Xiamen International Bank Co., LTD. SWIFT/BIC code

Xiamen International Bank Co., LTD. SWIFT code: IBXHCNBA

IBXHCNBA and IBXHCNBAXXX are two spellings of the same bank identifier, and both lead to Xiamen International Bank Co., LTD. in Xiamen. A BIC has a single purpose: it makes sure that money from abroad reaches the right bank. It comes up mainly when dealing with transfers between countries.

Below you will find the practical questions: money coming in from abroad, sending money abroad and how to check a SWIFT code before you confirm a payment. The SWIFT code alone cannot identify an individual account holder; for that you need the account number or IBAN .

8 or 11 characters: IBXHCNBA versus IBXHCNBAXXX

A BIC is built from a few fixed parts: characters one to four identify the bank, characters five and six give the country and characters seven and eight indicate the location. The result is IBXHCNBA.

The full version has three more characters for a branch or department. If the last three are XXX, they simply mean the head office, which is why IBXHCNBAXXX and IBXHCNBA lead to the same place.

Leave out spaces or dashes when you type IBXHCNBA. Watch for O versus 0 and I versus 1, a common source of typos.

International transfers from Xiamen International Bank Co., LTD.: the real cost

If you send money abroad via Xiamen International Bank Co., LTD., the fee you see is only part of the cost. Besides the transfer fee, banks in between may take a cut, and if the money changes currency, the bank usually applies a rate below the real market rate.

That exchange rate margin tends to be the biggest cost even though it is not listed as a fee. A simple test: put the rate you get next to the mid-market rate and look at the difference.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. Before your next transfer, take a minute to compare the total cost on GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Xiamen International Bank Co., LTD.; only the conversion and sending happen elsewhere.

Getting paid from abroad into a Xiamen International Bank Co., LTD. account

For an international payment into your account at Xiamen International Bank Co., LTD., the sender needs not just the BIC. That means: your full name as registered with Xiamen International Bank Co., LTD., your IBAN or account number, the SWIFT/BIC code IBXHCNBAXXX and sometimes your postal address.

Certain banks want the address of Xiamen International Bank Co., LTD.. A mistake in your account number is harder to fix than you might think; copy them from your banking app rather than typing.

An incoming payment will not always arrive in full. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. For business payments, it is common to agree how the fees are split, so that nobody is left short.

Tracking a transfer to or from Xiamen International Bank Co., LTD.

There is no fixed answer for international payments: many arrive the same day or the next. Transfers sent late in the day or just before a weekend or public holiday often start a business day later. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

If a transfer is late, ask your bank for the tracking status or the UETR. Save your transfer receipt until the money has arrived.

Only the sending bank can request a trace or a recall. Request from the sender a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

How up to date is this code?

The codes here come from public sources which we refresh regularly. It can happen that a code on this page is out of date after a merger or reorganisation. Counts and locations come from our own dataset.

Use this page as a starting point, rather than as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Xiamen International Bank Co., LTD., we only compare transfer services. Should you notice a mistake, we appreciate a message via the contact page.

Head office or branch code at Xiamen International Bank Co., LTD.?

With 13 codes in 12 cities, Xiamen International Bank Co., LTD. belongs to the banks that register individual codes for branches. The main code is IBXHCNBAXXX.

Usually you do not need to look up a branch: transfers addressed to IBXHCNBAXXX reach Xiamen International Bank Co., LTD. without problems. A branch code only makes sense when the recipient’s bank explicitly mentions it.

The safest route is to copy the code directly from the account holder’s bank details. Branch codes can change over time, so a code from an old document is not always valid.

Scams that use SWIFT codes

A common scam goes like this: you receive a request saying that a contact has a new bank account. That IBXHCNBA is a real code is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Always verify a change of bank details by phone on a number you know, not one from the message. Urgency and requests to keep it quiet tend to be warning signs. Acted too fast? Contact the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

Fraud also target the receiver. Someone sends too much and wants you to refund the extra via a different route. A screenshot of a transfer is no proof – check your own account.

Before you send: check the Xiamen International Bank Co., LTD. code

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check it against IBXHCNBA on this page.

Mistakes in the BIC are costly more than fatal – usually the money comes back, minus fees and time lost. A mistake in the account number can be a bigger problem, because the money may be credited to someone else.

Many banking apps check the structure of an IBAN, but that does not prove the account belongs to the right person. Where available, a name check on the recipient gives extra certainty. Sending a small amount first is worth it for a large first payment.

Sending CNY to Xiamen International Bank Co., LTD.

The currency of China is the Chinese Yuan (CNY). When you pay another currency, the amount gets converted somewhere along the way: by your bank, an intermediary or Xiamen International Bank Co., LTD. itself. Every conversion costs something, even when no fee is shown.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Compare how much CNY the recipient gets via several providers.

Rates for CNY change all the time, and some providers let you lock in a rate. For recurring payments, small differences in the rate make a real difference over time.