Shanghai Pudong Development Bank SWIFT/BIC code

What SPDBCNSH means for a payment to Shanghai Pudong Development Bank

SPDBCNSH and SPDBCNSHXXX are two spellings of the same SWIFT/BIC code, and both point to Shanghai Pudong Development Bank in Shanghai. A SWIFT code tells every bank in the chain exactly which bank should receive the money. In daily life you mostly see the code on invoices from abroad, in payment forms and on the account details that Shanghai Pudong Development Bank provides.

This page is meant to help anyone who pays into an account at Shanghai Pudong Development Bank. A SWIFT code identifies a bank or branch, never a specific account, which is why you always need the account number too.

Protect yourself against fake payment requests

Criminals regularly use payment requests with changed bank details sent from what looks like a familiar address. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Verify new bank details through a different channel like a call to a number from an earlier contract. Watch out for urgent requests, odd spelling or an email address that differs by one letter. When money was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference abroad. Wait until the money has really arrived.

Which of the 41 codes of Shanghai Pudong Development Bank do you need?

Our database contains 41 SWIFT/BIC codes for Shanghai Pudong Development Bank, spread over 39 locations. Next to the head office code SPDBCNSHXXX, there are codes for branches, departments or specific services.

Usually you do not need to pick a branch: payments sent to SPDBCNSHXXX reach Shanghai Pudong Development Bank correctly. If you have been given a branch code, stick to it rather than swapping it for the head office code.

Unsure which code to use? Ask the recipient or the bank itself. Codes for branches are more likely to be retired than SPDBCNSHXXX when a bank merges or closes offices.

Tracking a transfer to or from Shanghai Pudong Development Bank

There is no single delivery time for every transfer: many arrive within a day, others take several business days. Weekends and public holidays in either country add extra days, since banks do not process on those days. Compliance checks by one of the banks can also cause some delay, even when all details are correct.

If the money seems delayed, contact your bank for the status or the UETR. Money transfer services usually show tracking in their app so you can see how far the money has got.

The bank that sent the money is able to start an official trace – the recipient’s bank often cannot see a payment that has not arrived. Request from the sender the payment receipt including the reference – it helps your own bank look for the money.

The Chinese Yuan and what conversion costs you

The local currency in China is the Chinese Yuan (CNY). Money sent in a different currency is exchanged into CNY – and the bank that does it picks the rate. Every conversion costs the amount – usually through the rate rather than a fee.

Where the conversion happens affects the final amount, since every bank sets its own rate. Check what CNY the recipient gets with different services.

Exchange rates move during the day – some services let you fix a rate in advance. For regular payments, small differences in the rate make a real difference over time.

Where our SWIFT data comes from

We gather bank codes from publicly available data and update them regularly. It is possible that a code here is out of date, for example after a merger. Figures such as the number of codes come from our own dataset.

Use this page as a reference, rather than as the final word: the recipient’s bank details come first. GoldexPay has no connection to Shanghai Pudong Development Bank, we only compare transfer services. Found an error? Let us know via our contact form and we will look into it.

SPDBCNSH or SPDBCNSHXXX – which one to use?

The structure of a BIC is always the same: a bank code of four letters, two for the country and two for the location, plus an optional branch code. In this case, that core is SPDBCNSH.

Many payment forms accept either length. If yours asks for eleven characters, use SPDBCNSHXXX.

Leave out spaces, dots when you enter SPDBCNSH; the code is always written in one block. Copying the code is safer than retyping it, because one wrong letter changes the bank.

How to check SPDBCNSH before you pay

Ask the recipient to copy the bank details directly from a recent statement. When the code you were given differs from SPDBCNSH or SPDBCNSHXXX, do not guess.

Errors in the SWIFT code tend to be annoying rather than fatal – usually the money comes back, minus fees and time lost. Remember the IBAN: a mistake there is harder to correct than a wrong code.

An automatic check in your banking app only confirms that the IBAN exists. Some banks now check the name against the account. Sending a small amount first can be worth it for large sums.

Sending money abroad from Shanghai Pudong Development Bank

If you transfer money abroad through Shanghai Pudong Development Bank, the visible fee is only part of what you pay. Besides the transfer fee, correspondent or intermediary banks can take a cut, and if currencies are converted, the bank usually uses a rate below the real market rate.

The real cost is often in the rate, rather than in the fee: many banks convert at a rate with a margin built in. An easy check: set the rate you get next to the mid-market rate and work out the difference on your amount.

Specialised transfer providers often offer rates closer to the mid-market rate with clearer fees. GoldexPay lists transfer providers side by side, showing what actually arrives. Using a transfer service does not require leaving Shanghai Pudong Development Bank.

Receiving money from abroad at Shanghai Pudong Development Bank

For a transfer from abroad into your account at Shanghai Pudong Development Bank, the person paying you has to have not just the BIC. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC SPDBCNSHXXX and sometimes your postal address.

Some banks want the address of Shanghai Pudong Development Bank in Shanghai; it does no harm to include it. Double-check the details before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive is often less than the amount sent. Fees for incoming transfers vary from bank to bank; check the price list of Shanghai Pudong Development Bank. For business payments, it is common to state who bears the costs, so that nobody is left short.