Habib Bank Zurich (Hong Kong) Limited SWIFT/BIC code

HFLIHKHH – the SWIFT/BIC code of Habib Bank Zurich (Hong Kong) Limited

HFLIHKHH and HFLIHKHHXXX are two spellings of the same SWIFT/BIC code, and both point to Habib Bank Zurich (Hong Kong) Limited in Hong Kong. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, much like a postcode for banks. You will need it mostly when dealing with transfers between countries.

Below you will find the practical questions: receiving money at Habib Bank Zurich (Hong Kong) Limited, sending money abroad and how to check a SWIFT code before you confirm a payment. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN takes care of that.

Getting paid from abroad into a Habib Bank Zurich (Hong Kong) Limited account

If you expect money from abroad, send the payer everything they need in one go. Give them your name as the bank knows it, the IBAN or account number, the BIC HFLIHKHHXXX and your address.

Certain banks also ask for the address of Habib Bank Zurich (Hong Kong) Limited. A typo in your account number can be more trouble than you might think.

What lands in your account can be less than what was sent. Charges on incoming payments differ from bank to bank; check the price list of Habib Bank Zurich (Hong Kong) Limited. Make clear with the sender who pays which costs before the money is sent.

Tracking a transfer to or from Habib Bank Zurich (Hong Kong) Limited

How fast a payment arrives at Habib Bank Zurich (Hong Kong) Limited depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in the sending or receiving country can add extra days, since banks do not process on those days. Occasionally a bank wants to know what the payment is for before releasing it.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR that banks can use to trace it. Save your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

Only the sending bank can start an official trace. Ask the sender for the payment receipt with the date and reference.

Why Habib Bank Zurich (Hong Kong) Limited has an 8- and an 11-character code

A BIC is made up of fixed blocks: characters one to four identify the bank, the next two show the country and the two after that mark the location. That gives you HFLIHKHH.

The long version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office.

Do not add spaces, dots when you enter HFLIHKHH. Look out for the letter O and the digit 0 or I versus 1.

About this information

The details here come from public sources. It is possible that a code on this page is out of date. Counts and locations come from our own dataset.

See our directory on this page as a helpful check and rely on the recipient or Habib Bank Zurich (Hong Kong) Limited for the final confirmation. GoldexPay is not affiliated with Habib Bank Zurich (Hong Kong) Limited, we only compare transfer services. Spotted an error? Let us know through the contact page so we can correct it.

What a transfer from Habib Bank Zurich (Hong Kong) Limited abroad really costs

The price of an international transfer has several parts – not just the fee on your screen. You pay the transfer fee, possibly fees charged by intermediary banks in between and, most importantly, the exchange rate markup when the money is converted.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider is cheaper than a bank – mostly thanks to the rate. GoldexPay compares what recipients receive with different services, so you can pick the cheapest route. Choosing a specialist does not mean closing your account at Habib Bank Zurich (Hong Kong) Limited.

The Hong Kong Dollar and what conversion costs you

Hong Kong SAR China uses the Hong Kong Dollar, with the currency code HKD. Money sent in a different currency is converted into HKD on its way to Habib Bank Zurich (Hong Kong) Limited. There is rarely a separate charge for that conversion – the cost sits in the rate.

Who converts the payment matters: every bank has its own margin. Check what HKD the recipient gets with different services.

The HKD rate changes throughout the day and quotes are often valid only for a short time. For regular payments, a slightly better rate make a real difference over a year.

Verifying the SWIFT code of Habib Bank Zurich (Hong Kong) Limited

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given differs from HFLIHKHH or HFLIHKHHXXX, do not guess: check with the recipient or with Habib Bank Zurich (Hong Kong) Limited directly.

An incorrect BIC may lead to a delay, a payment being sent back or additional charges. An error in the IBAN or account number is more serious, because the money may be credited to someone else; check it just as carefully.

An automatic check by your bank merely confirms that the code is valid – not that it belongs to the person you mean to pay. More and more banks compare the name with the account before you confirm – do not ignore a mismatch warning. For a first payment, some people send a small amount first.

Protect yourself against fake payment requests

One of the most common tricks works like this: you receive a message claiming that a contact now has a new bank account and asking you to pay there from now on. A valid SWIFT code says nothing about who owns the account.

Always confirm changed bank details through a phone call on a number you know, not one from the message. Pressure and requests to keep it quiet tend to be red flags – a real supplier can wait a day. Already paid? Call your bank without delay and have them start a recall and report the fraud.

Scams can also target the receiver: someone sends too much and wants you to return the difference. Do not act before the money is actually in your account.

Choosing between the 4 SWIFT codes of Habib Bank Zurich (Hong Kong) Limited

We have 4 SWIFT/BIC codes for Habib Bank Zurich (Hong Kong) Limited, spread over 1 cities. Besides the head office code HFLIHKHHXXX, you will find codes for regional offices and specialised units.

Usually there is no need to look up a branch: payments addressed to HFLIHKHHXXX are routed within Habib Bank Zurich (Hong Kong) Limited correctly. When you receive a specific code, stick to it rather than replacing it for the head office code.

The best way is to copy the code directly from the account holder’s invoice. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.