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

Bank SWIFT codes for Hong Kong SAR China

On this page you find the SWIFT/BIC codes of 1158 banks in Hong Kong SAR China. Each code identifies a bank or a specific branch or department, so a payment from abroad reaches the right place.

Look for the bank you need below and open its page to see the full list of codes. The rest of this page covers the structure of the codes, the cost of transfers and the checks worth doing before a payment.

How reliable is this list?

The most reliable place for the correct BIC remains paperwork issued by the bank, such as a statement or the account page in online banking. If the code you have does not match the code listed here, stop and ask – contact the recipient or their bank.

We collect bank codes using public sources and update them from time to time. Still, banks merge or change codes. Before any payment of any size, confirm the BIC with the recipient’s bank. GoldexPay is not a bank.

Be wary of payment requests containing changed bank details – a common fraud method. Always verify a change of bank details by phone on a number you know.

Filter: banks in Hong Kong SAR China with :letter

This page shows only the banks in Hong Kong SAR China whose name starts with :letter in alphabetical order. The totals on this page apply to every bank we list and not only this letter.

If the bank you need does not appear here, try the full list – the registered name can differ from the name people use. Use the full list for Hong Kong SAR China when you are not sure how the name is spelled.

How SWIFT codes from Hong Kong SAR China are built

A BIC is 8 or 11 characters long and follows a fixed pattern. It starts with four letters for the bank, followed by two letters for the country and two characters for the location.

You can recognise a code from Hong Kong SAR China by letters five and six. A code with a different country code come from a bank abroad, even if the bank name looks familiar.

The last three characters, if present, stand for a branch or department; XXX is used for the head office. Choose a branch code only when the recipient’s bank asks for it.

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

Hongkong and Shanghai Banking Corporation Limited, The tops the list of Hong Kong SAR China banks in the number of SWIFT/BIC codes. Its head office code is HSBCHKHHXXX.

The number of codes tells you something about how it organises its payments than about how big it is. Paying someone at Hongkong and Shanghai Banking Corporation Limited, The? Go with HSBCHKHHXXX except when the recipient gives you a branch code.

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

Hong Kong SAR China is outside the SEPA area. International transfers to Hong Kong SAR China normally go over the SWIFT network – which is why you need the BIC of the recipient’s bank.

In some countries, the account is identified by a domestic account number instead of an IBAN. The recipient’s bank usually provides instructions for incoming international payments, and it is worth following them to the letter. Before it arrives, a transfer may go through intermediary banks that charge for their part.

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

If you expect money from abroad in Hong Kong SAR China, give the sender everything they need in one go. Give them the account holder’s name, your account number or IBAN, the BIC of your bank and your address, which some banks require.

The code of your bank appears in our list. It helps to add the name and city of your bank as well, since some payment forms ask for it.

The amount you receive is often lower than the amount sent. Charges on incoming payments vary per bank – your bank’s price list tells you what applies. For business payments, state who bears the costs, so nobody is left short.

What a transfer to Hong Kong SAR China really costs

What you pay for a payment to Hong Kong SAR China is made up of several parts. There is a transfer fee, possibly fees from correspondent banks and, above all, the margin on the exchange rate when currencies differ.

The markup on the rate is often the largest part of the cost because it is hidden in the rate. An easy check: set the rate you get next to the mid-market rate and look at the difference.

For many currency pairs, a specialist provider is cheaper than a bank. Before your next transfer to Hong Kong SAR China, it is worth comparing the total cost on GoldexPay rather than accepting the first rate you see.

Paying in HKD: what conversion costs you

Hong Kong SAR China uses the Hong Kong Dollar. Money sent in a different currency will be exchanged into HKD on its way to the recipient – and the bank that does it picks the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Compare how much HKD arrives via several providers; the difference between options can be larger than you expect. On larger amounts, a seemingly small difference in the rate adds up quickly.

Tracking a payment to Hong Kong SAR China

How quickly money arrives in Hong Kong SAR China is determined by a few things: which currency you send, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or on weekends and holidays usually start a business day later.

If the money seems delayed, the sender should contact the sending bank – the receiving bank often cannot see a payment that has not arrived. Save the payment confirmation.