number or IBAN, FCBKCNSHXXX or FCBKCNSH and, for some countries, your postal address.

It helps to add First Commercial Bank and Shanghai as well. Check the details before you share them, because the sender’s bank usually copies them as is.

An incoming payment will not always land for the full amount. Charges on incoming payments differ per bank – the price list of First Commercial Bank tells you what applies. On invoices, you can state who bears the costs.

Is FCBKCNSH still correct? How to check

Ask the recipient to send you their bank details directly from their banking app. Check that code against FCBKCNSH here.

With a wrong code, the transfer might get stuck, be returned or cost extra – sometimes after weeks of searching. Do not forget the account number: a mistake there can be more difficult to correct than a wrong code.

Most online banking apps validate the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a name check before sending gives an extra layer of safety. A small test payment can be a sensible step for a large first payment, even if it costs an extra fee.

What the XXX in FCBKCNSHXXX means

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, two letters for the country and a two-character location code. That gives you FCBKCNSH for First Commercial Bank.

XXX at the end of FCBKCNSHXXX is not a missing value or an error: it indicates the main office of First Commercial Bank. Some banking apps insist on 11 characters, and then you simply enter XXX behind FCBKCNSH.

As a rule the code is written in capitals and without spaces. A single letter may route a payment to a different institution, so check it twice.

A note on our data

We collect bank codes using publicly available data and update them from time to time. It can happen that information on this page is no longer current after a merger or reorganisation. The number of codes on this page reflect what is in our directory and not on information from First Commercial Bank itself.

Before any payment of any size, always check the BIC with First Commercial Bank or with the recipient. GoldexPay is not affiliated with First Commercial Bank; we are a comparison site for money transfers. Found outdated information? Let us know through the contact page and we will look into it.

How long does an international transfer to First Commercial Bank take?

There is no single delivery time: many arrive the same day or the next. Payments made after the cut-off time or on a weekend or public holiday often start the next business day. Occasionally a bank asks what the payment is for.

When a payment takes longer than expected, ask your bank about the tracking status or the UETR so they can trace it along the chain. Money transfer services often provide tracking online showing where the money is.

If the money does not arrive within the expected time, the person who paid needs to contact their own bank, not the receiving bank. On the receiving end, you can check your account to see a partial amount.

First Commercial Bank: head office code versus branch codes

Having 4 codes, First Commercial Bank belongs to the banks that register separate codes for parts of the organisation and departments. The main code is FCBKCNSHXXX.

Usually there is no need to look up a branch: transfers sent to FCBKCNSHXXX reach First Commercial Bank correctly. Only use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

The safest route is to copy the code straight from the account holder’s statement. Codes are sometimes changed or retired over time.

Paying into First Commercial Bank in CNY

China uses the Chinese Yuan, code CNY. If you send another currency it has to be converted at some point. Every conversion costs something – usually through the rate rather than a fee.

Who converts the payment makes a difference: every bank has its own margin. Transferring the money directly in CNY often prevents an extra conversion – as long as your own rate is good.

The rate for CNY fluctuates throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, a seemingly small gap in the rate adds up quickly.

Sending money abroad from First Commercial Bank

An international bank payment can cost more than the fee suggests. Besides a fixed fee, banks in between can deduct a fee, and when currencies are converted, the bank often applies a rate that is less favourable than the actual market rate.

The markup on the rate is often the biggest cost, and it is easy to miss. A simple test: set the rate you get against the mid-market rate for the same moment and look at the difference.

Specialist money transfer services often use rates closer to the mid-market rate and lower fees. Next time you send money, it is worth comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at First Commercial Bank as the source of the money; only the conversion and sending happen elsewhere.

Protect yourself against fake payment requests

Be wary when someone unexpectedly wants you to send money to another account abroad. A valid SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Never rely on contact details in the same message that announces the new account. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. When money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to send back the difference. A payment confirmation from the sender proves nothing.