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

SWIFT/BIC codes in Hong Kong SAR China

This directory contains 1158 banks and other institutions in Hong Kong SAR China and 1362 SWIFT/BIC codes between them. A BIC tells every bank in the chain exactly which bank is meant to get an international payment.

Each bank has its own page showing its main code and, where available, branch codes. The sections below explain how the codes work, what transfers cost and the checks worth doing.

International payments to Hong Kong SAR China and the BIC

Since Hong Kong SAR China does not belong to SEPA, a transfer from abroad is usually sent through SWIFT. This means the payment always needs the SWIFT/BIC code of the receiving bank in addition to the account details.

In some countries, accounts are identified by a local account number instead of an IBAN and sometimes a local routing or branch code. Ask the recipient which details their bank needs for incoming international payments – many banks give clear instructions for this. On the way to Hong Kong SAR China, a transfer may pass through correspondent banks that take a fee.

When does money sent to Hong Kong SAR China arrive?

There is no fixed delivery time for transfers to Hong Kong SAR China: some land the same day or the next. Bank holidays in either country add a day or more, because banks do not process payments on those days.

If a transfer is delayed, ask the sender to contact their own bank for a trace; only the sending side can start an official trace. Keep the payment confirmation until the recipient confirms – you will need it if something goes wrong.

The Hong Kong Dollar (HKD) and conversion costs

Most accounts in Hong Kong SAR China are typically held in HKD, the local currency. Money sent in a different currency will be exchanged into HKD – and the bank that does it picks the rate.

Which bank converts the payment makes a difference: every bank has its own margin. Compare how much HKD arrives via several providers. Rates for HKD change during the day, so a quote is usually valid only briefly.

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

When you expect a payment from another country on an account in Hong Kong SAR China, give the sender everything they need in one go. Share your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address.

Your bank’s code is in the list on this page. You can include the name and city of your bank because some forms have separate fields for it.

What lands in your account is often lower than the amount sent. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin applies. Make clear with the sender who pays which costs before the money is sent.

Banks in Hong Kong SAR China beginning with the letter :letter

This list shows only the banks in Hong Kong SAR China whose name starts with :letter in alphabetical order. The figures for Hong Kong SAR China on this page apply to every bank we list, not just the ones under :letter.

Cannot find the bank? The registered name might begin with another word. The full overview for Hong Kong SAR China is available when you cannot find the bank here.

Most SWIFT codes in Hong Kong SAR China: Hongkong and Shanghai Banking Corporation Limited, The

In our data, Hongkong and Shanghai Banking Corporation Limited, The holds the largest number of SWIFT/BIC codes in Hong Kong SAR China. The head office of Hongkong and Shanghai Banking Corporation Limited, The has HSBCHKHHXXX; that is usually the right code for a transfer.

The number of codes says 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.

Verifying a SWIFT code from Hong Kong SAR China

Ask the recipient to copy the account details directly from their online banking. If the code you have differs from the code listed here, stop and ask: check with the recipient or the bank.

This list is based on public sources. Banks merge, change names and change codes. Treat our data as a starting point, not as the final word; the recipient’s bank details are leading. GoldexPay is not a bank and is not affiliated with the banks listed.

Fraudsters often use fake invoices with changed bank details that look completely genuine. A real SWIFT code tells you nothing about whether a request is genuine – scammers use the codes of real banks.

The cheapest way to send money to Hong Kong SAR China

What you pay for a transfer to Hong Kong SAR China is made up of more than one component, and the fee on your screen is only one of them. You pay a transfer fee, possibly fees from correspondent banks along the way and, most importantly, the margin on the exchange rate when currencies differ.

That exchange rate margin tends to be the biggest part of the cost because it is hidden in the rate. Check the bank’s rate with the mid-market rate; the gap is what conversion costs you.

For many routes, a specialist provider turns out to be cheaper than a bank. GoldexPay compares these providers next to each other so you can see the amount that reaches the recipient before you commit.

What the letters in a Hong Kong SAR China BIC mean

A BIC is either 8 or 11 characters long and follows a fixed pattern. It starts with a four-letter bank code, followed by a two-letter country code and a two-character location code.

You can spot a code from Hong Kong SAR China from letters five and six – those always form the country code of Hong Kong SAR China. When the country letters do not match Hong Kong SAR China, you are looking at a bank in another country – worth double-checking.

When a code ends in XXX, it means the head office, and the 8-character version leads to the same place. Use a branch code only when the recipient explicitly gives you one.