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

SWIFT/BIC codes in Hong Kong SAR China

Here you will find codes for 1158 institutions in Hong Kong SAR China. You need a SWIFT/BIC code mostly when making payments across borders and for payments in a foreign currency.

Look for the recipient’s bank below and click through to see all codes we have. Further down you can read how codes from Hong Kong SAR China are built, how to send money there at a fair price and what to check before you pay.

The Hong Kong Dollar (HKD) and conversion costs

Most accounts in Hong Kong SAR China are typically held in HKD. A payment in a foreign currency is exchanged into HKD before it reaches the account, and whoever converts it chooses the rate.

Who converts the money makes a difference. Often you pay less if you send HKD directly through a provider with a good rate so the receiving bank does not need to convert again. On larger amounts, even a small gap in the rate adds up quickly.

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

How quickly a payment arrives in Hong Kong SAR China is determined by several factors: the currency, the number of banks in between, daily processing deadlines and time zones. Bank holidays in Hong Kong SAR China or in the sending country add extra days.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique reference, the UETR, which the sending bank can use to trace it. Money transfer services usually provide tracking online so you can follow the payment.

Which bank in Hong Kong SAR China has the most codes?

Among the 1158 institutions we list, Hongkong and Shanghai Banking Corporation Limited, The has the most SWIFT/BIC codes of all banks in Hong Kong SAR China. Its main office has HSBCHKHHXXX.

A large number of codes usually reflects separate codes for branches, departments or services – it says nothing about the size of the bank as such. Paying someone at Hongkong and Shanghai Banking Corporation Limited, The? Go with HSBCHKHHXXX except when the recipient gives you a branch code.

International payments to Hong Kong SAR China and the BIC

Hong Kong SAR China is not part of the SEPA area, so European euro rules do not apply. Payments from abroad normally go over the SWIFT network.

Not all countries use IBAN numbers. Check with the recipient exactly which details their bank needs for payments from abroad – many banks give clear instructions for this. Before it arrives, a payment can pass through correspondent banks.

Check the code before you pay

Have the recipient send you their bank details straight from their banking app. When the code you were given differs from our list, do not guess.

The directory on GoldexPay is based on public sources that we update periodically. Institutions reorganise, change names and change codes – a directory can be a step behind. Use our data as a starting point, not as the final word. We are an independent comparison site for money transfers.

Watch out for invoices containing changed bank details, especially when they come by email. A real SWIFT code tells you nothing about whether a request is genuine: criminals use real codes too.

Recognising a SWIFT code from Hong Kong SAR China

A SWIFT code is either 8 or 11 characters long. First comes a four-letter bank code, followed by a two-letter country code and a two-character location code.

Whatever the bank, every code from Hong Kong SAR China share the same fifth and sixth letters. When those two letters do not match Hong Kong SAR China, the code belongs to a bank in another country.

If the last three are XXX, it refers to the head office, and the 8-character version leads to the same place. In most cases the head office code is what you need unless the recipient asks for a specific branch.

Filter: banks in Hong Kong SAR China with :letter

This filter limits the list down to banks from Hong Kong SAR China that begin with :letter, so you can find a bank faster. The totals on this page cover every bank we list and not only this letter.

Bank not listed? The registered name might start with a different letter – think of the full legal name instead of the brand. The full overview for Hong Kong SAR China remains available if you cannot find the bank here.

Incoming international payments in Hong Kong SAR China

To receive a transfer from abroad into a Hong Kong SAR China account, the person paying you has to have more than the BIC. Give them the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address.

Find your bank in the list on this page – your bank statement is the final word. Certain banks also ask for your bank’s address; it does no harm to include it.

What lands in your account can be lower than what was sent. Fees for incoming transfers differ from bank to bank – your bank’s price list tells you what applies. Agree with the sender who covers the fees.

Sending money to Hong Kong SAR China for less

What you pay for a transfer to Hong Kong SAR China is made up of several parts – not only the fee you see. On top of a fixed fee, correspondent banks may deduct a charge, and when the money is converted the bank usually applies a less favourable rate than the real market rate.

The markup on the rate is often the biggest cost item, even though it is not listed as a fee. A simple test: put the rate you get next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer. On GoldexPay we compare what recipients in Hong Kong SAR China receive across services, so you can pick the cheapest route.