Industrial Bank Co., LTD. Hong Kong Branch SWIFT/BIC code

SWIFT/BIC code of Industrial Bank Co., LTD. Hong Kong Branch

FJIBHKHH and FJIBHKHHXXX are the short and the long form of the same SWIFT/BIC code, and both point to Industrial Bank Co., LTD. Hong Kong Branch in Hong Kong. A SWIFT code tells the banks handling a payment which institution should receive the money, much like a postcode for banks. It comes up mainly when dealing with payments that cross a border or a currency.

Further down you will find the practical questions: receiving money at Industrial Bank Co., LTD. Hong Kong Branch, sending money abroad and how to verify the code before you hit send. A SWIFT code names a bank or branch, not a single account.

When will the money arrive at Industrial Bank Co., LTD. Hong Kong Branch?

There is no single answer for international payments: many arrive the same day or the next, others take several business days. Transfers sent after the cut-off time or on a weekend or public holiday often go out the next business day. Sometimes a bank asks what the payment is for.

When a payment takes longer than expected, contact the sending bank for the tracking status. Keep your transfer receipt until the recipient confirms.

If the money does not arrive within the expected time, the person who paid needs to contact the bank that sent it, not the receiving bank. Ask the sender for a copy of the payment confirmation including the reference.

Paying into Industrial Bank Co., LTD. Hong Kong Branch in HKD

The currency in Hong Kong SAR China is the Hong Kong Dollar (HKD). If you send another currency gets converted at some point: by your bank, an intermediary or Industrial Bank Co., LTD. Hong Kong Branch itself. There is rarely a separate line for the conversion – the cost sits in the rate.

Where the conversion happens affects the final amount, since every bank sets its own rate. Transferring the amount already in HKD often avoids a second conversion at the receiving end, provided the rate you get is fair.

The rate for HKD changes throughout the day. On larger amounts, a small gap in the rate adds up quickly.

Paying someone abroad from your Industrial Bank Co., LTD. Hong Kong Branch account

When you send money abroad through Industrial Bank Co., LTD. Hong Kong Branch, the visible fee is rarely all of the cost. There is the transfer fee, possibly charges from correspondent banks in between and, above all, the exchange rate markup if the currency changes.

Many banks do not show the margin on the rate as a cost. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites.

For many currency pairs, a transfer service is less expensive than a traditional bank transfer. GoldexPay compares what recipients receive across services, which makes the cheapest option easy to spot. You can always keep your account at Industrial Bank Co., LTD. Hong Kong Branch as the source of the money; only the conversion and sending happen elsewhere.

Industrial Bank Co., LTD. Hong Kong Branch: head office code versus branch codes

Our directory lists 2 SWIFT/BIC codes for Industrial Bank Co., LTD. Hong Kong Branch, spread over 1 locations. Besides the head office code FJIBHKHHXXX, you will find codes for individual branches and departments.

In most cases you do not need to look up a branch: payments addressed to FJIBHKHHXXX reach Industrial Bank Co., LTD. Hong Kong Branch correctly. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

When in doubt, ask the person you are paying which code their bank gave them. Codes for branches are more likely to change than FJIBHKHHXXX when a bank merges or closes offices.

About this information

We gather bank codes from public sources and update them regularly. Institutions merge, change names and retire codes – a directory can be a step behind. Figures such as the number of codes come from our directory and are not confirmed by Industrial Bank Co., LTD. Hong Kong Branch.

Before any payment that matters, confirm the BIC with Industrial Bank Co., LTD. Hong Kong Branch or with the recipient. GoldexPay has no connection to Industrial Bank Co., LTD. Hong Kong Branch; we are a comparison site for money transfers. Spotted outdated information? Let us know through the contact page so we can correct it.

Receiving money from abroad at Industrial Bank Co., LTD. Hong Kong Branch

When you expect a payment from another country, send the payer a complete set of details. Give them your name as the bank knows it, the IBAN or account number, SWIFT code FJIBHKHHXXX and your address, which some banks require.

You can add the bank name and Hong Kong as well. Check every detail before you send them, because the sender’s bank usually copies them as is.

What lands in your account can be lower than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. Make clear with the sender who covers the fees.

FJIBHKHH or FJIBHKHHXXX – which one to use?

The structure of every SWIFT code never changes: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. For Industrial Bank Co., LTD. Hong Kong Branch, that core is FJIBHKHH.

XXX at the end of FJIBHKHHXXX does not stand for a placeholder or an error: it indicates the main office of Industrial Bank Co., LTD. Hong Kong Branch. Certain payment forms ask for 11 characters, in which case you can add XXX after FJIBHKHH.

In practice the code is written in capitals. Copying the code is safer than retyping it.

Scams that use SWIFT codes

Be alert when a contact suddenly wants you to pay into a different account or a bank in another country. That FJIBHKHH is a real code is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Do not rely on a phone number in the same message that announces the change. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Contact your bank straight away and ask them to 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. A screenshot of a transfer proves nothing.

Is FJIBHKHH still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. When the code you were given differs from FJIBHKHH or FJIBHKHHXXX, stop and ask: check with the recipient or with Industrial Bank Co., LTD. Hong Kong Branch directly.

Errors in the BIC are annoying more than fatal. A mistake in the IBAN or account number can be more serious; check it just as carefully.

An automatic check by your bank only confirms that the code exists – not that it belongs to the person you mean to pay. Where available, a name check on the recipient adds an extra layer of safety. For a first payment, some people send a small amount first.