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

Hong Kong SAR China: banks and their SWIFT/BIC codes

Here you will find the SWIFT/BIC codes of 1158 banks in Hong Kong SAR China. A SWIFT code shows the banks handling a transfer which institution should receive the money.

Search for the bank you need in the list and click through to see all codes we have and what else a transfer requires. Further down you can read how a code from Hong Kong SAR China is put together, how to send money there at a fair price and how to check a code before you pay.

Transfer times to Hong Kong SAR China

There is no single delivery time for transfers to Hong Kong SAR China: many land within a day. Payments made after the cut-off time or just before weekends and holidays usually start the next business day.

If the money is late, the sender should contact the sending bank and ask for the status or the UETR. Save your transfer receipt – you will need it if something goes wrong.

Hong Kong SAR China and the Hong Kong Dollar

Most accounts in Hong Kong SAR China are usually held in HKD, the local currency. If you send another currency, the amount gets converted somewhere along the way: by your bank, an intermediary or the receiving bank.

Who converts the money makes a difference. In many cases you pay less to send HKD straight away through a transfer service that converts near the mid-market rate so the receiving bank does not need to convert again. Rates for HKD move all the time, so a quote is usually valid only briefly.

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

For an international payment in Hong Kong SAR China, the person paying you has to have not just the BIC. Give them the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Look up your bank in the list above to check its code – your bank statement is the final word. Certain banks 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, and if the money is converted, a markup on the rate comes on top. For business payments, state who bears the costs to avoid a shortfall.

SWIFT transfers to Hong Kong SAR China

Hong Kong SAR China is not part of the SEPA area, the European zone for uniform euro payments. International transfers to Hong Kong SAR China normally go over the SWIFT network.

Not every country uses the IBAN. The recipient’s bank usually provides instructions for incoming international payments, and it is worth following them to the letter. On the way to Hong Kong SAR China, a payment may pass through intermediary banks.

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

Hongkong and Shanghai Banking Corporation Limited, The tops our list of Hong Kong SAR China banks in 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.

A large number of codes often reflects separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. Paying someone at Hongkong and Shanghai Banking Corporation Limited, The? Go with HSBCHKHHXXX except when a specific branch code is requested.

About our data and how to check a code

The safest source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have does not match the code listed here, stop and ask: check with the recipient or the bank.

Our SWIFT/BIC directory is based on public sources and is updated regularly. Even so, banks merge or change codes and our data may lag behind. Before any payment that matters, confirm the code with the recipient. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Scammers often send payment requests carrying new bank details. A valid BIC says nothing about whether a request is genuine: criminals use real codes too.

SWIFT codes in Hong Kong SAR China: banks under :letter

Here you see a selection: just banks in Hong Kong SAR China with a name starting with :letter. The totals mentioned above still cover all banks in Hong Kong SAR China and not only this selection.

Some banks appear under their official name, which may start with words like Bank or Banco. Use the full list for Hong Kong SAR China when you do not know how the name is spelled.

Recognising a SWIFT code from Hong Kong SAR China

Each SWIFT/BIC code consists of eight or eleven characters. Characters one to four stand for the bank, the fifth and sixth characters are the country code and the next two give the location.

You can spot a bank code from Hong Kong SAR China by the fifth and sixth characters – those always form the country code of Hong Kong SAR China. When those two letters do not match Hong Kong SAR China, the code belongs to a bank in another country – worth double-checking.

When a code ends in XXX, it refers to the main office, and the 8-character version leads to the same place. In most cases the head office code is fine, unless the recipient gives you a branch code.

Sending money to Hong Kong SAR China for less

A bank transfer to Hong Kong SAR China often costs rather more than you think. Besides the fee, correspondent banks can take a cut and, if currencies are converted, the bank often uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: banks convert at a rate with a margin built in. A simple test: put the offered rate against the mid-market rate and look at the difference.

For a lot of currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer – mostly thanks to the exchange rate. On GoldexPay we compare what recipients in Hong Kong SAR China receive across services, which makes the cheapest option easy to spot.