Australia and New Zealand Banking Group LTD SWIFT/BIC code

What ANZBHKHX means for a payment to Australia and New Zealand Banking Group LTD

Whether you are given ANZBHKHX or ANZBHKHXXXX, you are looking at the identical identifier for Australia and New Zealand Banking Group LTD in Hong Kong SAR China. Banks worldwide use these codes to route payments between countries to the correct bank. In daily life you usually see the code on international invoices, in payment forms and on the account details of Australia and New Zealand Banking Group LTD customers.

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. A SWIFT code names an institution, not a single account.

Watch out for payment fraud

Be wary if a contact unexpectedly asks you to pay into a different account. That ANZBHKHX is a real code is no guarantee that the account is genuine.

Check changed bank details through a separate channel, never via the email that asked for the change. Watch out for urgent requests, unusual wording or a sender address that is slightly off. If money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Scams can also target the receiver: someone sends more than agreed and asks you to refund the extra. Do not act before the money has really arrived.

Paying someone abroad from your Australia and New Zealand Banking Group LTD account

An international bank payment costs rather more than the listed fee. There is the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate.

Banks do not show their exchange rate markup separately. Compare the rate you are offered with the mid-market rate; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a bank, mainly because of the exchange rate. GoldexPay compares what recipients receive with different providers. Using a transfer service does not mean leaving Australia and New Zealand Banking Group LTD – you pay the provider from your own account.

How long does an international transfer to Australia and New Zealand Banking Group LTD take?

How quickly a transfer reaches Australia and New Zealand Banking Group LTD is determined by a few things: the currency, how many intermediary banks are involved, cut-off times and time zones. Payments made late in the day or just before weekends and holidays usually start a business day later. Extra checks on larger or unusual payments may also add a delay.

If a transfer is delayed, contact the sending bank about the tracking status so they can trace it along the chain. Keep the payment confirmation until the recipient confirms – you will need it for any trace request.

Only the sending bank is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, it helps to check your statements to see a partial amount, since fees may have been deducted.

Which of the 2 codes of Australia and New Zealand Banking Group LTD do you need?

Our directory lists 2 SWIFT/BIC codes for Australia and New Zealand Banking Group LTD in 1 cities. Besides the head office code ANZBHKHXXXX, you will find codes for regional offices and specialised units.

Usually you do not need to look up a branch: transfers sent to ANZBHKHXXXX are routed within Australia and New Zealand Banking Group LTD correctly. If you have been given a branch code, use it as it is instead of swapping it with the head office code.

When in doubt, ask the person you are paying which code their bank gave them. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

What to give a sender who pays you at Australia and New Zealand Banking Group LTD

If you are waiting for a payment from another country, give the sender all details at once. That means: your name as registered with Australia and New Zealand Banking Group LTD, your account number or IBAN, the BIC ANZBHKHXXXX (or ANZBHKHX) and sometimes your postal address.

The sender’s bank might request the address of your bank. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

An incoming payment does not always arrive for the full amount. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. Make clear with the sender who pays which costs.

ANZBHKHX or ANZBHKHXXXX – which one to use?

A BIC is made up of fixed blocks: the first four letters stand for the bank, the next two give the country and the two after that mark the location. The result is ANZBHKHX.

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

Enter the code in one piece, in capitals and without separators, exactly as shown here. Copying the code beats typing it by hand: a typo can point to another bank.

Is ANZBHKHX still correct? How to check

The most reliable place for the right code is paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given differs from ANZBHKHX or ANZBHKHXXXX, do not guess: check with the recipient or with Australia and New Zealand Banking Group LTD directly.

Mistakes in the BIC are 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.

A format check in your banking app merely tells you that the IBAN is valid – not that it belongs to the person you mean to pay. More and more banks check the name against the account. A small test payment can be a sensible step for a large first payment, even if it costs an extra fee.

Paying into Australia and New Zealand Banking Group LTD in HKD

The currency in Hong Kong SAR China is the Hong Kong Dollar (HKD). If you send money in a different currency gets converted at some point – by your bank, by Australia and New Zealand Banking Group LTD or by a bank in between. Every conversion eats into the amount – usually through the rate rather than a fee.

Who does the conversion has an effect on the final amount, since every bank sets its own rate. Compare how much HKD the recipient gets with several services.

The rate for HKD changes throughout the day. On larger amounts, even small gap in the rate adds up quickly.

Where our SWIFT data comes from

The details on this page are taken from publicly available data which we refresh regularly. Institutions reorganise, change names and retire codes – a directory can be a step behind. The figures on this page reflect our own data and not on information from Australia and New Zealand Banking Group LTD itself.

Treat the information here as a helpful check and rely on the recipient or Australia and New Zealand Banking Group LTD for the final confirmation. We are a comparison site and not affiliated with Australia and New Zealand Banking Group LTD. If you notice a mistake, we appreciate a message.