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

Hong Kong SAR China: banks and their SWIFT/BIC codes

Here you will find the SWIFT/BIC codes of 1158 banks in Hong Kong SAR China, 1362 codes in all. Each code identifies a bank or a specific branch or department and tells other banks where an international payment should go.

Each bank is listed with its own page with its main code and if there are any, branch codes. Further down you can read how codes from Hong Kong SAR China are built, how to send money to Hong Kong SAR China without overpaying and how to check a code before you pay.

Banks in Hong Kong SAR China starting with :letter

The letter filter limits the list to banks from Hong Kong SAR China that begin with :letter, so you can find a bank faster. The counts in the introduction always refer to the whole country and not only this selection.

If a bank is missing under :letter, check the full list. The full overview for Hong Kong SAR China remains available if you cannot find the bank here.

Check the code before you pay

The most reliable place for the correct BIC remains paperwork issued by the bank. An incorrect BIC can cause a delay, a returned payment or extra fees.

The directory on GoldexPay is compiled from publicly available sources that we update periodically. Even so, banks merge or change codes. For any payment of any size, check the BIC with the recipient’s bank. GoldexPay is not a bank and has no link to the banks in this list.

Fraudsters regularly send fake invoices carrying new bank details that look completely genuine. A real SWIFT code tells you nothing about whether a request is genuine – scammers use the codes of real banks.

When does money sent to Hong Kong SAR China arrive?

There is no fixed delivery time for transfers to Hong Kong SAR China: many land within a day while others need several business days. Transfers sent after the cut-off time or on a weekend or public holiday often go out the next business day.

When a payment takes longer than expected, the sender should contact their own bank. Keep your transfer receipt – you will need it if something goes wrong.

Getting paid from abroad into an account in Hong Kong SAR China

When you are waiting for money from abroad in Hong Kong SAR China, give the sender all details at once. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address.

The code of your bank appears in our list, yet the version on your own statement or in your banking app is leading. Some sending banks 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 what was sent. Charges on incoming payments differ per bank – your bank’s price list tells you what applies. On invoices, state who bears the costs, so nobody is left short.

Hong Kong SAR China and the Hong Kong Dollar

Most accounts in Hong Kong SAR China are typically held in HKD. When you pay money in a different currency, it has to be converted at some point – by your bank, a bank in between or the recipient’s bank.

Who converts the money matters, because each party uses its own rate. Compare what HKD the recipient gets with several services; the difference between options can be larger than you expect. On larger amounts, a seemingly small gap in the rate can be worth more than the fee.

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

In our data, Hongkong and Shanghai Banking Corporation Limited, The has the most SWIFT/BIC codes in Hong Kong SAR China. The head office of Hongkong and Shanghai Banking Corporation Limited, The uses HSBCHKHHXXX.

The number of codes tells you something about how it registers branches and services than about its size. Paying someone at Hongkong and Shanghai Banking Corporation Limited, The? Go with HSBCHKHHXXX unless the recipient gives you a branch code.

How SWIFT codes from Hong Kong SAR China are built

SWIFT/BIC codes follow one international format: eight characters. It starts with a four-letter bank code, followed by two letters for the country and two characters for the location.

Whatever the bank, all Hong Kong SAR China codes share the same fifth and sixth letters, namely the ISO code of Hong Kong SAR China. If those two letters do not match Hong Kong SAR China, you are looking at a bank in another country, so check again.

When a code ends in XXX, it refers to the head office and the short version works just as well. Use a branch code just if the recipient’s bank asks for it – otherwise stick with the head office.

The cheapest way to send money to Hong Kong SAR China

A bank transfer to Hong Kong SAR China often costs more than you think. On top of the fee, correspondent banks may take a cut and, if currencies are converted, the bank often uses a less favourable rate than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: banks convert at a rate with a margin built in. A simple test: set the rate you get next to the mid-market rate and look at the difference.

Specialised transfer providers often offer rates closer to the mid-market rate. GoldexPay compares these providers next to each other, showing the amount that reaches the recipient before you commit.

SWIFT transfers to Hong Kong SAR China

Hong Kong SAR China is outside the SEPA area. International transfers to Hong Kong SAR China usually go through the SWIFT network – which is why you need the BIC of the recipient’s bank.

Not every country uses IBAN numbers – where there is none, the local account number is enough. Ask the recipient which details their bank needs for incoming international payments; banks often publish instructions for this. On the way to Hong Kong SAR China, a payment can go through correspondent banks that take a fee.