Kookmin Bank (China) Limited SWIFT/BIC code

What CZNBCNBJ means for a payment to Kookmin Bank (China) Limited

CZNBCNBJ and CZNBCNBJXXX are two ways of writing the same bank identifier, and both point to Kookmin Bank (China) Limited in Beijing. The code does one job: it ensures that an international payment ends up at the right bank. It comes up mainly for payments that cross a border and payments in foreign currencies.

On this page you can read how the code means, when you need it and which other details you need for a transfer to or from Kookmin Bank (China) Limited. A SWIFT code names an institution, not a specific account, which is why you always need the account number too.

Which of the 6 codes of Kookmin Bank (China) Limited do you need?

Our directory lists 6 SWIFT/BIC codes for Kookmin Bank (China) Limited. Besides the head office code CZNBCNBJXXX, you will find codes for individual branches and departments.

Usually you do not need to look up a branch: payments addressed to CZNBCNBJXXX are routed within Kookmin Bank (China) Limited correctly. Just use a branch code when the account holder gives you that exact code.

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

Watch out for payment fraud

A common scam works like this: you receive a request claiming that a contact has new bank details and that the next payment should go there. The fact that CZNBCNBJ exists is no guarantee that a request mentioning it is genuine.

Check new bank details through a different channel, such as a phone number you already know. Watch out for time pressure, unusual wording or a sender address that is slightly off. When money was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also target the receiver. Someone sends more than agreed and wants you to return the difference to a new account. A payment confirmation from the sender is no proof – check your own account.

Why Kookmin Bank (China) Limited has an 8- and an 11-character code

A BIC is made up of a few fixed parts: the first four letters identify the bank, characters five and six give the country and characters seven and eight mark the location. The result is CZNBCNBJ, the short form of the code.

XXX at the end of CZNBCNBJXXX does not stand for a placeholder or an error: it indicates the head office of Kookmin Bank (China) Limited. Some banking apps ask for 11 characters, and then you simply enter XXX after CZNBCNBJ.

In practice the code is typed in capitals, without spaces or dashes. Copying the code beats typing it by hand: a typo can point to another bank.

Paying someone abroad from your Kookmin Bank (China) Limited account

If you transfer money to another country through Kookmin Bank (China) Limited, the visible fee is rarely all of the cost. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and if the money changes currency, the bank often applies a rate below the actual market rate.

Many banks do not show the margin on the rate as a cost. Compare the rate you are offered against the mid-market rate; the gap is what conversion costs you.

Specialist money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay compares what recipients receive with different services. Choosing a specialist does not require leaving Kookmin Bank (China) Limited – you pay the provider from your own account.

Chinese Yuan (CNY) and conversion costs

Accounts at Kookmin Bank (China) Limited are typically held in CNY, the national currency. Money sent in a different currency is converted into CNY before it reaches the account. Every conversion eats into the amount.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Compare how much CNY arrives via different services before choosing one.

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

Getting paid from abroad into a Kookmin Bank (China) Limited account

When you are waiting for a payment from another country, give the sender all details at once. Share your name as the bank knows it, your account number or IBAN, SWIFT code CZNBCNBJXXX and your address.

It helps to add Kookmin Bank (China) Limited and its city as well, because some payment forms have separate fields for them. A typo in the IBAN can be more trouble than you might think.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. Agree with the sender who covers the fees, especially for larger amounts.

Transfer times and tracking a payment to Kookmin Bank (China) Limited

There is no fixed delivery time for international payments: many arrive the same day or the next while others need several business days. Transfers sent late in the day or just before weekends and holidays often start the next business day. Occasionally a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, contact the sending bank about the status or the UETR so they can trace it along the chain. Specialist transfer services usually show tracking online showing where the payment is.

If the money does not arrive within the expected time, the sender should contact their own bank. On the receiving end, it helps to look at your statements for a slightly lower amount, since fees may have been deducted.

About this information

We collect bank codes using publicly available data and check our list regularly. It can happen that a code here is out of date, for example after a merger. Counts and locations are from our directory and are not confirmed by Kookmin Bank (China) Limited.

For a payment that matters, check the BIC with the recipient’s bank or with the recipient. GoldexPay has no connection to Kookmin Bank (China) Limited, we only compare transfer services. Found outdated information? Tell us via our contact form and we will look into it.

How to check CZNBCNBJ before you pay

The most reliable place for the right code remains a document from the bank itself. Check it against CZNBCNBJ here and ask if anything does not match.

With a wrong code, the transfer may be delayed, bounce back or end up costing more. An error in the account number is a bigger problem.

Many banking apps check the structure of IBANs – that confirms the format, not the owner. If your bank offers it, a payee name check on the recipient gives extra certainty. A small test payment is worth it for large sums despite the extra fee.