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

Bank SWIFT codes for Hong Kong SAR China

Our directory lists 1158 banks and financial institutions in Hong Kong SAR China, with 1362 SWIFT/BIC codes in total. A SWIFT code shows the banks handling a transfer which institution should receive the money.

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

What the letters in a Hong Kong SAR China BIC mean

A BIC is 8 or 11 characters long. The first four letters stand for the bank, the fifth and sixth characters form the country code and the next two mark the location.

Whatever the bank, every code from Hong Kong SAR China share the same fifth and sixth letters, namely the ISO code of Hong Kong SAR China. A code with other letters in that position come from a bank abroad – a quick way to catch mistakes.

The last three characters, if present, stand for a specific branch; XXX means the head office. For most transfers the head office code is fine unless the recipient asks for a specific branch.

Transfer times to Hong Kong SAR China

How fast money arrives in Hong Kong SAR China is determined by several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in either country can add extra days to the journey.

If the money seems delayed, ask the sender to contact the sending bank and ask for the status or the UETR; only the sending side can start an official trace. Money transfer services usually provide tracking in their app, which makes it easier to see where the money is.

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. In practice that means: your name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code of your bank and sometimes your address.

Look up your bank in the list on this page. You can add the name and city of your bank as well because some forms have separate fields for it.

Expect that the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers vary per bank – your bank’s price list tells you what applies. Agree with the sender who pays which costs.

Sending money to Hong Kong SAR China for less

The price of a transfer to Hong Kong SAR China has more than one component. There is a transfer fee, sometimes charges from intermediary banks and, most importantly, the exchange rate markup if the money is converted.

The markup on the rate tends to be the biggest part of the cost, even though it is not listed as a fee. An easy check: set the rate you get against the mid-market rate and look at the difference.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer, mainly because of the rate. On GoldexPay we compare the amount that arrives in Hong Kong SAR China with different services.

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

Here you see a filtered list: just institutions in Hong Kong SAR China with a name starting with :letter. The totals on this page apply to every bank we list, not just the ones under :letter.

Many institutions are listed under their official name. Try the full list for Hong Kong SAR China when you are not sure the exact name.

Check the code before you pay

The most reliable source for a SWIFT code is the bank details provided by the recipient. A wrong code may lead to a delay, a returned payment or extra fees – compare it with the code in our list.

The directory on GoldexPay is compiled from public sources that we update periodically. Even so, banks merge or change codes. For any payment of any size, confirm the code with the recipient. We are an independent comparison service, not a bank.

Be wary of payment requests containing changed bank details – a common fraud method. A real SWIFT code says nothing about who owns the account – scammers use the codes of real banks.

International payments to Hong Kong SAR China and the BIC

Hong Kong SAR China is outside the SEPA area, so European euro rules do not apply. Payments from abroad usually go through the SWIFT network, and the BIC of the receiving bank is required.

In some countries, accounts are identified by a local account number instead of an IBAN and sometimes a local routing or branch code. Check with the recipient exactly which details their bank requires for incoming international payments. Before it arrives, a transfer may pass through intermediary banks.

Paying in HKD: what conversion costs you

Most accounts in Hong Kong SAR China are usually held in HKD. If you send money in a different currency, the amount gets converted somewhere along the way: by your bank, an intermediary or the receiving bank.

Who converts the payment makes a difference. Check how much HKD arrives via different providers. On larger amounts, a seemingly small gap in the rate can be worth more than the fee.

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

Hongkong and Shanghai Banking Corporation Limited, The leads the list of Hong Kong SAR China banks when it comes to the number of SWIFT/BIC codes. The head office uses HSBCHKHHXXX – the code most transfers need.

How many codes a bank has says more about how it registers branches and services than about its size. Unless a branch code is given, HSBCHKHHXXX is fine for a payment to Hongkong and Shanghai Banking Corporation Limited, The.