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

Hong Kong SAR China: banks and their SWIFT/BIC codes

Our directory contains 1158 banks and other institutions in Hong Kong SAR China and 1362 SWIFT/BIC codes between them. A BIC shows every bank in the chain exactly which bank is meant to get the money.

Search for the recipient’s bank below and open its page for all codes we have and the details a transfer needs. The sections below explain the structure of the codes, what transfers cost and how to avoid mistakes before a payment.

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

In our directory, Hongkong and Shanghai Banking Corporation Limited, The holds the largest number of SWIFT/BIC codes in Hong Kong SAR China. The head office of Hongkong and Shanghai Banking Corporation Limited, The uses HSBCHKHHXXX; that is usually the right code for a transfer.

Practice differs in whether they register branch codes, so the count is not a ranking of size. Paying someone at Hongkong and Shanghai Banking Corporation Limited, The? Use HSBCHKHHXXX unless a specific branch code is requested.

How long does a transfer to Hong Kong SAR China take?

How quickly a payment reaches Hong Kong SAR China depends on a few things: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made after the cut-off time or just before weekends and holidays usually go out the next business day.

A growing number of banks use SWIFT gpi. Every payment carries a unique reference, the UETR that banks can use to see where the money is. Money transfer services usually show tracking in their app, which makes it easier to see where the money is.

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

When you are waiting for money from abroad on an account in Hong Kong SAR China, send the payer all details at once. Share the account holder’s name, the IBAN or account number, the BIC of your bank and your address, which some banks require.

Your bank’s code appears in our list. You can include your bank’s name and city as well because some forms have separate fields for it.

Expect that the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank; check the price list of your bank. For business payments, agree how the fees are split, so nobody is left short.

What a transfer to Hong Kong SAR China really costs

What you pay for a payment to Hong Kong SAR China is made up of several parts, and the fee on your screen is only one of them. There is the transfer fee, possibly fees from correspondent banks along the way and, above all, the exchange rate markup if the money is converted.

That exchange rate margin is often the biggest cost item, even though it is not listed as a fee. An easy check: set the offered rate next to the mid-market rate and work out the difference on your amount.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay compares the amount that arrives in Hong Kong SAR China across providers, which makes the cheapest option easy to spot.

Recognising a SWIFT code from Hong Kong SAR China

A BIC is 8 or 11 characters long. Characters one to four stand for the bank, the fifth and sixth characters are the country code and characters seven and eight mark the location.

Whatever the bank, all Hong Kong SAR China codes share the same country code in positions five and six: the ISO code of the country. If those two letters point to another country, the code belongs to a bank somewhere else, so check again.

An 11-character code adds three characters for a branch – XXX stands for the head office. Choose a branch code just if the recipient explicitly gives you one – otherwise stick with the head office.

Paying in HKD: what conversion costs you

The currency of Hong Kong SAR China is the Hong Kong Dollar (HKD). A payment in a foreign currency is converted into HKD – and the bank that does it picks the rate.

Who converts the money matters: every bank has its own margin. Compare what HKD arrives via different services; the difference between options can be larger than you expect. With bigger transfers, a seemingly small difference in the rate adds up quickly.

Paying a bank in Hong Kong SAR China from abroad

Hong Kong SAR China is not part of the SEPA area. Payments from abroad normally travel over the SWIFT network – which is why you need the BIC of the recipient’s bank.

Not every country uses the IBAN; in that case the local account number is used instead. The recipient’s bank often has instructions for payments from abroad – follow them exactly. International transfers sometimes go via correspondent banks.

Check the code before you pay

Ask the recipient to copy their bank details straight from their online banking. A wrong code can cause a delay, a returned payment or extra fees – compare it with the code in our list.

We collect SWIFT/BIC codes using public sources and check our list regularly. Institutions reorganise, close branches and retire codes – a directory can be a step behind. Before any payment of any size, check the code with the recipient’s bank. We are an independent comparison service for money transfers, not a bank.

Watch out for invoices with a new account – a common fraud method. A valid BIC says nothing about who owns the account: criminals use real codes too.

Banks in Hong Kong SAR China beginning with the letter :letter

The letter filter narrows the list down to banks from Hong Kong SAR China that begin with :letter. The totals mentioned here cover all 1158 banks.

Some banks are listed under their legal name rather than the name on their app or website. The full overview for Hong Kong SAR China remains one click away if you cannot find the bank here.