Societe Generale (China) Limited SWIFT/BIC code

SGCLCNBJ – the SWIFT/BIC code of Societe Generale (China) Limited

Whether a recipient gives you SGCLCNBJ or SGCLCNBJXXX, you are looking at the same address for Societe Generale (China) Limited in China. Banks worldwide use BIC codes to direct payments between countries to the correct bank. In daily life you usually come across the code on international invoices, in payment forms and on the account details of Societe Generale (China) Limited customers.

This page is meant to help people who sends money to an account at Societe Generale (China) Limited without mistakes. The BIC names a bank or branch, not a specific account; the IBAN or account number does that.

Paying into Societe Generale (China) Limited in CNY

China uses the Chinese Yuan (CNY). When you pay another currency gets converted somewhere along the way. Each conversion eats into the amount.

Who converts the payment makes a difference, because each party uses its own rate. In many cases you pay less if you send CNY directly through a transfer service with a good rate rather than letting the receiving bank convert.

Exchange rates move during the day, and some providers let you lock in a rate. If you pay regularly, a slightly better rate add up over time.

Societe Generale (China) Limited: head office code versus branch codes

Societe Generale (China) Limited has 4 different SWIFT/BIC codes. One of them is the head office code, SGCLCNBJXXX; the rest identify branches or departments, and sometimes internal departments.

In most cases you do not need to look up a branch: transfers addressed to SGCLCNBJXXX reach Societe Generale (China) Limited correctly. A branch code only makes sense if the account holder explicitly mentions it, which is more common for corporate accounts and specialised services.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes for branches are more prone to change than the head office code.

International transfers from Societe Generale (China) Limited: the real cost

An international bank payment costs more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted the bank usually applies a rate below the real market rate.

Banks do not list their exchange rate markup separately. Compare their rate with the mid-market rate – the rate you find on financial news sites.

Specialist money transfer services often use a rate near the mid-market rate. Next time you send money, take a minute comparing the total cost via GoldexPay. Using a transfer service does not require leaving Societe Generale (China) Limited – you pay the provider from your own account.

How long does an international transfer to Societe Generale (China) Limited take?

A SWIFT payment typically takes anywhere from one to several business days. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Compliance checks by one of the banks can also add some delay, even when all details are correct.

Many banks use SWIFT gpi. Each payment carries a unique reference, the UETR that banks can use to trace it. Specialist transfer services usually show a status in their app showing where the payment is.

If a payment has not arrived after a few business days, the sender needs to contact their own bank. Request from the sender a copy of the payment confirmation – it helps your own bank look for the money.

Receiving money from abroad at Societe Generale (China) Limited

For a transfer from abroad at Societe Generale (China) Limited, the person paying you has to have more than the BIC. Give them the account holder’s name, your account number or IBAN, the BIC SGCLCNBJXXX and your address, which some banks require.

It helps to include Societe Generale (China) Limited and Beijing as well, since some forms ask for it. A typo in the IBAN is harder to fix than it looks, so copy the details from your online banking.

Money from abroad does not always arrive in full. Correspondent banks can take a fee, and if the currency changes, a markup on the rate comes on top. On invoices, you can state who bears the costs.

How to check SGCLCNBJ before you pay

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check it with SGCLCNBJ here and ask if anything does not match.

A wrong SWIFT code can cause delays, a returned payment or extra fees. An error in the IBAN or account number can be a bigger problem; check it just as carefully.

An automatic check in your banking app only tells you that the IBAN is valid. More and more banks compare the payee name with the account. For a first payment, many people start with a small amount first before sending the rest.

Changed bank details? Be careful

Stay wary if someone unexpectedly wants you to send money to another account abroad. That SGCLCNBJ is a real code is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Always confirm changed bank details by phone. Pressure and secrecy are warning signs; a genuine business can wait for you to check. Already paid? Contact your bank straight away and have them start a recall and report the fraud.

Fraud can also target the receiver: someone sends too much and asks you to return the difference via a different route. A screenshot of a transfer is no proof – check your own account.

Where our SWIFT data comes from

This directory draws on public sources and we update it periodically. It is possible that a code here is no longer current, for example after a merger. Counts and locations come from our directory.

Use this page as a reference, not as the final word. GoldexPay has no connection to Societe Generale (China) Limited, we only compare transfer services. Should you notice a mistake, we welcome a short note.

8 or 11 characters: SGCLCNBJ versus SGCLCNBJXXX

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. That gives you SGCLCNBJ for Societe Generale (China) Limited.

The long version has three more characters for a branch or department. When those three characters are XXX, the code points to the head office.

Do not add spaces, dots when you enter SGCLCNBJ or SGCLCNBJXXX. Pasting the code is safer than retyping it, because one wrong letter changes the bank.