SWIFT/BIC codes in Hong Kong SAR China

SWIFT/BIC codes in Hong Kong SAR China

On this page you find codes for 1158 banks in Hong Kong SAR China – 1362 codes altogether. A BIC shows every bank in the chain exactly which bank is meant to get an international payment.

Every bank is listed with its own page showing its main code and, where available, codes for branches and departments. Further down you can read how a code from Hong Kong SAR China is put together, how to send money to Hong Kong SAR China without overpaying and how to check a code before you pay.

Most SWIFT codes in Hong Kong SAR China: Hongkong and Shanghai Banking Corporation Limited, The

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

How many codes a bank has says something about how it registers branches and services than about its size. If not the recipient asks for a branch, the head office code HSBCHKHHXXX works for a payment to Hongkong and Shanghai Banking Corporation Limited, The.

SWIFT codes in Hong Kong SAR China: banks under :letter

You are looking at a selection: only banks in Hong Kong SAR China whose name begins with :letter. The totals mentioned above always cover all banks in Hong Kong SAR China.

Many institutions are listed under their legal name, which may start with words like Bank or Banco, so the letter can differ from what you expect. The full overview for Hong Kong SAR China is available when you cannot find the bank here.

How reliable is this list?

Ask the recipient to send you their bank details straight from a recent statement. An incorrect BIC can cause a delay, a returned payment or additional charges, so compare it with the list on this page.

We gather SWIFT/BIC codes from publicly available data and check our list from time to time. Banks reorganise, close branches and retire codes, and no directory catches every change immediately. Before a payment of any size, check the BIC with the recipient. GoldexPay is an independent comparison service for money transfers and not part of any bank listed here.

Fraudsters often send fake invoices with changed bank details from what looks like a familiar address. Before paying, confirm a change of bank details through a separate channel, using a number you already had.

Bank or transfer service for Hong Kong SAR China?

An international bank payment to Hong Kong SAR China often costs rather more than you think. There is the transfer fee, sometimes charges from intermediary banks along the way and, above all, the exchange rate markup when currencies differ.

That exchange rate margin is often the biggest part of the cost because it is hidden in the rate. Compare the rate you are offered against the mid-market rate, the midpoint you see on financial news sites.

Specialist money transfer services often offer rates closer to the mid-market rate with clearer fees. GoldexPay compares what recipients in Hong Kong SAR China receive across providers, so you can pick the cheapest route.

International payments to Hong Kong SAR China and the BIC

For Hong Kong SAR China you will usually need the BIC. Without it, your bank cannot process the transfer.

Not every country uses IBAN numbers; in that case the local account number is used instead. The recipient’s bank often provides instructions for incoming international payments. Before it arrives, a payment can pass through intermediary banks that take a fee.

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

A BIC is either 8 or 11 characters long and the parts always come in the same order. The first four letters identify the bank, the fifth and sixth characters are the country code and the next two mark the location.

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

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

When does money sent to Hong Kong SAR China arrive?

There is no single delivery time for transfers to Hong Kong SAR China: many land within a day. Public holidays in either country add extra days to the journey.

When a payment takes longer than expected, ask the sender to contact the sending bank for a trace; only the sending side can start an official trace. Money transfer services usually provide a status online so you can follow the payment.

Getting paid from abroad into an account in Hong Kong SAR China

For a transfer from abroad in Hong Kong SAR China, the person paying you needs more than the BIC. That means: your full name as your bank knows it, your account number or IBAN, the SWIFT/BIC code of your bank and usually your address.

Find the bank in the list on this page and compare the code with your own bank details, but take the code from your own bank details when in doubt. You can include your bank’s name and city because some forms have separate fields for it.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers differ from bank to bank; check the price list of your bank. For business payments, agree who bears the costs to avoid a shortfall.

Sending HKD to Hong Kong SAR China

The currency in Hong Kong SAR China is the Hong Kong Dollar (HKD). When you pay another currency, it has to be converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Where the conversion happens has an effect on the final amount, since every bank sets its own rate. Often you pay less if you send HKD directly through a provider with a good rate rather than letting the receiving bank convert. With bigger transfers, even a small difference in the rate can be worth more than the fee.