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

Bank SWIFT codes for Hong Kong SAR China

This directory covers 1158 banks and other institutions in Hong Kong SAR China, with 1362 SWIFT/BIC codes in total. You need a SWIFT/BIC code mainly for international transfers, and especially for payments in foreign currencies.

Each bank is listed with its own page showing its main code and, where available, codes for branches and departments. The sections below explain how the codes work, the cost of transfers and the checks worth doing before a payment.

Sending money to Hong Kong SAR China for less

If you send money to Hong Kong SAR China through your bank, the fee you see is rarely all of the cost. There is a transfer fee, possibly fees from correspondent banks along the way and, above all, the margin on the exchange rate when currencies differ.

The real cost is often in the rate, not in the fee. An easy check: put the offered rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a transfer service is less expensive than a traditional bank transfer. On GoldexPay we compare the amount that arrives in Hong Kong SAR China with different providers.

Transfer times to Hong Kong SAR China

There is no fixed answer for payments to Hong Kong SAR China: many arrive the same day or the next. Public holidays in Hong Kong SAR China or in the sending country can add extra days to the journey.

If the money seems delayed, the sender should contact the sending bank and ask for the status or the UETR. Keep the payment confirmation until the money has arrived – you will need it if something goes wrong.

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

Of the 1158 banks in Hong Kong SAR China, Hongkong and Shanghai Banking Corporation Limited, The has the most codes. Its head office code is HSBCHKHHXXX, which is the code to use when no branch is specified.

How many codes a bank has says more about how it organises its payments than about its size. Unless a branch code is given, the head office code HSBCHKHHXXX works for a payment to Hongkong and Shanghai Banking Corporation Limited, The.

Paying in HKD: what conversion costs you

Bank accounts in Hong Kong SAR China are typically held in HKD, the local currency. When you pay another currency, it gets converted somewhere along the way: by your bank, an intermediary or the receiving bank.

Who converts the payment matters, because each party uses its own rate. Check what HKD the recipient gets with different providers. On larger amounts, even a small difference in the rate can be worth more than the fee.

What a sender needs to pay you in Hong Kong SAR China

A sender in another country will ask for a few details from you. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code of your bank and sometimes your address.

Look up the bank in the list above and compare the code with your own bank details – your bank statement is the final word. You can include your bank’s name and city because some forms have separate fields for it.

Expect that the incoming amount is smaller than what the sender paid. Correspondent banks can take a fee, and if the money is converted, a markup on the rate applies. On invoices, state who bears the costs, so nobody is left short.

Filter: banks in Hong Kong SAR China with :letter

You are looking at a selection: only institutions in Hong Kong SAR China with a name starting with :letter. The counts in the introduction always refer to the whole country and not only this selection.

If the bank you need is missing here, try another letter: banks are often registered under their full legal name. Use the full list for Hong Kong SAR China when you do not know how the name is spelled.

How reliable is this list?

The best place to find the correct BIC is paperwork issued by the bank. When the code you were given does not match the code listed here, do not guess: check with the recipient or the bank.

We gather bank codes from publicly available data and check them regularly. Banks reorganise, change names and retire codes, and no directory catches every change immediately. Treat our data as a reference. We are a comparison service and not part of any bank listed here.

Watch out for payment requests containing a new account, especially when they come by email. Always confirm a change of bank details through a separate channel.

Paying a bank in Hong Kong SAR China from abroad

Because Hong Kong SAR China does not belong to SEPA, an international payment normally goes as a SWIFT payment. This means the payment always needs the BIC of the receiving bank.

In some countries, the account is identified by a local account number instead of an IBAN. The recipient’s bank often provides instructions for payments from abroad – follow them exactly. Before it arrives, a payment can go through correspondent banks that charge for their part.

What the letters in a Hong Kong SAR China BIC mean

A SWIFT code is 8 or 11 characters long and the parts always come in the same order. Characters one to four stand for the bank, characters five and six are the country code and characters seven and eight give the location.

In every code from Hong Kong SAR China, letters five and six show the ISO country code of Hong Kong SAR China, which makes these codes easy to recognise. When those two letters do not match Hong Kong SAR China, you are looking at a bank somewhere else – worth double-checking.

When a code ends in XXX, it refers to the head office and the short version works just as well. In most cases the head office code is what you need.