Qishang Bank SWIFT/BIC code

ZBBKCNBZ – the SWIFT/BIC code of Qishang Bank

The 8-character code ZBBKCNBZ and the full code ZBBKCNBZXXX refer to the same bank: Qishang Bank, with its head office in Zibo. Every bank on the SWIFT network uses these codes to direct international transfers to the right institution. In practice you usually come across the code on invoices from abroad, in your banking app and in the bank details that Qishang Bank provides.

This page is meant to help anyone who pays into an account at Qishang Bank without mistakes. A SWIFT code names an institution, not a specific account; the IBAN or account number does that.

How up to date is this code?

The details on this page are taken from publicly available data that we update regularly. Institutions reorganise, change names and change codes, and a directory never catches every change immediately. The number of codes we show are based on what is in our directory and not on information from Qishang Bank itself.

Before a payment of any size, check the code with Qishang Bank or the recipient. We are a comparison service for money transfers and not affiliated with Qishang Bank. If you notice a mistake, we welcome a message.

Scams that use SWIFT codes

A common scam goes like this: an email arrives with a request saying that a contact has new bank details and that the next payment should go there. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Always confirm changed bank details by phone, using a number you already had. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Already paid? Contact the bank you paid from straight away and have them try to recall the payment.

Fraud also work the other way: someone claims to have sent more than agreed and wants you to refund the extra. Wait until the money is actually in your account and check with Qishang Bank if anything seems off.

Sending money abroad from Qishang Bank

The price of an international transfer has more than one component. On top of a fixed fee, correspondent or intermediary banks may deduct a fee, and if the money changes currency the bank usually applies a rate that is less favourable than the real market rate.

The markup on the rate is often the biggest cost, and it is easy to miss. A simple test: put the bank’s rate next to the mid-market rate and look at the difference.

Specialist money transfer services often use rates closer to the mid-market rate and lower fees. GoldexPay compares the amount that arrives across services. You can always keep your account at Qishang Bank to fund the transfer, while a cheaper service handles the conversion.

Transfer times and tracking a payment to Qishang Bank

How quickly a payment arrives at Qishang Bank is determined by a few things: the currency, how many intermediary banks are involved, cut-off times and time zones. Weekends and public holidays in the sending or receiving country add extra days. Extra checks by one of the banks can also cause a delay, regardless of the details.

When a payment takes longer than expected, contact your bank about the tracking status. Specialist transfer services often show a status online so you can see how far the payment is.

A delayed transfer has to be traced by the sending bank on the basis of the transfer details. As a recipient, you can look at your statements to see a partial amount, since fees may have been deducted.

Paying into Qishang Bank in CNY

Accounts at Qishang Bank are typically held in CNY, the local currency of China. When you pay money in a different currency it has to be converted at some point: by your bank, an intermediary or Qishang Bank itself. Each conversion eats into something – usually through the rate rather than a fee.

Who converts the money matters: every bank has its own margin. Compare what CNY the recipient gets via different providers before choosing one.

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

What the XXX in ZBBKCNBZXXX means

A SWIFT code is built from fixed blocks: the first four letters identify the bank, the next two show the country and characters seven and eight indicate the location. In this case, the 8-character core is ZBBKCNBZ.

Many payment forms accept both lengths. If yours asks for eleven characters, enter ZBBKCNBZXXX, otherwise ZBBKCNBZ is fine.

In practice the code is written in capitals and without spaces. A wrong letter can send the money to a different institution, so copy it carefully.

Is ZBBKCNBZ still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details. Compare that code with ZBBKCNBZ on this page; if they differ, ask before you pay.

An incorrect BIC may lead to a delay, a returned payment or additional charges along the way. Remember the IBAN: a mistake there can be more difficult to correct than a wrong BIC.

A validity check in your banking app merely confirms that the code exists. Some banks now compare the payee name with the account before you confirm – do not ignore a mismatch warning. When you pay someone new, some people send a small test amount and wait for confirmation.

Which of the 3 codes of Qishang Bank do you need?

We have 3 SWIFT/BIC codes for Qishang Bank in 3 places. Next to the head office code ZBBKCNBZXXX, you will find codes for regional offices and specialised units.

Usually you do not need to pick a branch: transfers addressed to ZBBKCNBZXXX reach Qishang Bank without problems. When you receive a branch code, use it as it is instead of swapping it for the head office code.

Unsure which code applies? Check with the recipient. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

Incoming international payments to Qishang Bank

To receive an international payment at Qishang Bank, the person paying you needs not just the BIC. That means: your name exactly as it appears on the account, your IBAN or account number, the BIC ZBBKCNBZXXX (or ZBBKCNBZ) and, often, your postal address.

Some sending banks also ask for the bank’s address in Zibo, so keep it at hand. Double-check the details before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment does not always land for the full amount. Correspondent banks can take a fee, Qishang Bank may charge for incoming payments, and when currencies differ, an exchange rate margin applies. For business payments, you can agree how the fees are split to avoid a shortfall.