Fujian Jinjiang Rural Commercial Bank Co., LTD SWIFT/BIC code

Fujian Jinjiang Rural Commercial Bank Co., LTD SWIFT code: FJROCNB1

The 8-character code FJROCNB1 and the full code FJROCNB1XXX refer to the same bank: Fujian Jinjiang Rural Commercial Bank Co., LTD, with its head office in Jinjiang. A BIC has a single purpose: it makes sure that an international payment ends up at the right bank. You will need it mainly for payments that cross a border and payments in foreign currencies.

On this page you will find how the code means, when it matters and which other details a transfer to or from Fujian Jinjiang Rural Commercial Bank Co., LTD requires. A SWIFT code identifies a bank or branch, never a specific account; the IBAN or account number does that.

How long does an international transfer to Fujian Jinjiang Rural Commercial Bank Co., LTD take?

How quickly a payment arrives at Fujian Jinjiang Rural Commercial Bank Co., LTD is determined by a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in the sending or receiving country can add a day or more. Compliance checks by one of the banks may also add some delay.

When a payment takes longer than expected, ask the sending bank about the tracking status or the UETR so they can trace it along the chain. Specialist transfer services usually provide tracking online showing how far the money is.

A delayed transfer has to be investigated from the sending side. On the receiving end, it helps to check your account for a slightly lower amount.

Chinese Yuan (CNY) and conversion costs

Accounts at Fujian Jinjiang Rural Commercial Bank Co., LTD are usually held in CNY, the national currency. A payment in a foreign currency will be exchanged into CNY on its way to Fujian Jinjiang Rural Commercial Bank Co., LTD. There is rarely a separate charge for that conversion; it is built into the rate.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Often you pay less to send CNY straight away via a transfer service that converts near the mid-market rate.

Rates for CNY change all the time. If you pay regularly, a slightly better rate make a real difference over a year.

Why Fujian Jinjiang Rural Commercial Bank Co., LTD has an 8- and an 11-character code

A BIC is built from a few fixed parts: the first four letters identify the bank, the next two give the country and the two after that indicate the location. The result is FJROCNB1, the short form of the code.

XXX at the end of FJROCNB1XXX is not a missing value or a mistake: it indicates the main office of Fujian Jinjiang Rural Commercial Bank Co., LTD. Some forms ask for 11 characters, in which case you can add XXX after FJROCNB1.

Enter the code in one piece, in upper case and without separators, exactly as shown here. A wrong character may route the money to a different institution, so copy it carefully.

International transfers from Fujian Jinjiang Rural Commercial Bank Co., LTD: the real cost

When you send money to another country through Fujian Jinjiang Rural Commercial Bank Co., LTD, the visible fee is only part of what you pay. Besides the transfer fee, banks in between can deduct a fee, and if currencies are converted the bank often applies a rate that is less favourable than the actual market rate.

That exchange rate margin tends to be the largest cost because it is hidden in the rate. Check the rate you are offered against the mid-market rate.

Specialised transfer providers frequently use rates closer to the mid-market rate. On GoldexPay you can compare what recipients receive across providers, which makes the cheapest option easy to spot. Choosing a specialist does not mean closing your account at Fujian Jinjiang Rural Commercial Bank Co., LTD.

Scams that use SWIFT codes

One of the most common tricks goes like this: you receive a request claiming that a supplier now has new bank details. The fact that FJROCNB1 exists is no guarantee that the account is legitimate.

Do not trust a phone number from the same email that contains the new account. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Contact the bank you paid from straight away and have them try to recall the payment; also report it to the police.

Recipients are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. Do not act before the money has really arrived and check with Fujian Jinjiang Rural Commercial Bank Co., LTD if anything seems off.

Incoming international payments to Fujian Jinjiang Rural Commercial Bank Co., LTD

A sender in another country needs a few details from you – incomplete details often cause delays. What they need is: your name, IBAN or account number, FJROCNB1XXX or FJROCNB1 and, for some countries, your home address.

It helps to add Fujian Jinjiang Rural Commercial Bank Co., LTD and its city as well, since some forms ask for it. Check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive is often lower than what was sent. Fees for incoming transfers differ from bank to bank; check the price list of Fujian Jinjiang Rural Commercial Bank Co., LTD. Make clear with the sender who covers the fees, especially for larger amounts.

How up to date is this code?

This directory draws on public sources and is updated regularly. It can happen that a code on this page is no longer current after a merger or reorganisation. Figures such as the number of codes come from our directory and are not confirmed by Fujian Jinjiang Rural Commercial Bank Co., LTD.

Treat this page as a starting point, not as the final word: the recipient’s bank details come first. We are an independent comparison service for money transfers and not affiliated with Fujian Jinjiang Rural Commercial Bank Co., LTD. Spotted outdated information? Let us know via our contact form so we can correct it.

Verifying the SWIFT code of Fujian Jinjiang Rural Commercial Bank Co., LTD

The best place to find the correct BIC remains paperwork issued by the bank. Check it with FJROCNB1 on this page.

Errors in the SWIFT code tend to be annoying rather than disastrous. Do not forget the account number: an error there can be more difficult to undo than a wrong code.

Most online banking apps validate the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a name check on the recipient adds an extra layer of safety. Sending a small amount first is a sensible step for large sums despite the extra fee.

Fujian Jinjiang Rural Commercial Bank Co., LTD: head office code versus branch codes

We have 2 SWIFT/BIC codes for Fujian Jinjiang Rural Commercial Bank Co., LTD in 1 cities. Besides the head office code FJROCNB1XXX, you will find codes for individual branches and departments.

For most incoming transfers, the head office code FJROCNB1XXX is what you need. Just use a branch code when your contact gives you that exact code.

Unsure which code applies? Check with the recipient or the bank itself. Codes can change when banks reorganise, so do not rely on old paperwork.