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

Bank SWIFT codes for Hong Kong SAR China

For 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, so a payment from abroad reaches the right place.

Each bank is listed with its own page with its main code and if there are any, branch codes. Further down you can read how a code from Hong Kong SAR China is put together, how to send money to Hong Kong SAR China at a fair price and what to check before you pay.

Incoming international payments in Hong Kong SAR China

When you expect money from abroad in Hong Kong SAR China, send the payer all details at once. Give them your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Your bank’s code appears in our list, yet the version on your own statement or in your banking app is leading. Certain banks may also ask for your bank’s address, so keep it at hand.

What lands in your account can be less than what was sent. Intermediary banks may deduct a fee, your bank may charge for incoming payments, and when currencies differ, a markup on the rate applies. Agree with the sender who covers the fees, especially for larger amounts.

When does money sent to Hong Kong SAR China arrive?

There is no single delivery time for transfers to Hong Kong SAR China: some land the same day or the next. Transfers sent late in the day or on weekends and holidays often start the next business day.

When a payment takes longer than expected, the sender should contact their own bank for a trace; only the sending side can start an official trace. Keep the payment confirmation until the money has arrived.

What the letters in a Hong Kong SAR China BIC mean

Bank identifier codes use one international format: eight characters, sometimes followed by three more. The first four letters identify the bank, the fifth and sixth characters form the country code and characters seven and eight give the location.

In every code from Hong Kong SAR China, characters five and six are the two-letter ISO code of Hong Kong SAR China – that is the quickest way to spot one. Codes with a different country code come from another country – a quick way to catch mistakes.

When a code ends in XXX, it refers to the head office and the short version works just as well. For most transfers the head office code is what you need unless the recipient asks for a specific branch.

The Hong Kong Dollar (HKD) and conversion costs

Hong Kong SAR China pays in the Hong Kong Dollar, code HKD. A payment in a foreign currency will be converted into HKD on its way to the recipient.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Check how much HKD arrives with several services before choosing one. With bigger transfers, even a small gap in the rate can be worth more than the fee.

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

To pay into Hong Kong SAR China you usually need the BIC. Without it, your bank will not send the transfer at all.

Not all countries use the IBAN. Check with the recipient which details their bank needs for incoming international payments – many banks give clear instructions for this. SWIFT payments can pass through correspondent banks, each of which may deduct a fee.

Verifying a SWIFT code from Hong Kong SAR China

The most reliable source for a SWIFT code is the bank details provided by the recipient: an invoice, a statement or their online banking. If the code you have differs from the code listed here, stop and ask: check with the recipient or the bank.

We gather bank codes from publicly available data and check our list regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. For a payment of any size, confirm the BIC with the recipient. GoldexPay is not a bank and has no link to the banks in this list.

Fraudsters often use fake invoices carrying changed bank details that look completely genuine. A real SWIFT code says nothing about who owns the account – scammers use the codes of real banks.

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

Here you see a filtered list: just banks in Hong Kong SAR China whose name begins with :letter. The counts in the introduction still refer to the whole country and not only this selection.

If a bank is missing here, check another letter: banks are often registered under their full legal name. The full overview for Hong Kong SAR China is available when you cannot find the bank here.

The cheapest way to send money to Hong Kong SAR China

If you transfer money to Hong Kong SAR China through your bank, the fee you see is rarely all of what you pay. Besides a fixed fee, intermediary banks may deduct a charge, and when the money is converted the bank often applies a rate below the actual market rate.

The markup on the rate is often the biggest part of the cost. Compare the rate you are offered with the mid-market rate that you find on financial sites; the gap is what conversion costs you.

For a lot of routes, a specialist provider turns out to be less expensive than a traditional bank transfer. On GoldexPay we compare the amount that arrives in Hong Kong SAR China across services.

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 the number of SWIFT/BIC codes. The head office of Hongkong and Shanghai Banking Corporation Limited, The uses HSBCHKHHXXX; that is usually the right code for a transfer.

Many codes usually reflects separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. If not a branch code is given, the head office code HSBCHKHHXXX works for transfers to this bank.