National Bank of Pakistan Hong Kong SWIFT/BIC code

National Bank of Pakistan Hong Kong SWIFT code: NBPAHKHH

If an invoice shows NBPAHKHH or NBPAHKHHXXX, it is the same identifier for National Bank of Pakistan Hong Kong in Hong Kong SAR China. A SWIFT code shows the banks handling a payment which institution should receive the money, much like a postcode for banks. In practice you mostly see it on invoices from abroad, in payment forms and on the account details that National Bank of Pakistan Hong Kong provides.

On this page you can read what the code is put together, when you need it and which other details you need for a transfer to or from National Bank of Pakistan Hong Kong. The SWIFT code on its own cannot identify an individual account holder; for that you need the account number or IBAN is for.

Head office or branch code at National Bank of Pakistan Hong Kong?

With 2 codes, National Bank of Pakistan Hong Kong belongs to the banks that use separate codes for parts of the organisation and departments. The head office code is NBPAHKHHXXX.

If nobody asks you for a branch code, go with NBPAHKHHXXX or its short form NBPAHKHH. Branch codes are only needed if the recipient’s bank specifically mentions it.

When in doubt, check with the recipient which code their bank gave them. Codes are sometimes changed or retired when banks reorganise.

Tracking a transfer to or from National Bank of Pakistan Hong Kong

A SWIFT payment usually needs one to a few business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country can add a day or more, since banks do not process on those days. Compliance checks by one of the banks can also add a delay, even when all details are correct.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique reference, the UETR. Specialist transfer services usually provide a status online so you can see where the money has got.

A missing payment is investigated from the sending side. Request from the sender a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

What the XXX in NBPAHKHHXXX means

A BIC is made up of a few fixed parts: the first four letters identify the bank, characters five and six show the country and characters seven and eight mark the location. That gives you NBPAHKHH.

Many banks and apps accept either length. If a form requires eleven characters, enter NBPAHKHHXXX.

Type the code as one block, in upper case and without separators, exactly as shown here. Pasting the code is safer than retyping it, because one wrong letter changes the bank.

Hong Kong Dollar (HKD) and conversion costs

The local currency in Hong Kong SAR China is the Hong Kong Dollar (HKD). Money sent in a different currency is converted into HKD – and the bank that does it picks the rate. There is rarely a separate line for the conversion.

Which bank converts the payment matters: every bank has its own margin. Transferring the money directly in HKD often avoids a second conversion by National Bank of Pakistan Hong Kong.

Rates for HKD move all the time. For recurring payments, small differences in the rate add up over time.

Getting paid from abroad into a National Bank of Pakistan Hong Kong account

If you are waiting for a payment from another country, send the payer everything they need in one go. That means: your name as registered with National Bank of Pakistan Hong Kong, your IBAN or account number, the BIC NBPAHKHHXXX (or NBPAHKHH) and, often, your postal address.

You can include the bank name and its city too, because some payment forms have separate fields for them. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

The amount you receive can be less than the amount sent. Fees for incoming transfers differ from bank to bank – the price list of National Bank of Pakistan Hong Kong tells you what applies. Make clear with the sender who pays which costs, especially for larger amounts.

How up to date is this code?

The details here are taken from publicly available data which we refresh regularly. Banks merge, change names and retire codes. Counts and locations are from our directory and may differ from what National Bank of Pakistan Hong Kong publishes.

Before any payment that matters, always check the BIC with the recipient’s bank or the recipient. We are an independent comparison service for money transfers and not part of National Bank of Pakistan Hong Kong. If you notice a mistake, we appreciate a message.

Changed bank details? Be careful

Criminals regularly send fake invoices with new bank details, sometimes in an email that looks completely genuine. A valid SWIFT code says nothing about who owns the account.

Before paying, verify changed bank details by phone, using a number you already had. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Contact your bank straight away and ask them to start a recall; also report it to the police.

Recipients are targeted too: a classic trick is an overpayment followed by a request to refund the difference. Do not act before the money is actually in your account – ask National Bank of Pakistan Hong Kong if something looks wrong.

What a transfer from National Bank of Pakistan Hong Kong abroad really costs

A bank transfer abroad can cost more than the listed fee. Besides the transfer fee, correspondent or intermediary banks may take a cut, and when currencies are converted, the bank often applies a rate that is less favourable than the real market rate.

Many banks rarely list the margin on the rate as a cost – you only notice it if you compare. An easy check: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares these services next to each other so you can see the amount the recipient gets. You can still keep your account at National Bank of Pakistan Hong Kong to fund the transfer, while a cheaper service handles the conversion.

How to check NBPAHKHH before you pay

Ask the recipient to copy their account details straight from a recent statement. If the code you have differs from NBPAHKHH or NBPAHKHHXXX, stop and ask.

With a wrong code, the payment may be delayed, be returned or cost extra. A mistake in the account number can be a bigger problem, so check that just as carefully.

Many banking apps check the structure of an IBAN. Some banks now check the name with the account; take any warning seriously. A small test payment can be worth it for a large first payment, even if it costs an extra fee.