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

Finding a SWIFT code in Hong Kong SAR China

Here you will find codes for 1158 banks in Hong Kong SAR China. You need such a code mainly when making international transfers and for payments in a foreign currency.

Pick a bank below to view its head office code and any branch codes along with tips for payments to and from that bank. Below the list we explain how a code from Hong Kong SAR China is put together, how to send money there without overpaying and what to check before you pay.

The cheapest way to send money to Hong Kong SAR China

An international bank payment to Hong Kong SAR China can cost rather more than the fee suggests. On top of a fixed fee, correspondent banks can deduct a charge, and when the money is converted the bank usually applies a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee. Check the rate you are offered against the mid-market rate that you find on financial sites.

Specialised transfer providers often offer rates closer to the mid-market rate with clearer fees. On GoldexPay we compare what recipients in Hong Kong SAR China receive with different providers.

How reliable is this list?

The safest source for a SWIFT code is the recipient’s own bank details. If the code you have differs from the code listed here, stop and ask: check with the recipient or the bank.

The directory on GoldexPay draws on public sources that we update periodically. Still, banks merge or change codes. Use our data as a starting point, not as the final word: the bank details from the recipient come first. GoldexPay is a comparison service for money transfers and not part of any bank listed here.

Fraudsters regularly send fake invoices carrying new bank details from what looks like a familiar address. Before paying, confirm changed details through a separate channel.

Filter: banks in Hong Kong SAR China with :letter

You are looking at a filtered list: just institutions in Hong Kong SAR China whose name begins with :letter. The counts in the introduction still refer to all banks in Hong Kong SAR China and not only this selection.

Some banks are listed under their legal name, so the letter can differ from what you expect. Use the full list for Hong Kong SAR China if you do not know the exact name.

Sending HKD to Hong Kong SAR China

Hong Kong SAR China uses the Hong Kong Dollar, code HKD. A payment in a foreign currency will be exchanged into HKD before it reaches the account – and the bank that does it picks the rate.

Who does the conversion affects the final amount, as rates and margins differ per bank. Check what HKD the recipient gets via different providers before choosing one. On larger amounts, even a small difference in the rate adds up quickly.

Most SWIFT codes in Hong Kong SAR China: Hongkong and Shanghai Banking Corporation Limited, The

In our directory, Hongkong and Shanghai Banking Corporation Limited, The has the most SWIFT/BIC codes in Hong Kong SAR China. Its main office has HSBCHKHHXXX and that code covers most payments.

Practice differs in how many codes they register, so the count is not a ranking of size. Making a payment to Hongkong and Shanghai Banking Corporation Limited, The? Use HSBCHKHHXXX except when the recipient gives you a branch code.

SWIFT transfers to Hong Kong SAR China

Because Hong Kong SAR China does not belong to SEPA, an international payment is usually sent through SWIFT. This means you always need the SWIFT/BIC code of the receiving bank, together with the account number or IBAN.

In some countries, accounts are identified by a local account number instead of an IBAN, sometimes with an extra bank or branch code. Ask the recipient which details their bank needs for payments from abroad; banks often publish instructions for this. SWIFT payments can pass through correspondent banks and fees can be taken along the way.

Incoming international payments in Hong Kong SAR China

A sender in another country needs a few details about your account – incomplete details often cause delays. Give them your name as registered with the bank, your account number or IBAN, the BIC of your bank and your address, which some banks require.

Find the bank in the list above and compare the code with your own bank details – your bank statement is the final word. Certain banks may also ask for the name and address of your bank; it does no harm to include it.

What lands in your account is often less than the amount sent. Charges on incoming payments vary from bank to bank. Agree with the sender who pays which costs before the money is sent.

How SWIFT codes from Hong Kong SAR China are built

Bank identifier codes follow the same format worldwide: 8 characters, sometimes followed by three more. The first four letters stand for the bank, the fifth and sixth characters form the country code and characters seven and eight mark the location.

Whatever the bank, all Hong Kong SAR China codes have the same country code in positions five and six: the ISO code of the country. If the country letters do not match Hong Kong SAR China, the code belongs to a bank somewhere else.

The optional last three characters stand for a specific branch; XXX is used for the head office. Choose a branch code only when the recipient explicitly gives you one; otherwise the head office code is the safe choice.

Transfer times to Hong Kong SAR China

How fast a payment arrives in Hong Kong SAR China depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Bank holidays in either country add extra days.

If a transfer seems late, ask the sender to contact their own bank. Specialist transfer services usually provide tracking in their app.