SWIFT/BIC codes in Hong Kong SAR China

Finding a SWIFT code in Hong Kong SAR China

On this page you find the SWIFT/BIC codes of 1158 institutions in Hong Kong SAR China. Each code identifies an institution or one of its branches, so a payment from abroad reaches the right place.

Choose the bank from the list to view the head office code and its other codes. Further down you can read how a code from Hong Kong SAR China is put together, how to send money there at a fair price and how to check a code before you pay.

The cheapest way to send money to Hong Kong SAR China

A bank transfer to Hong Kong SAR China can cost more than you think. Besides a fixed fee, intermediary banks can take a cut and, if currencies are converted, the bank usually applies a rate below the real market rate.

The real cost is often in the rate, rather than in the fee. An easy check: set the offered rate against the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a bank – mostly thanks to the exchange rate. On GoldexPay you can compare the amount that arrives in Hong Kong SAR China with different services, which makes the cheapest option easy to spot.

Which bank in Hong Kong SAR China has the most codes?

Hongkong and Shanghai Banking Corporation Limited, The leads our list for Hong Kong SAR China in the number of SWIFT/BIC codes. Its main office uses HSBCHKHHXXX and that code covers most payments.

Practice differs in whether they register branch codes, so the count is not a ranking of size. Making a payment to Hongkong and Shanghai Banking Corporation Limited, The? Go with HSBCHKHHXXX unless the recipient gives you a branch code.

Verifying a SWIFT code from Hong Kong SAR China

The best place to find the correct BIC remains a document from the bank itself, such as a statement or the account page in online banking. An incorrect BIC may lead to a delay, a returned payment or additional charges, so compare it with the list on this page.

We collect SWIFT/BIC codes using publicly available data and update them regularly. Banks reorganise, change names and retire codes, and no directory catches every change immediately. Before a payment that matters, check the code with the recipient’s bank. GoldexPay is an independent comparison site and has no link to the banks in this list.

Be wary of payment requests containing changed bank details, especially when they come by email. Before paying, verify a change of bank details through a separate channel, using a number you already had.

SWIFT transfers to Hong Kong SAR China

Because Hong Kong SAR China is outside SEPA, a transfer from abroad normally goes through SWIFT. That means you always need the SWIFT/BIC code of the receiving bank in addition to the account details.

In some countries, the account is identified by a domestic account number rather than an IBAN and sometimes a local routing or branch code. The recipient’s bank often provides a list of required details for incoming international payments. On the way to Hong Kong SAR China, a payment may go through correspondent banks.

Hong Kong SAR China and the Hong Kong Dollar

Hong Kong SAR China pays in the Hong Kong Dollar, with the currency code HKD. Money sent in a different currency will be exchanged into HKD.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Check what HKD arrives with several services before choosing one. On larger amounts, a seemingly small gap in the rate adds up quickly.

Tracking a payment to Hong Kong SAR China

How fast a payment arrives in Hong Kong SAR China is determined by a few things: which currency you send, the number of banks in between, cut-off times and time zones. Transfers sent after the cut-off time or on a weekend or public holiday usually start the next business day.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR, which the sending bank can use to trace it. Keep your transfer receipt – you will need it if something goes wrong.

The structure of a Hong Kong SAR China SWIFT/BIC code

Every SWIFT/BIC code has 8 or 11 characters, always in the same order. Characters one to four stand for the bank, characters five and six are the country code and characters seven and eight mark the location.

You can recognise a code from Hong Kong SAR China from the fifth and sixth characters – those always form the country code of Hong Kong SAR China. Codes with other letters in that position belong to another country.

The last three characters, if present, stand for a specific branch; XXX is used for the head office. For most transfers the head office code is fine.

Receiving money in Hong Kong SAR China from abroad

A sender in another country will ask for several details from you. That means: your name as your bank knows it, your account number or IBAN, the BIC of your bank and, often, your address.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. It helps to include your bank’s name and city.

Expect that the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers differ per bank. Agree with the sender who covers the fees, especially for larger amounts.