Mizuho Bank, LTD. Hong Kong Branch SWIFT/BIC code

Mizuho Bank, LTD. Hong Kong Branch SWIFT code: MHCBHKHH

Whether a recipient gives you MHCBHKHH or MHCBHKHHXXX, you are looking at the identical identifier for Mizuho Bank, LTD. Hong Kong Branch in Hong Kong SAR China. A BIC does one job: it ensures that an international payment reaches the right bank. You will need it mostly when dealing with transfers between countries and payments in foreign currencies.

This page is meant to help people who receives money at an account at Mizuho Bank, LTD. Hong Kong Branch and wants to get the details right. The SWIFT code on its own cannot identify an individual account holder; for that you need the account number or IBAN .

How long does an international transfer to Mizuho Bank, LTD. Hong Kong Branch take?

How fast a payment arrives at Mizuho Bank, LTD. Hong Kong Branch depends on several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Payments made late in the day or just before weekends and holidays usually go out a business day later. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

A growing number of banks are connected to SWIFT gpi. Every payment gets a unique transaction reference, the UETR. Money transfer services often show a status online so you can see where the money has got.

If the money does not arrive within the expected time, the person who paid should start with the bank that sent it, not the receiving bank. Request from the sender the payment receipt including the reference – it helps your own bank look for the money.

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

A sender in another country needs several details about your account, and missing ones are a common cause of delays. Give them your name as the bank knows it, the IBAN or account number, SWIFT code MHCBHKHHXXX and your address.

Certain sending banks want the name and address of Mizuho Bank, LTD. Hong Kong Branch, so keep it at hand. A mistake in the IBAN can be harder to fix than you might think.

Do not be surprised if the amount credited is smaller than what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. Agree with the sender who pays which costs before the money is sent.

8 or 11 characters: MHCBHKHH versus MHCBHKHHXXX

The layout of every SWIFT code never changes: a bank code of four letters, two for the country and two for the location. The result is MHCBHKHH, the short form of the code.

Most payment forms work with both lengths. If a form requires eleven characters, enter MHCBHKHHXXX; if it wants eight, use MHCBHKHH.

Do not add spaces or dashes when you enter MHCBHKHH or MHCBHKHHXXX. Watch for O versus 0 or the letter I and the digit 1, a common source of typos.

International transfers from Mizuho Bank, LTD. Hong Kong Branch: the real cost

What you pay for a payment abroad has more than one component – not just the fee on your screen. Besides the transfer fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency the bank often applies a rate below the actual market rate.

The real cost is often in the rate: the bank converts using an exchange rate that includes a margin. A simple test: set the bank’s rate against the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider turns out to be cheaper than a bank – mostly thanks to the rate. GoldexPay compares these services side by side so you can see the amount the recipient gets for the same amount sent. You can always use your account at Mizuho Bank, LTD. Hong Kong Branch to fund the transfer, while a cheaper service handles the conversion.

How up to date is this code?

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. It can happen that a code on this page is no longer current. The number of codes we show are based on what is in our directory, not official figures from Mizuho Bank, LTD. Hong Kong Branch.

See our directory on this page as a handy check and rely on the recipient or Mizuho Bank, LTD. Hong Kong Branch for the final confirmation. GoldexPay has no connection to Mizuho Bank, LTD. Hong Kong Branch, we only compare transfer services. If you notice a mistake, we welcome a message via the contact page.

Choosing between the 2 SWIFT codes of Mizuho Bank, LTD. Hong Kong Branch

Our directory lists 2 SWIFT/BIC codes for Mizuho Bank, LTD. Hong Kong Branch. Besides the head office code MHCBHKHHXXX, there are codes for individual branches and departments.

In most cases you do not need to pick a branch: payments addressed to MHCBHKHHXXX reach Mizuho Bank, LTD. Hong Kong Branch correctly. If you have been given a specific code, use it as it is rather than replacing it with the head office code.

The best way is to copy the code directly from the account holder’s bank details. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Protect yourself against fake payment requests

Criminals regularly use payment requests containing changed bank details, sometimes in an email that looks completely genuine. The fact that MHCBHKHH exists is no guarantee that the account is genuine.

Never rely on a phone number from the same email that announces the new account. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. When a payment was sent to a fraudster, call your bank right away.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference. Do not act before the money is actually in your account.

Paying into Mizuho Bank, LTD. Hong Kong Branch in HKD

The national currency in Hong Kong SAR China is the Hong Kong Dollar (HKD). When you pay another currency, the amount has to be converted somewhere along the way. You rarely see a separate line for the conversion – the cost sits in the rate.

Where the conversion happens affects how much arrives. In many cases it is cheaper to send HKD directly through a transfer service with a good rate rather than letting the receiving bank convert.

Exchange rates move all the time, and some providers let you lock in a rate. On larger amounts, a small gap in the rate adds up quickly.

Is MHCBHKHH still correct? How to check

The most reliable source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. If the code you have differs from MHCBHKHH or MHCBHKHHXXX, do not guess: check with the recipient or with Mizuho Bank, LTD. Hong Kong Branch directly.

A wrong SWIFT code can cause delays, a returned payment or extra fees along the way. An error in the IBAN or account number is more serious because it can reach the wrong person, so check that just as carefully.

A format check by your bank merely tells you that the IBAN is valid. If your bank offers it, a payee name check before sending gives an extra layer of safety. When you pay someone new, many people start with a small test amount and wait for confirmation.