SWIFT/BIC codes in Hong Kong SAR China: banks starting with C

Bank SWIFT codes for Hong Kong SAR China

In Hong Kong SAR China our database holds 1362 SWIFT/BIC codes, spread over 1158 institutions. Each code points to a bank or a specific branch or department and tells other banks where an international payment should go.

Pick the bank from the list to view its head office code and any branch codes. Further down you can read how a code from Hong Kong SAR China is put together, how to send money there without overpaying and what to check before you pay.

What a sender needs to pay you in Hong Kong SAR China

If you are waiting for money from abroad on an account in Hong Kong SAR China, give the sender all details at once. Share your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Look up the bank in the list above and compare the code with your own bank details – your bank statement is the final word. Some banks also ask for the name and address of your bank.

What lands in your account is often less than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. For business payments, agree how the fees are split to avoid a shortfall.

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

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

A large number of codes usually means that the bank registers branches and departments separately – it says nothing about the size of the bank as such. If not the recipient asks for a branch, HSBCHKHHXXX is fine for transfers to this bank.

Why a transfer to Hong Kong SAR China needs a SWIFT code

Hong Kong SAR China is outside the SEPA area, the European zone for uniform euro payments. International transfers to Hong Kong SAR China normally travel through the SWIFT network – which is why you need the BIC of the recipient’s bank.

In some countries, accounts are identified by a domestic account number instead of an IBAN, sometimes with an extra bank or branch code. The receiving bank usually has instructions for incoming international payments – follow them exactly. SWIFT payments can pass through one or more intermediary banks.

Transfer times to Hong Kong SAR China

How fast money reaches Hong Kong SAR China depends on a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Payments made late in the day or just before weekends and holidays usually go out a business day later.

When a payment takes longer than expected, ask the sender to contact the sending bank and ask for the status or the UETR. Specialist transfer services often show a status online.

What a transfer to Hong Kong SAR China really costs

A bank transfer to Hong Kong SAR China can cost rather more than the fee suggests. You pay a transfer fee, sometimes fees from correspondent banks and, above all, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate, rather than in the fee – the bank builds a margin into its rate. An easy check: put the rate you get next to the mid-market rate and work out the difference on your amount.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. Before you send money to Hong Kong SAR China, it is worth comparing what arrives via GoldexPay.

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

A SWIFT code is 8 or 11 characters long and the parts always come in the same order. First comes a four-letter bank code, followed by two letters for the country and two characters for the location.

No matter which bank, every code from Hong Kong SAR China share the same country code in positions five and six, namely the ISO code of Hong Kong SAR China. If those two letters do not match Hong Kong SAR China, you are looking at a bank in another country.

The long version adds a branch code. For most transfers the head office code is fine.

The Hong Kong Dollar (HKD) and conversion costs

Most accounts in Hong Kong SAR China are usually held in HKD. Money sent in a different currency will be converted into HKD before it reaches the account – and the bank that does it picks the rate.

Who converts the payment makes a difference: every bank has its own margin. In many cases it is cheaper if you send HKD directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert. Rates for HKD move during the day, so a quote is usually valid only briefly.

Banks in Hong Kong SAR China starting with :letter

This page only shows the banks in Hong Kong SAR China beginning with :letter. The figures for Hong Kong SAR China mentioned here apply to all 1158 banks, not just the ones under :letter.

If the bank you need does not appear under :letter, try another letter. Try the full list for Hong Kong SAR China if you do not know the exact name.

How reliable is this list?

Ask the recipient to send you the account details directly from their banking app. If the code you have does not match our list, stop and ask: check with the recipient or the bank.

Our SWIFT/BIC directory draws on public sources and is updated regularly. Institutions merge, change names and retire codes, and no directory catches every change immediately. Before any payment that matters, check the code with the recipient’s bank. GoldexPay is a comparison service and not part of any bank listed here.

Scammers often use payment requests carrying new bank details. A valid BIC says nothing about whether a request is genuine – scammers use the codes of real banks.