Hua Xia Bank SWIFT/BIC code

Hua Xia Bank SWIFT code: HXBKCNBJ

If an invoice shows HXBKCNBJ or HXBKCNBJXXX, it is the same address for Hua Xia Bank in China. A SWIFT code shows the sending bank exactly which bank is meant to get the money. In daily life you mostly come across it on international invoices, in payment forms and in the bank details of Hua Xia Bank customers.

Below you will find the practical side: money coming in from abroad, paying someone in another country and how to verify a SWIFT code before you confirm a payment. Remember that the BIC only identifies the bank, not the person: the IBAN or account number takes care of that.

Hua Xia Bank: head office code versus branch codes

We have 92 SWIFT/BIC codes for Hua Xia Bank, spread over 88 cities. Next to the head office code HXBKCNBJXXX, you will find codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code HXBKCNBJXXX works fine. Just use a branch code when your contact gives you that exact code, for example on a letter or invoice.

The best way is to copy the code straight from the account holder’s invoice. Codes for branches are more likely to change than the head office code.

How long does an international transfer to Hua Xia Bank take?

An international transfer typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Weekends and public holidays in either country add extra days, since banks do not process on those days. Extra checks on larger or unusual payments may also cause a delay.

When a payment takes longer than expected, ask the sending bank about the status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services usually show a status in their app so you can see how far the money is.

A delayed transfer has to be investigated by the sending bank on the basis of the transfer details. On the receiving end, you can check your account to see a slightly lower amount, since fees may have been deducted.

Chinese Yuan (CNY) and conversion costs

China uses the Chinese Yuan, code CNY. If you send money in a different currency it gets converted at some point. Each conversion costs the amount, even when no fee is shown.

Which bank converts the payment matters: every bank has its own margin. Compare what CNY arrives with several providers before choosing one.

Rates for CNY change during the day – some services let you fix a rate in advance. For recurring payments, a slightly better rate make a real difference over a year.

Watch out for payment fraud

Stay wary when someone unexpectedly wants you to pay into a different account or a bank in another country. A real SWIFT code says nothing about who owns the account – scammers simply use real codes.

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

Fraud can also target the receiver. Someone sends more than agreed and wants you to return the difference via a different route. A screenshot of a transfer is no proof – check your own account.

Paying someone abroad from your Hua Xia Bank account

If you transfer money to another country from Hua Xia Bank, the visible fee is only part of what you pay. You pay the transfer fee, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

The markup on the rate is often the biggest cost. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For a lot of routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares the amount that arrives across services. Using a transfer service does not mean closing your account at Hua Xia Bank.

About this information

This directory is based on public sources and is updated regularly. It is possible that information here is no longer current. Counts and locations come from our directory.

See our directory here as a helpful check and rely on the recipient or Hua Xia Bank for the final confirmation. We are an independent comparison site for money transfers and not affiliated with Hua Xia Bank. If you notice a mistake, we appreciate a message via the contact page.

Receiving money from abroad at Hua Xia Bank

A sender in another country needs several details about your account. What they need is: the account holder’s name, account number or IBAN, HXBKCNBJXXX or HXBKCNBJ and often your postal address.

Their bank may also ask for the bank address of Hua Xia Bank. Double-check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Money from abroad does not always arrive in full. Correspondent banks can take a fee, and when currencies differ, an exchange rate margin applies. On invoices, you can agree how the fees are split, so that nobody is left short.

8 or 11 characters: HXBKCNBJ versus HXBKCNBJXXX

A SWIFT code is built from a few fixed parts: characters one to four identify the bank, the next two show the country and the two after that mark the location. The result is HXBKCNBJ.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so HXBKCNBJXXX and HXBKCNBJ are interchangeable.

Enter the code in one piece, in upper case and without spaces, exactly as shown here. A single character can send the money to a different institution, so copy it carefully.

Is HXBKCNBJ still correct? How to check

The most reliable source for the BIC is the bank details provided by the recipient. If the code you have differs from HXBKCNBJ or HXBKCNBJXXX, do not guess – contact the recipient or Hua Xia Bank.

Mistakes in the SWIFT code are annoying more than disastrous. Do not forget the IBAN: a mistake there can be harder to correct than a wrong code.

A format check by your bank only confirms that the code is valid. If your bank offers it, a name check before sending gives extra certainty. When you pay someone new, many people start with a small amount first and wait for confirmation.