Jpmorgan Chase Bank (China) Company Limited, Harbin Branch SWIFT/BIC code

SWIFT/BIC code of Jpmorgan Chase Bank (China) Company Limited, Harbin Branch

Whether you are given CHASCNBH or CHASCNBHXXX, it is the same address for Jpmorgan Chase Bank (China) Company Limited, Harbin Branch in China. A BIC does one job: it makes sure that a cross-border transfer ends up at the right bank. It comes up mainly for transfers between countries or a currency.

We wrote this page to help people who pays into an account at Jpmorgan Chase Bank (China) Company Limited, Harbin Branch and wants to get the details right. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number .

Where our SWIFT data comes from

We gather SWIFT/BIC codes using publicly available data and check them from time to time. It can happen that information on this page is no longer current. The figures on this page reflect what is in our directory and not on information from Jpmorgan Chase Bank (China) Company Limited, Harbin Branch itself.

Treat our directory here as a handy check, and let the details from the recipient or Jpmorgan Chase Bank (China) Company Limited, Harbin Branch have the final say. GoldexPay is independent of Jpmorgan Chase Bank (China) Company Limited, Harbin Branch; we are a comparison site for money transfers. Found outdated information? Let us know via our contact form and we will look into it.

Before you send: check the Jpmorgan Chase Bank (China) Company Limited, Harbin Branch code

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Compare it with CHASCNBH here and ask if anything does not match.

A wrong SWIFT code can cause delays, a returned payment or additional charges along the way. An error in the account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

Most online banking apps check the structure of IBANs and some suggest the matching BIC. Some banks now compare the name against the account before you confirm; take any warning seriously. Sending a small amount first is a sensible step for a large first payment despite the extra fee.

What to give a sender who pays you at Jpmorgan Chase Bank (China) Company Limited, Harbin Branch

To receive an international payment at Jpmorgan Chase Bank (China) Company Limited, Harbin Branch, the person paying you needs not just the SWIFT code. Give them the account holder’s name, the IBAN or account number, SWIFT code CHASCNBHXXX and your address, which some banks require.

The sender’s bank might also ask for the bank address of Jpmorgan Chase Bank (China) Company Limited, Harbin Branch, in which case the Harbin head office is the usual answer. A typo in your account number is harder to fix than it looks.

What lands in your account can be lower than what was sent. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. Make clear with the sender who pays which costs before the money is sent.

Why Jpmorgan Chase Bank (China) Company Limited, Harbin Branch has an 8- and an 11-character code

A BIC is made up of a few fixed parts: characters one to four identify the bank, the next two give the country and the two after that indicate the location. Combined, those parts make up CHASCNBH, the code most people search for.

Many payment forms work with either length. If a form asks for eleven characters, enter CHASCNBHXXX.

As a rule the code is typed in capitals, without spaces or dashes. Pasting the code beats retyping it: a typo can point to another bank.

The Chinese Yuan and what conversion costs you

China uses the Chinese Yuan, code CNY. If you send money in a different currency has to be converted at some point – by your bank, by Jpmorgan Chase Bank (China) Company Limited, Harbin Branch or by a bank in between. Every conversion eats into the amount, even when no fee is shown.

Who converts the payment matters. Often you pay less if you send CNY directly via a transfer service with a good rate.

The rate for CNY fluctuates constantly and quotes are often valid only for a short time. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.

Watch out for payment fraud

Stay wary when someone suddenly wants you to pay into a different account. The fact that CHASCNBH exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Do not trust contact details from the same email that announces the change. Pressure and secrecy are red flags; a genuine business can wait for you to check. If money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Paying someone abroad from your Jpmorgan Chase Bank (China) Company Limited, Harbin Branch account

The price of a payment abroad has several parts – not just the fee on your screen. Besides a fixed fee, correspondent or intermediary banks may take a cut, and when the money changes currency the bank usually uses a rate below the real market rate.

The real cost is often in the rate, rather than in the fee: the bank converts at a rate that includes a margin. A simple test: put the bank’s rate next to 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. GoldexPay compares the amount that arrives across services, so you can pick the cheapest route. You can still use your account at Jpmorgan Chase Bank (China) Company Limited, Harbin Branch, while a cheaper service handles the conversion.

Which of the 4 codes of Jpmorgan Chase Bank (China) Company Limited, Harbin Branch do you need?

Having 4 codes in 1 cities, Jpmorgan Chase Bank (China) Company Limited, Harbin Branch is one of the banks that register individual codes for parts of the organisation and departments. The head office code is CHASCNBHXXX.

For most payments to a private or business account, the head office code CHASCNBHXXX is the right choice. If you have been given a branch code, stick to it instead of replacing it with the head office code.

If you are not sure, check with the recipient which code their bank gave them. Branch codes are more prone to change than CHASCNBHXXX.

Transfer times and tracking a payment to Jpmorgan Chase Bank (China) Company Limited, Harbin Branch

There is no fixed answer for every transfer: some arrive the same day or the next. Transfers sent after the cut-off time or just before a weekend or public holiday usually start the next business day. Compliance checks on larger or unusual payments may also cause a delay.

When a payment takes longer than expected, contact the sending bank for the tracking status and the transaction reference. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

If the money does not arrive within the expected time, the sender should start with the bank that sent it, not the receiving bank. Ask the sender for the payment receipt including the reference – it helps your own bank look for the money.