Bank of America, N.a. Hong Kong SWIFT/BIC code

SWIFT/BIC code of Bank of America, N.a. Hong Kong

Whether a recipient gives you BOFAHKHX or BOFAHKHXXXX, it is the identical identifier for Bank of America, N.a. Hong Kong in Hong Kong SAR China. A SWIFT code shows every bank in the chain exactly which bank is meant to get the money, much like a postcode for banks. It comes up mostly for transfers between countries and payments in foreign currencies.

We wrote this page to help people who pays into an account at Bank of America, N.a. Hong Kong. The SWIFT code on its own does not identify a personal account; that is what the account number or IBAN .

Changed bank details? Be careful

Scammers often send fake invoices containing new bank details. The fact that BOFAHKHX exists does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Do not trust a phone number from the same email that announces the change. Urgency and secrecy tend to be warning signs; a genuine business can wait for you to check. Acted too fast? Contact your bank without delay and have them try to recall the payment; also report it to the police.

Scams can also target the receiver. Someone sends too much and asks you to refund the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Head office or branch code at Bank of America, N.a. Hong Kong?

Bank of America, N.a. Hong Kong has 7 separate SWIFT/BIC codes. One of them is the head office code; the rest identify branches or departments.

For most payments to a private or business account, the head office code BOFAHKHXXXX works fine. Branch codes are only needed when the account holder specifically mentions it, which is more common for corporate accounts and trade services.

The best way is to copy the code directly from the recipient’s invoice. Codes for branches are more likely to change than BOFAHKHXXXX when a bank merges or closes offices.

When will the money arrive at Bank of America, N.a. Hong Kong?

There is no fixed answer for international payments: some land within a day. Weekends and public holidays in the sending or receiving country can add a day or more. Sometimes a bank asks what the payment is for.

When a payment takes longer than expected, contact the sending bank about the tracking status and the transaction reference. Keep the payment confirmation.

Only the sending bank is able to request a trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, it helps to look at your statements for a partial amount, since fees may have been deducted.

Getting paid from abroad into a Bank of America, N.a. Hong Kong account

A sender in another country will ask for several details about your account – incomplete details often cause delays. Share your name as the bank knows it, the IBAN or account number, the BIC BOFAHKHXXXX and your address.

The sender’s bank might request the address of your bank, in which case the Hong Kong head office is the usual answer. Double-check the details before you send them, because the sender’s bank usually copies them as is.

The amount you receive is often lower than the amount sent. Charges on incoming payments differ per bank – the price list of Bank of America, N.a. Hong Kong tells you what applies. For business payments, you can state how the fees are split to avoid a shortfall.

8 or 11 characters: BOFAHKHX versus BOFAHKHXXXX

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. In this case, the 8-character core is BOFAHKHX.

Many payment forms accept either length. If yours requires eleven characters, use BOFAHKHXXXX; if it wants eight, use BOFAHKHX.

Type the code in one piece, in upper case and without spaces, exactly as shown here. A single character can send the money to a different institution, so check it twice.

Sending HKD to Bank of America, N.a. Hong Kong

The currency of Hong Kong SAR China is the Hong Kong Dollar (HKD). If you send money in a different currency has to be converted somewhere along the way. Each conversion eats into the amount – usually through the rate rather than a fee.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Sending the amount already in HKD often prevents an extra conversion – as long as your own rate is good.

Rates for HKD move during the day, and some providers let you lock in a rate. If you pay regularly, a slightly better rate add up over a year.

What a transfer from Bank of America, N.a. Hong Kong abroad really costs

An international bank payment can cost more than the fee suggests. Besides a fixed fee, banks in between may deduct a fee, and when currencies are converted the bank usually uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate that includes a margin. Check the rate you are offered against the mid-market rate.

For a lot of currency pairs, a specialist provider is cheaper than a bank, mainly because of the exchange rate. On GoldexPay we compare what recipients receive with different services, which makes the cheapest option easy to spot. Using a transfer service does not mean closing your account at Bank of America, N.a. Hong Kong.

A note on our data

Our SWIFT/BIC directory draws on publicly available sources and is updated regularly. Even so, banks merge, rename themselves or change codes. The number of codes on this page reflect what is in our directory and not on information from Bank of America, N.a. Hong Kong itself.

Treat this page as a starting point, rather than as the last word – the bank details from the recipient are leading. GoldexPay is not affiliated with Bank of America, N.a. Hong Kong. Found an error? Tell us through the contact page.

Verifying the SWIFT code of Bank of America, N.a. Hong Kong

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. When the code you were given differs from BOFAHKHX or BOFAHKHXXXX, do not guess: check with the recipient or with Bank of America, N.a. Hong Kong directly.

A wrong SWIFT code may lead to delays, a returned payment or extra fees for investigation. A mistake in the account number can be a bigger problem because it can reach the wrong person; check it just as carefully.

Many banking apps validate the format of an IBAN and sometimes look up the BIC automatically. More and more banks compare the payee name with the account. When you pay someone new, some people send a small test amount and wait for confirmation.