Harbin Bank Co.,ltd SWIFT/BIC code

HCCBCNBH – the SWIFT/BIC code of Harbin Bank Co.,ltd

If an invoice shows HCCBCNBH or HCCBCNBHXXX, it is the same identifier for Harbin Bank Co.,ltd in China. The code has a single purpose: it ensures that a cross-border transfer reaches the right bank. It comes up mainly for transfers between countries.

On this page we explain what the code means, when it matters and what else you need for a transfer to or from Harbin Bank Co.,ltd. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN takes care of that.

Harbin Bank Co.,ltd: head office code versus branch codes

Having 25 codes, Harbin Bank Co.,ltd belongs to the banks that register individual codes for parts of the organisation. The main code remains HCCBCNBHXXX.

Usually there is no need to pick a branch: payments addressed to HCCBCNBHXXX are routed within Harbin Bank Co.,ltd without problems. Branch codes are only needed when the account holder explicitly asks for it, which is more common for business accounts and specialised services.

The best way is to copy the code straight from the account holder’s bank details. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

Verifying the SWIFT code of Harbin Bank Co.,ltd

The most reliable place for the right code remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given does not match HCCBCNBH or HCCBCNBHXXX, do not guess: check with the recipient or with Harbin Bank Co.,ltd directly.

With a wrong code, the transfer might be delayed, bounce back or end up costing more – sometimes after weeks of searching. A mistake in the account number can be a bigger problem.

A format check in your banking app merely confirms that the IBAN exists. Where available, a payee name check on the recipient adds 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.

Paying into Harbin Bank Co.,ltd in CNY

China pays in the Chinese Yuan. If you send another currency has to be converted somewhere along the way – by your bank, by Harbin Bank Co.,ltd or by a bank in between. Each conversion eats into the amount, even when no fee is shown.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. In many cases it is cheaper if you send CNY directly via a transfer service with a good rate.

Rates for CNY change all the time, and some providers let you lock in a rate. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.

Sending money abroad from Harbin Bank Co.,ltd

An international bank payment can cost rather more than the listed fee. You pay the fee for the transfer itself, possibly charges from correspondent banks in between and, most importantly, the exchange rate markup.

Banks rarely show the margin on the rate as a cost. A simple test: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services often use a rate near the mid-market rate with clearer fees. Before your next transfer, take a minute to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not require leaving Harbin Bank Co.,ltd.

What the XXX in HCCBCNBHXXX means

A BIC is built from a few fixed parts: the first four letters identify the bank, characters five and six give the country and the two after that mark the location. Combined, those parts form HCCBCNBH.

The full version has three more characters for a branch or department. If the last three are XXX, the code points to the head office, which is why HCCBCNBHXXX and HCCBCNBH lead to the same place.

As a rule the code is written in capitals. Watch for the letter O and the digit 0 and I versus 1, a common source of typos.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on public sources and is updated regularly. It is possible that a code here is out of date. Figures such as the number of codes are from our directory.

See our directory on this page as a handy check and rely on the recipient or Harbin Bank Co.,ltd for the final confirmation. We are an independent comparison site for money transfers and not part of Harbin Bank Co.,ltd. If you notice a mistake, we appreciate a short note via the contact page.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a request claiming that a company now has new bank details and that the next payment should go there. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Do not trust a phone number in the same message that announces the new account. Urgency or requests to keep it quiet are warning signs; a genuine business can wait for you to check. When a payment was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference. Do not act before the money has really arrived – ask Harbin Bank Co.,ltd if something looks wrong.

Transfer times and tracking a payment to Harbin Bank Co.,ltd

How quickly a payment reaches Harbin Bank Co.,ltd depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in either country add a day or more to the journey. Extra checks on larger or unusual payments can also cause some delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique reference, the UETR that banks can use to trace it. Money transfer services usually provide tracking online so you can see how far the money has got.

If a payment has not arrived after a few business days, the sender should start with the bank that sent it rather than Harbin Bank Co.,ltd. Request from the sender the payment receipt including the reference; that often settles the question quickly.

Receiving money from abroad at Harbin Bank Co.,ltd

For a transfer from abroad at Harbin Bank Co.,ltd, the person paying you has to have more than the BIC. The basics are: the account holder’s name, IBAN or account number, HCCBCNBHXXX and often your home address.

Their bank may also ask for the address of your bank. A typo in the IBAN is more trouble than you might think; copy them from your banking app rather than typing.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. For business payments, you can state who bears the costs to avoid a shortfall.