Icici Bank LTD SWIFT/BIC code

SWIFT/BIC code of Icici Bank LTD

ICICHKHH and ICICHKHHXXX are the short and the long form of the same SWIFT/BIC code, and both lead to Icici Bank LTD in Hong Kong. The code does one job: it makes sure that an international payment ends up at the right bank. In practice you mostly see it on international invoices, in payment forms and in the bank details of Icici Bank LTD customers.

We wrote this page to help people who receives money at an account at Icici Bank LTD. The SWIFT code alone does not identify a personal account; for that you need the IBAN or account number is for.

Watch out for payment fraud

Be alert when someone unexpectedly asks you to send money to a different account. That ICICHKHH is a real code does not mean that a request mentioning it is genuine.

Verify changed bank details via a different channel, such as a phone number you already know, not by replying to the message. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Already paid? Contact your bank without delay and have them start a recall and report the fraud.

Fraud also work the other way: someone claims to have sent too much and wants you to refund the difference to a new account. Wait until the money has really arrived.

The Hong Kong Dollar and what conversion costs you

Accounts at Icici Bank LTD are usually held in HKD, the local currency of Hong Kong SAR China. Money sent in a different currency will be converted into HKD on its way to Icici Bank LTD. There is rarely a separate line for the conversion – the cost sits in the rate.

Who converts the money matters. Compare what HKD arrives via different providers.

Rates for HKD move during the day. For regular payments, small differences in the rate add up over a year.

How long does an international transfer to Icici Bank LTD take?

There is no single answer for every transfer: some land within a day, others take several business days. Transfers sent after the cut-off time or just before a weekend or public holiday often go out the next business day. Occasionally a bank asks what the payment is for, which can hold things up.

Many banks use SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services usually provide tracking online showing where the money has got.

If a payment has not arrived within the expected time, the person who paid needs to start with their own bank rather than Icici Bank LTD. Request from the sender the payment receipt with the date and reference.

What a transfer from Icici Bank LTD abroad really costs

When you send money to another country via Icici Bank LTD, the visible fee is only part of what you pay. On top of the transfer fee, banks in between can take a cut, and if the money changes currency, the bank usually applies a rate that is less favourable than the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts at a rate with a margin built in. Compare their rate with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. GoldexPay lists transfer providers next to each other so you can see what actually arrives for the same amount sent. You can always use your account at Icici Bank LTD as the source of the money.

Icici Bank LTD: head office code versus branch codes

Our database contains 8 SWIFT/BIC codes for Icici Bank LTD in 1 places. Next to the head office code ICICHKHHXXX, there are codes for regional offices and specialised units.

For most incoming transfers, the head office code ICICHKHHXXX works fine. If you have been given a branch code, stick to it rather than replacing it with the head office code.

Not sure which code applies? Ask the recipient or the bank itself. Codes for branches are more likely to be retired than ICICHKHHXXX when a bank merges or closes offices.

A note on our data

The codes on this page come from public sources. It is possible that information here is no longer current. The figures on this page are based on what is in our directory and not on information from Icici Bank LTD itself.

Treat the information here as a handy check. GoldexPay is independent of Icici Bank LTD; we are a comparison site for money transfers. Should you notice something that is out of date, we welcome a message.

What to give a sender who pays you at Icici Bank LTD

A sender in another country will ask for a few details about your account – incomplete details often cause delays. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC ICICHKHHXXX and sometimes your address.

Certain banks also ask for the name and address of Icici Bank LTD, so keep it at hand. A typo in your account number can be more trouble than you might think, so copy the details from your online banking.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments differ per bank – the price list of Icici Bank LTD tells you what applies. For business payments, it is common to state how the fees are split, so that nobody is left short.

What the XXX in ICICHKHHXXX means

The structure of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location. The result is ICICHKHH, the short form of the code.

The full 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.

Leave out spaces when you enter ICICHKHH; the code is always written in one block. A single character can send the money to another bank, so check it twice.

Verifying the SWIFT code of Icici Bank LTD

Have the recipient send you their bank details straight from their banking app. When the code you were given differs from ICICHKHH or ICICHKHHXXX, stop and ask – contact the recipient or Icici Bank LTD.

An incorrect BIC may lead to a delay, a returned payment or additional charges. A mistake in the account number can be a bigger problem, because the money may be credited to someone else.

Most online banking apps check the structure of an IBAN and sometimes look up the BIC automatically. Some banks now check the name against the account. For a first payment, many people send a small test amount.