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

SWIFT/BIC codes in Hong Kong SAR China

For Hong Kong SAR China we have 1362 SWIFT/BIC codes. A SWIFT code shows every bank in the chain exactly which bank should receive the money.

Choose the bank from the list to see its head office code and any branch codes, plus practical notes for sending and receiving money. The rest of this page covers the structure of the codes, the cost of transfers and how to avoid mistakes.

Bank or transfer service for Hong Kong SAR China?

An international bank payment to Hong Kong SAR China often costs rather more than the fee suggests. Besides the fee, correspondent banks may take a cut and, if currencies are converted, the bank often uses a less favourable rate than the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee. Check the bank’s rate with the mid-market rate, the midpoint you see on financial news sites.

Money transfer services frequently offer a rate near the mid-market rate. Before your next transfer to Hong Kong SAR China, take a minute to compare the total cost on GoldexPay instead of going straight to your bank.

About our data and how to check a code

The most reliable place for the right code is paperwork issued by the bank, such as a statement or the account page in online banking. A wrong code may lead to a delay, a payment being sent back or additional charges.

We gather SWIFT/BIC codes using publicly available data and check them from time to time. Still, banks merge or retire codes and our data may lag behind. For a payment of any size, confirm the code with the recipient’s bank. GoldexPay is a comparison service for money transfers, not a bank.

Fraudsters often use fake invoices with changed bank details that look completely genuine. A real SWIFT code tells you nothing about who owns the account.

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

This filter narrows the list down to banks from Hong Kong SAR China that begin with :letter, so you can find a bank faster. The totals mentioned here cover every bank we list, not just the ones under :letter.

Many institutions appear under their official name. The complete list remains available if you cannot find the bank here.

Hongkong and Shanghai Banking Corporation Limited, The and its SWIFT codes

Hongkong and Shanghai Banking Corporation Limited, The leads the list of Hong Kong SAR China banks when it comes to SWIFT/BIC codes. The head office of Hongkong and Shanghai Banking Corporation Limited, The has HSBCHKHHXXX; that is usually the right code for a transfer.

A large number of codes often means separate codes for branches, departments or services – it says nothing about the size of the bank as such. If not a branch code is given, the head office code HSBCHKHHXXX works for transfers to this bank.

The Hong Kong Dollar (HKD) and conversion costs

Hong Kong SAR China pays in the Hong Kong Dollar. If you send money in a different currency, it has to be converted at some point – by your bank, a bank in between or the recipient’s bank.

Which bank converts the payment matters: every bank has its own margin. Compare what HKD the recipient gets via several services before choosing one. On larger amounts, even a small difference in the rate can be worth more than the fee.

SWIFT transfers to Hong Kong SAR China

Since Hong Kong SAR China does not belong to SEPA, a transfer from abroad is usually sent as a SWIFT payment. That means you always need the SWIFT/BIC code of the receiving bank.

Depending on the country, accounts are identified by a local account number instead of an IBAN. The receiving bank often has instructions for payments from abroad, and it is worth following them to the letter. On the way to Hong Kong SAR China, a transfer can go through intermediary banks that take a fee.

Recognising a SWIFT code from Hong Kong SAR China

A BIC is 8 or 11 characters long and follows a fixed pattern. The first four letters identify the bank, the fifth and sixth characters are the country code and characters seven and eight mark the location.

No matter which bank, all Hong Kong SAR China codes have the same fifth and sixth letters. A code with other letters in that position come from another country.

The last three characters, if present, stand for a branch or department; XXX is used for the head office. Use a branch code just when the recipient explicitly gives you one; otherwise the head office code is the safe choice.

Receiving money in Hong Kong SAR China from abroad

If you are waiting for a payment from another country on an account in Hong Kong SAR China, send the payer all details at once. Share your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. You can include your bank’s name and city.

The amount you receive can be lower than what was 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. On invoices, state how the fees are split to avoid a shortfall.

Tracking a payment to Hong Kong SAR China

How fast a payment arrives in Hong Kong SAR China depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Public holidays in Hong Kong SAR China or in the sending country add a day or more to the journey.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each payment gets a unique transaction reference, the UETR that banks can use to see where the money is. Keep your transfer receipt until the money has arrived; a bank needs it to start a trace.