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

SWIFT/BIC codes in Hong Kong SAR China

On this page you find the SWIFT/BIC codes of 1158 banks in Hong Kong SAR China. A SWIFT code shows every bank in the chain exactly which bank is meant to get the money.

Choose the bank from the list to see its head office code and its other codes, plus practical notes for sending and receiving money. Below the list we explain how codes from Hong Kong SAR China are built, how to send money there at a fair price and what to check before you pay.

How SWIFT codes from Hong Kong SAR China are built

SWIFT/BIC codes use the same format worldwide: eight characters, sometimes followed by three more. It starts with a four-letter bank code, followed by a two-letter country code and two characters for the location.

Whatever the bank, all Hong Kong SAR China codes have the same country code in positions five and six. A code with other letters in that position belong to a bank abroad.

When a code ends in XXX, it means the head office, and the 8-character version leads to the same place. For most transfers the head office code is fine unless the recipient asks for a specific branch.

Banks in Hong Kong SAR China starting with :letter

This page shows only the banks in Hong Kong SAR China beginning with :letter. The totals mentioned above still refer to all banks in Hong Kong SAR China, not just this letter.

Bank not listed? The registered name might start with a different letter, for example the full legal name rather than a brand name. Use the full list for Hong Kong SAR China if you do not know the exact name.

Verifying a SWIFT code from Hong Kong SAR China

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a statement or their online banking. When the code you were given differs from the code listed here, do not guess.

We gather SWIFT/BIC codes using public sources and check them from time to time. Still, banks merge, rename themselves or change codes, so information can be out of date. For a payment that matters, confirm the BIC with the recipient’s bank. GoldexPay is not a bank.

Fraudsters often send payment requests with new bank details. A valid BIC says nothing about whether a request is genuine – scammers use the codes of real banks.

The largest SWIFT network in Hong Kong SAR China: Hongkong and Shanghai Banking Corporation Limited, The

Among the 1158 institutions we list, Hongkong and Shanghai Banking Corporation Limited, The holds the largest number of SWIFT/BIC codes of all banks in Hong Kong SAR China. The head office of Hongkong and Shanghai Banking Corporation Limited, The uses HSBCHKHHXXX; that is usually the right code for a transfer.

How many codes a bank has says something about how it organises its payments than about its size. Unless the recipient asks for a branch, the head office code HSBCHKHHXXX works for transfers to this bank.

Bank or transfer service for Hong Kong SAR China?

What you pay for a transfer to Hong Kong SAR China is made up of several parts. Besides the fee, intermediary banks can deduct a charge, and when the money is converted the bank usually uses a less favourable rate than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee. Check the rate you are offered against the mid-market rate, the midpoint you see on financial news sites.

For many currency pairs, a transfer service is less expensive than a bank – mostly thanks to the exchange rate. Before you send money to Hong Kong SAR China, take a minute comparing what arrives on GoldexPay.

Incoming international payments in Hong Kong SAR China

When you are waiting for money from abroad on an account in Hong Kong SAR China, give the sender all details at once. In practice that means: your name as your bank knows it, your account number or IBAN, the BIC of your bank and, often, your address.

Find the bank in the list on this page and compare the code with your own bank details. Some sending banks may also want the name and address of your bank; it does no harm to include it.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, and if the money is converted, a markup on the rate comes on top. On invoices, agree how the fees are split to avoid a shortfall.

Paying in HKD: what conversion costs you

Hong Kong SAR China uses the Hong Kong Dollar. A payment in a foreign currency will be exchanged into HKD.

Which bank converts the payment makes a difference: every bank has its own margin. Often it is cheaper to send HKD directly via a provider with a good rate so the receiving bank does not need to convert again. Exchange rates change during the day, so a quote is usually valid only briefly.

SWIFT transfers to Hong Kong SAR China

Since Hong Kong SAR China is outside SEPA, a transfer from abroad is usually sent as a SWIFT payment. This means you always need the SWIFT/BIC code of the recipient’s bank, together with the account number or IBAN.

Not all countries use the IBAN; in that case the local account number is used instead. Check with the recipient which details their bank needs for incoming international payments; banks often publish instructions for this. Before it arrives, a transfer can go through correspondent banks that charge for their part.

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 while others need several business days. Payments made late in the day or on a weekend or public holiday often go out the next business day.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each payment gets a unique transaction reference, the UETR. Specialist transfer services usually provide tracking in their app.