Morgan Stanley Bank International (China) Limited SWIFT/BIC code

Morgan Stanley Bank International (China) Limited SWIFT code: MSBKCN22

The short code MSBKCN22 and the full code MSBKCN22XXX identify one and the same institution: Morgan Stanley Bank International (China) Limited in Zhuhai, China. A BIC has a single purpose: it makes sure that an international payment ends up at the right bank. In daily life you usually see the code on invoices from abroad, in your banking app and on the account details of Morgan Stanley Bank International (China) Limited customers.

On this page you will find what the code means, when you need it and which other details you need for a transfer to or from Morgan Stanley Bank International (China) Limited. A SWIFT code names a bank or branch, never a specific account.

Incoming international payments to Morgan Stanley Bank International (China) Limited

A sender in another country needs several details from you, and missing ones are a common cause of delays. The basics are: your name, IBAN or account number, MSBKCN22XXX and, for some countries, your home address.

Their bank might request the bank address of Morgan Stanley Bank International (China) Limited; the head office in Zhuhai is usually fine. Check every detail before you send them, because the sender’s bank usually copies them as is.

Expect that the amount credited is below what the sender paid. Correspondent banks can take a fee, Morgan Stanley Bank International (China) Limited may charge for incoming payments, and if the money is converted, an exchange rate margin comes on top. On invoices, you can state who bears the costs to avoid a shortfall.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a message saying that a company now has a new bank account. That MSBKCN22 is a real code does not mean that a request mentioning it is legitimate.

Always confirm changed bank details by phone on a number you know, not one from the message. Pressure and secrecy tend to be warning signs – a real supplier can wait a day. When money was sent to the wrong account, call your bank right away.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to refund the difference abroad. A screenshot of a transfer proves nothing.

Paying someone abroad from your Morgan Stanley Bank International (China) Limited account

If you send money abroad via Morgan Stanley Bank International (China) Limited, the visible fee is rarely all of what you pay. On top of a fixed fee, banks in between may take a cut, and when the money changes currency the bank usually applies a rate below the actual market rate.

Many banks do not show their exchange rate markup as a cost, but you pay it all the same. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For many currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares transfer providers next to each other, showing what actually arrives. Choosing a specialist does not mean closing your account at Morgan Stanley Bank International (China) Limited: you simply pay the service from your account.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. Even so, banks merge, rename themselves or retire codes. Figures such as the number of codes come from our directory and may differ from what Morgan Stanley Bank International (China) Limited publishes.

Treat this page as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay is a comparison site and not part of Morgan Stanley Bank International (China) Limited. Found an error? Let us know through the contact page and we will look into it.

Tracking a transfer to or from Morgan Stanley Bank International (China) Limited

There is no single delivery time for every transfer: some land within a day. Transfers sent late in the day or on a weekend or public holiday often start a business day later. Compliance checks by one of the banks may also add a delay, regardless of the details.

If the money is late, ask your bank about the status or the UETR. Money transfer services usually provide a status in their app so you can see where the money has got.

The bank that sent the money can start an official trace or a recall. On the receiving end, you can check your account for a partial amount, since fees may have been deducted.

Why Morgan Stanley Bank International (China) Limited has an 8- and an 11-character code

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and two characters for the location. Combined, those parts make up MSBKCN22 – the version you usually see online.

Many payment forms work with both lengths. If yours requires eleven characters, use MSBKCN22XXX.

Type the code in one piece, in capitals and without spaces. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Verifying the SWIFT code of Morgan Stanley Bank International (China) Limited

Have the recipient copy the bank details directly from their banking app. If the code you have does not match MSBKCN22 or MSBKCN22XXX, do not guess.

Errors in the SWIFT code are annoying more than disastrous. Do not forget the account number: an error there can be harder to undo than a wrong code.

Many banking apps check the format of an IBAN, but that does not prove the account belongs to the right person. Where available, a payee name check on the recipient gives extra certainty. A small test payment is a sensible step for a large first payment.

Which of the 3 codes of Morgan Stanley Bank International (China) Limited do you need?

Our database contains 3 SWIFT/BIC codes for Morgan Stanley Bank International (China) Limited, spread over 2 locations. Besides the head office code MSBKCN22XXX, you will find codes for regional offices and specialised units.

Unless the recipient tells you otherwise, use MSBKCN22XXX or its short form MSBKCN22. A branch code only makes sense if the recipient’s bank explicitly asks for it.

When in doubt, ask the person you are paying which code their bank gave them. Branch codes are more likely to be retired than MSBKCN22XXX.

The Chinese Yuan and what conversion costs you

The currency in China is the Chinese Yuan (CNY). When you pay another currency, the amount gets converted somewhere along the way. Every conversion eats into the amount – usually through the rate rather than a fee.

Where the conversion happens has an effect on how much arrives. Sending the money already in CNY often avoids an extra conversion by Morgan Stanley Bank International (China) Limited.

The CNY rate fluctuates throughout the day. For regular payments, small differences in the rate add up over time.