Mizuho Bank (China),ltd. SWIFT/BIC code

MHCBCNSH – the SWIFT/BIC code of Mizuho Bank (China),ltd.

Whether you are given MHCBCNSH or MHCBCNSHXXX, it is the identical address for Mizuho Bank (China),ltd. in China. A SWIFT code shows the banks handling a payment which institution should receive the money, much like a postcode for banks. In practice you mostly see the code on international invoices, in payment forms and in the bank details of Mizuho Bank (China),ltd. customers.

On this page we explain how the code is put together, when you need it and which other details you need for a transfer to or from Mizuho Bank (China),ltd.. The SWIFT code alone cannot identify a personal account; that is what the IBAN or account number .

8 or 11 characters: MHCBCNSH versus MHCBCNSHXXX

A BIC is built from a few fixed parts: characters one to four stand for the bank, the next two give the country and characters seven and eight mark the location. In this case, the 8-character core is MHCBCNSH.

XXX at the end of MHCBCNSHXXX does not stand for a missing value or an error: it stands for the head office of Mizuho Bank (China),ltd.. Certain payment forms insist on 11 characters, in which case you can add XXX behind MHCBCNSH.

As a rule the code is typed in capitals, without spaces or dashes. Watch for the letter O and the digit 0 or I versus 1; they are easy to mix up.

What a transfer from Mizuho Bank (China),ltd. abroad really costs

A bank transfer abroad can cost more than the listed fee. You pay the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate.

Many banks do not show their exchange rate markup as a cost – you only notice it if you compare. 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.

For a lot of currency pairs, a specialist provider is less expensive than a bank – mostly thanks to the rate. GoldexPay lists transfer providers next to each other so you can see the amount the recipient gets for the same amount sent. You can still keep your account at Mizuho Bank (China),ltd. as the source of the money; only the conversion and sending happen elsewhere.

A note on our data

The codes here are taken from publicly available data which we refresh regularly. It can happen that a code on this page is out of date. The figures on this page reflect our own data, not official figures from Mizuho Bank (China),ltd..

Treat the information on this page as a helpful check, and let the details from the recipient or Mizuho Bank (China),ltd. have the final say. GoldexPay is an independent comparison service and not affiliated with Mizuho Bank (China),ltd.. Should you notice something that is out of date, we welcome a short note.

The Chinese Yuan and what conversion costs you

Most accounts at Mizuho Bank (China),ltd. are typically held in CNY, the national currency of China. Money sent in a different currency will be exchanged into CNY, and whoever converts it chooses the rate. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion affects the final amount. Sending the money directly in CNY often prevents an extra conversion at the receiving end – as long as your own rate is good.

The CNY rate changes throughout the day and quotes are often valid only for a short time. For regular payments, small differences in the rate make a real difference over time.

Which of the 10 codes of Mizuho Bank (China),ltd. do you need?

Mizuho Bank (China),ltd. uses 10 separate SWIFT/BIC codes across 10 locations. One of them is the head office code, MHCBCNSHXXX; the rest identify branches or departments.

For most payments to a private or business account, the head office code MHCBCNSHXXX works fine. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

The best way is to copy the code directly from the account holder’s invoice. Codes for branches are more likely to change than MHCBCNSHXXX when a bank merges or closes offices.

Before you send: check the Mizuho Bank (China),ltd. code

The most reliable source for the BIC is the recipient’s own bank details. If the code you have does not match MHCBCNSH or MHCBCNSHXXX, do not guess.

Errors in the BIC tend to be costly rather than fatal. Do not forget the account number: an error there can be harder to undo than a wrong code.

Most online banking apps validate the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Where available, a name check before sending adds extra certainty. A small test payment can be a sensible step for a large first payment despite the extra fee.

Incoming international payments to Mizuho Bank (China),ltd.

If you are waiting for a payment from another country, send the payer a complete set of details. The basics are: your name, IBAN or account number, MHCBCNSHXXX and often your home address.

You can include the bank name and Shanghai as well, because some payment forms have separate fields for them. Check each detail before you send them, because the sender’s bank usually copies them as is.

What lands in your account is often lower than the amount sent. Correspondent banks can take a fee, Mizuho Bank (China),ltd. may charge for incoming payments, and if the currency changes, an exchange rate margin applies. For business payments, you can agree who bears the costs to avoid a shortfall.

Watch out for payment fraud

One of the most common tricks works like this: you receive a request saying that a company has a new bank account. The fact that MHCBCNSH exists is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, confirm changed bank details through a phone call. Pressure and secrecy tend to be warning signs; a genuine business can wait for you to check. Already paid? Call the bank you paid from straight away and have them try to recall the payment and report the fraud.

Scams can also work the other way: someone sends too much and wants you to return the difference to a new account. Do not act before the money is actually in your account.

How long does an international transfer to Mizuho Bank (China),ltd. take?

There is no fixed answer for every transfer: some land the same day or the next, others take several business days. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Extra checks by one of the banks may also cause a delay, regardless of the details.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the money has arrived – you will need it for any trace request.

If a payment has not arrived after a few business days, the sender needs to contact the bank that sent it, not the receiving bank. On the receiving end, it helps to look at your statements to see a slightly lower amount because fees can reduce the amount.