Macquarie Capital Limited SWIFT/BIC code

Macquarie Capital Limited SWIFT code: BSHLHKHH

BSHLHKHH and BSHLHKHHXXX are the short and the long form of the same SWIFT/BIC code, and both point to Macquarie Capital Limited in Hong Kong. The code has a single purpose: it ensures that an international payment reaches the right bank. You will need it mainly when dealing with payments that cross a border.

On this page you can read what the code means, when it matters and which other details a transfer to or from Macquarie Capital Limited requires. Remember that the BIC only identifies the bank, not the account: the IBAN or account number takes care of that.

How to check BSHLHKHH before you pay

Have the recipient send you their account details straight from their online banking. Compare it with BSHLHKHH here.

With a wrong code, the transfer might get stuck, be returned or end up costing more, and tracing it can take weeks. Remember the IBAN: a mistake there can be more difficult to correct than a wrong code.

Many banking apps check the format of IBANs. Some banks now compare the name with the account; take any warning seriously. A small test payment is worth it for large sums despite the extra fee.

Choosing between the 7 SWIFT codes of Macquarie Capital Limited

Macquarie Capital Limited uses 7 separate SWIFT/BIC codes. One of them is the head office code; the rest belong to branches, and sometimes specific services.

For most payments to a private or business account, the head office code BSHLHKHHXXX works fine. If you have been given a specific code, use it as it is rather than replacing it for the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are more prone to be retired than BSHLHKHHXXX.

About this information

We gather SWIFT/BIC codes using public sources and update them regularly. It is possible that a code here is out of date. The number of codes we show reflect what is in our directory and not on information from Macquarie Capital Limited itself.

For a payment that matters, always check the code with the recipient’s bank or the recipient. GoldexPay is a comparison site and not affiliated with Macquarie Capital Limited. Should you notice something that is out of date, we appreciate a message.

The Hong Kong Dollar and what conversion costs you

Hong Kong SAR China pays in the Hong Kong Dollar, code HKD. Money sent in a different currency will be converted into HKD on its way to Macquarie Capital Limited, and whoever converts it chooses the rate. There is rarely a separate line for that conversion.

Which bank converts the payment makes a difference: every bank has its own margin. Compare how much HKD the recipient gets via several providers before choosing one.

The rate for HKD changes constantly and quotes are often valid only for a short time. With bigger transfers, even small difference in the rate can be worth more than the fee.

Paying someone abroad from your Macquarie Capital Limited account

What you pay for a payment abroad has several parts, and the transfer fee is only the most visible one. On top of a fixed fee, banks in between may take a cut, and if the money changes currency the bank often applies a rate that is less favourable than the real market rate.

The markup on the rate is often the biggest item because it is hidden in the rate. A simple test: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate with clearer fees. GoldexPay compares what recipients receive with different providers, which makes the cheapest option easy to spot. You can still keep your account at Macquarie Capital Limited to fund the transfer, while a cheaper service handles the conversion.

Changed bank details? Be careful

One of the most common tricks works like this: an email arrives with a request saying that a contact now has new bank details and that the next payment should go there. The fact that BSHLHKHH exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Always confirm changed bank details through a phone call. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Contact the bank you paid from straight away and have them try to recall the payment.

Recipients are targeted too: one known trick is a buyer who pays too much followed by a request to refund the difference to another account. Wait until the money is actually in your account – ask Macquarie Capital Limited if something looks wrong.

Receiving money from abroad at Macquarie Capital Limited

A sender in another country will ask for several details from you. Give them the account holder’s name, the IBAN or account number, the BIC BSHLHKHHXXX and your address.

It helps to add Macquarie Capital Limited and its city too. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

Money from abroad does not always land for the full amount. Fees for incoming transfers differ from bank to bank. Make clear with the sender who covers the fees, especially for larger amounts.

What the XXX in BSHLHKHHXXX means

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and two characters for the location. Together, these eight characters form BSHLHKHH.

Most banks and apps accept both lengths. If a form requires eleven characters, use BSHLHKHHXXX; if it wants eight, use BSHLHKHH.

As a rule the code is written in capitals and without spaces. A single letter may route a payment to another bank, so copy it carefully.

Tracking a transfer to or from Macquarie Capital Limited

How fast a transfer reaches Macquarie Capital Limited is determined by several factors: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Weekends and public holidays in either country can add extra days. Sometimes a bank wants to know what the payment is for before releasing it.

If the money seems late, contact the sending bank for the tracking status and the transaction reference. Money transfer services often show tracking online so you can see where the payment has got.

If the money does not arrive after a few business days, the person who paid should contact the bank that sent it, not the receiving bank. Ask the sender for the payment receipt including the reference – it helps your own bank look for the money.