Aia Company Limited SWIFT/BIC code

What AIACHKHC means for a payment to Aia Company Limited

The 8-character code AIACHKHC and the full code AIACHKHCXXX refer to the same bank: Aia Company Limited in Wan Chai, Hong Kong SAR China. The code does one job: it makes sure that a cross-border transfer ends up at the right bank. You will need it mainly for payments that cross a border or a currency.

This page is meant to help anyone who sends money to an account at Aia Company Limited without mistakes. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number takes care of that.

8 or 11 characters: AIACHKHC versus AIACHKHCXXX

Every SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. The result is AIACHKHC.

XXX at the end of AIACHKHCXXX is not a placeholder or a mistake: it indicates the head office of Aia Company Limited. Some banking apps insist on 11 characters, and then you simply add XXX behind AIACHKHC.

Type the code as one block, in capitals and without spaces. Watch for O versus 0 and I versus 1; they are easy to mix up.

Which of the 2 codes of Aia Company Limited do you need?

Aia Company Limited has 2 separate SWIFT/BIC codes across 2 cities. Only one is the head office code, AIACHKHCXXX; the rest identify branches, and sometimes internal departments.

For the vast majority of payments to a private or business account, the head office code AIACHKHCXXX works fine. Only use a branch code when your contact gives you that exact code.

The best way is to take the code straight from the account holder’s statement. Branch codes can change over time, so do not rely on old paperwork.

About this information

The details on this page are taken from publicly available data that we update regularly. It is possible that information on this page is no longer current, for example after a merger. The number of codes on this page are based on our own data, not official figures from Aia Company Limited.

See the information here as a helpful check, and let the details from the recipient or Aia Company Limited have the final say. GoldexPay is independent of Aia Company Limited, we only compare transfer services. If you notice something that is out of date, we welcome a message via the contact page.

Protect yourself against fake payment requests

Be wary if someone suddenly asks you to pay into a different account. That AIACHKHC is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Verify new payment details via a separate channel, such as a phone number you already know. Urgency and requests to keep it quiet are warning signs; a genuine business can wait for you to check. Already paid? Call the bank you paid from straight away and ask them to start a recall.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to send back the difference. Do not act before the money is actually in your account and check with Aia Company Limited if anything seems off.

Is AIACHKHC still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. If the code you have differs from AIACHKHC or AIACHKHCXXX, stop and ask – contact the recipient or Aia Company Limited.

Mistakes in the SWIFT code tend to be costly more than disastrous. An error in the IBAN or account number is more serious, because the money may be credited to someone else; check it just as carefully.

An automatic check by your bank only tells you that the code is valid, not that it is the right account. More and more banks compare the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first is a sensible step for large sums.

The Hong Kong Dollar and what conversion costs you

Accounts at Aia Company Limited are typically held in HKD, the national currency. Money sent in a different currency is exchanged into HKD before it reaches the account – and the bank that does it picks the rate. You rarely see a separate charge for the conversion – the cost sits in the rate.

Which bank converts the money matters. Compare how much HKD the recipient gets via different services before choosing one.

The HKD rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. For regular payments, small differences in the rate add up over time.

What to give a sender who pays you at Aia Company Limited

If you expect a payment from another country, give the sender everything they need in one go. Give them your name as the bank knows it, the IBAN or account number, the BIC AIACHKHCXXX and your address.

Some sending banks also ask for the bank’s address in Wan Chai. A mistake in the IBAN is harder to fix than it looks, so copy the details from your online banking.

Money from abroad will not always arrive in full. Fees for incoming transfers differ per bank. Agree with the sender who pays which costs before the money is sent.

When will the money arrive at Aia Company Limited?

There is no fixed delivery time for every transfer: many arrive the same day or the next, others take several business days. Bank holidays in the sending or receiving country can add extra days to the journey. Compliance checks by one of the banks may also cause some delay, regardless of the details.

If the money seems delayed, contact the sending bank for the status or the UETR; with that reference banks can see where the payment is. Save the payment confirmation; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the person who paid should contact the bank that sent it rather than Aia Company Limited. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

Sending money abroad from Aia Company Limited

An international bank payment can cost rather more than the fee suggests. There is the transfer fee, sometimes fees charged by intermediary banks in between and, above all, the margin on the exchange rate if the currency changes.

The markup on the rate tends to be the biggest cost because it is hidden in the rate. A simple test: put the bank’s rate against the mid-market rate and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate. Before your next transfer, take a minute comparing the total cost on GoldexPay. Using a transfer service does not require leaving Aia Company Limited.