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

SWIFT/BIC codes in Hong Kong SAR China

On this page you find codes for 1158 banks in Hong Kong SAR China, 1362 codes in all. Every code points to an institution or one of its branches.

Select a bank from the list to view the head office code and any branch codes. The rest of this page explain how the codes work, the cost of transfers and how to avoid mistakes before a payment.

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

Of the 1158 banks we list for Hong Kong SAR China, Hongkong and Shanghai Banking Corporation Limited, The has the most SWIFT codes. Its main office uses HSBCHKHHXXX.

Banks differ in how many codes they register – a high count is not a measure of size. Paying someone at Hongkong and Shanghai Banking Corporation Limited, The? Use HSBCHKHHXXX except when a specific branch code is requested.

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

How quickly a payment arrives in Hong Kong SAR China depends on several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Transfers sent late in the day or on a weekend or public holiday usually go out a business day later.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique reference, the UETR, which the sending bank can use to trace it. Keep your transfer receipt until the recipient confirms.

Recognising a SWIFT code from Hong Kong SAR China

A BIC is either 8 or 11 characters long. The first four letters stand for the bank, characters five and six are the country code and characters seven and eight give the location.

In every code from Hong Kong SAR China, characters five and six are the ISO country code of Hong Kong SAR China – that is the quickest way to spot one. If the country letters do not match Hong Kong SAR China, you are looking at a bank in another country, so check again.

The last three characters, if present, identify a branch or department; XXX means the head office. In most cases the head office code is fine, unless the recipient gives you a branch code.

Hong Kong SAR China and the Hong Kong Dollar

Hong Kong SAR China uses the Hong Kong Dollar, code HKD. If you send another currency, the amount has to be converted at some point: by your bank, an intermediary or the receiving bank.

Which bank converts the payment matters, because each party uses its own rate. In many cases it is cheaper to send HKD straight away through a provider with a good rate. Exchange rates move during the day, so a quote is usually valid only briefly.

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

If you expect a payment from another country in Hong Kong SAR China, send the payer everything they need in one go. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and usually your address.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. Certain sending banks may also want your bank’s address; it does no harm to include it.

Expect that the incoming amount is below the amount on the sender’s receipt. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. Agree with the sender who covers the fees.

Sending money to Hong Kong SAR China for less

A bank transfer to Hong Kong SAR China can cost more than you think. Besides the fee, correspondent banks can take a cut, and when the money is converted the bank usually applies a less favourable rate than the actual market rate.

Most of the cost usually sits in the exchange rate: banks convert at a rate with a margin built in. An easy check: put the offered rate against the mid-market rate and look at the difference.

Money transfer services often use a rate near the mid-market rate and lower fees. On GoldexPay you can compare what recipients in Hong Kong SAR China receive across services.

International payments to Hong Kong SAR China and the BIC

For Hong Kong SAR China you will almost always need a SWIFT/BIC code, because the country is outside the SEPA area. Without it, most banks will not send the transfer.

Not every country uses IBAN numbers – where there is none, the local account number is enough. Check with the recipient which details their bank requires for incoming international payments. International transfers sometimes go via correspondent banks, each of which may deduct a fee.

Verifying a SWIFT code from Hong Kong SAR China

The most reliable source for the BIC is the bank details provided by the recipient. When the code you were given does not match the code listed here, stop and ask: check with the recipient or the bank.

We collect bank codes from publicly available data and update them regularly. Banks merge, change names and change codes – a directory can be a step behind. Treat this list as a starting point rather than the last word; the recipient’s bank details are leading. GoldexPay is an independent comparison site and has no link to the banks in this list.

Scammers regularly use payment requests carrying new bank details that look completely genuine. Always verify a change of bank details through a separate channel, using a number you already had.

Filter: banks in Hong Kong SAR China with :letter

You are looking at a filtered list: only institutions in Hong Kong SAR China whose name begins with :letter. The totals mentioned above still cover the whole country and not only this selection.

If the bank you need is missing under :letter, check another letter. Try the full list for Hong Kong SAR China if you are not sure the exact name.