Fudian Bank Co., LTD SWIFT/BIC code

SWIFT/BIC code of Fudian Bank Co., LTD

KCCBCN2K and KCCBCN2KXXX are the short and the long form of the same SWIFT/BIC code, and both point to Fudian Bank Co., LTD in Kunming. A BIC has a single purpose: it makes sure that money from abroad reaches the right bank. You will need it mainly for payments that cross a border and payments in foreign currencies.

We wrote this page to help anyone who pays into an account at Fudian Bank Co., LTD and wants to get the details right. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN takes care of that.

Incoming international payments to Fudian Bank Co., LTD

To receive an international payment into your account at Fudian Bank Co., LTD, the sender has to have more than the BIC. That means: your name as registered with Fudian Bank Co., LTD, your IBAN or account number, the SWIFT/BIC code KCCBCN2KXXX and usually your postal address.

Some sending banks want the address of Fudian Bank Co., LTD in Kunming. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

Money from abroad will not always arrive for the full amount. Charges on incoming payments vary from bank to bank – the price list of Fudian Bank Co., LTD tells you what applies. Agree with the sender who pays which costs.

Verifying the SWIFT code of Fudian Bank Co., LTD

Ask the recipient to copy the bank details straight from a recent statement. When the code you were given does not match KCCBCN2K or KCCBCN2KXXX, do not guess.

A wrong SWIFT code may lead to delays, a payment being sent back or additional charges for investigation. Do not forget the IBAN: a mistake there is harder to undo than a wrong BIC.

A format check by your bank merely tells you that the IBAN is valid. Where available, a payee name check on the recipient gives extra certainty. For a first payment, some people send a small amount first before sending the rest.

Scams that use SWIFT codes

Be alert if a contact unexpectedly asks you to send money to another account abroad. A real SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Never trust contact details from the same email that announces the change. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. When a payment has already gone to a fraudster, contact your bank immediately.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to refund the difference to another account. Wait until the money is actually in your account.

Sending money abroad from Fudian Bank Co., LTD

What you pay for an international transfer is made up of more than one component, and the transfer fee is only the most visible one. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when currencies are converted, the bank often applies a rate below the actual market rate.

Many banks rarely show the margin on the rate as a cost. An easy check: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a specialist provider turns out to be cheaper than a bank – mostly thanks to the rate. GoldexPay lists these services next to each other, showing the amount the recipient gets for the same amount sent. Using a transfer service does not mean leaving Fudian Bank Co., LTD: you simply pay the service from your account.

A note on our data

The codes on this page are taken from public sources that we update regularly. It can happen that a code here is out of date. Counts and locations come from our directory.

See the information here as a handy check. GoldexPay is independent of Fudian Bank Co., LTD, we only compare transfer services. If you notice a mistake, we appreciate a short note via the contact page.

KCCBCN2K or KCCBCN2KXXX – which one to use?

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, the next two show the country and the two after that indicate the location. In this case, the 8-character core is KCCBCN2K.

XXX at the end of KCCBCN2KXXX does not stand for a placeholder or a mistake: it indicates the main office of Fudian Bank Co., LTD. Some banking apps ask for 11 characters, in which case you can add XXX behind KCCBCN2K.

Leave out spaces when you type KCCBCN2K. Look out for the letter O and the digit 0 and I versus 1.

Choosing between the 3 SWIFT codes of Fudian Bank Co., LTD

Having 3 codes, Fudian Bank Co., LTD belongs to the banks that use separate codes for branches and departments. The head office code remains KCCBCN2KXXX.

For most incoming transfers, the head office code KCCBCN2KXXX works fine. Only use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

The best way is to copy the code straight from the recipient’s statement. Codes can change when banks reorganise, so do not rely on old paperwork.

Paying into Fudian Bank Co., LTD in CNY

The currency in China is the Chinese Yuan (CNY). Money sent in a different currency will be converted into CNY – and the bank that does it picks the rate. Each conversion costs something, even when no fee is shown.

Where the conversion happens affects how much arrives, since every bank sets its own rate. Transferring the money directly in CNY usually prevents an extra conversion at the receiving end, provided the rate you get is fair.

Exchange rates move during the day – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over time.

Tracking a transfer to or from Fudian Bank Co., LTD

How quickly a transfer arrives at Fudian Bank Co., LTD is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Payments made late in the day or just before weekends and holidays usually go out a business day later. Occasionally a bank wants to know about the purpose of a payment.

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 show tracking in their app so you can see how far the money is.

A missing payment has to be investigated from the sending side. Request from the sender a copy of the payment confirmation.