Uco Bank SWIFT/BIC code

SWIFT/BIC code of Uco Bank

If an invoice shows UCBAHKHH or UCBAHKHHXXX, you are looking at the same address for Uco Bank in Hong Kong SAR China. The code has a single purpose: it ensures that an international payment reaches the right bank. In daily life you usually come across the code on invoices from abroad, in payment forms and on the account details that Uco Bank provides.

Below we go through the practical questions: receiving money at Uco Bank, paying someone in another country and how to verify the code before you hit send. Keep in mind that the SWIFT code only identifies the bank, not the person: the IBAN or account number takes care of that.

Sending money abroad from Uco Bank

If you send money abroad through Uco Bank, the visible fee is only part of the cost. Besides a fixed fee, banks in between may take a cut, and if the money changes currency, the bank usually uses a rate below the actual market rate.

The real cost is often in the rate: the bank converts using an exchange rate that includes a margin. 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 is less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay lists these services next to each other so you can see what actually arrives before you commit. You can still use your account at Uco Bank as the source of the money; only the conversion and sending happen elsewhere.

What the XXX in UCBAHKHHXXX means

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. For Uco Bank, the 8-character core is UCBAHKHH.

XXX at the end of UCBAHKHHXXX is not a missing value or an error: it indicates the head office of Uco Bank. Some forms insist on 11 characters, and then you can add XXX after UCBAHKHH.

Type the code in one piece, in capitals and without separators, exactly as shown here. A single letter may route a payment to a different institution, so copy it carefully.

Getting paid from abroad into a Uco Bank account

A sender in another country will ask for a few details from you – incomplete details often cause delays. The basics are: your name, account number or IBAN, UCBAHKHHXXX or UCBAHKHH and often your home address.

Their bank might request the bank address of Uco Bank, in which case the Hong Kong head office is the usual answer. Double-check every detail before you send them.

The amount you receive can be less than what was sent. Fees for incoming transfers vary per bank. Make clear with the sender who pays which costs before the money is sent.

Where our SWIFT data comes from

The codes on this page are taken from publicly available data. Still, banks merge, rename themselves or change codes. The number of codes we show are based on what is in our directory, not official figures from Uco Bank.

See our directory here as a handy check, and let the details from the recipient or Uco Bank have the final say. GoldexPay is not affiliated with Uco Bank; we are a comparison site for money transfers. If you notice something that is out of date, we appreciate a message via the contact page.

Tracking a transfer to or from Uco Bank

There is no single delivery time for international payments: some land within a day. Bank holidays in either country can add extra days, since banks do not process on those days. Extra checks by one of the banks may also add some delay, regardless of the details.

If a transfer seems delayed, contact the sending bank for the tracking status and the transaction reference. Money transfer services usually provide tracking in their app so you can see where the payment is.

If the money does not arrive within the expected time, the person who paid should contact their own bank. On the receiving end, you can look at your account to see a slightly lower amount because fees can reduce the amount.

How to check UCBAHKHH before you pay

The most reliable place for the right code remains paperwork issued by the bank, such as a statement or the account details in online banking. If the code you have differs from UCBAHKHH or UCBAHKHHXXX, stop and ask – contact the recipient or Uco Bank.

An incorrect BIC can cause delays, a returned payment or additional charges for investigation. A mistake in the IBAN or account number can be more serious; check it just as carefully.

An automatic check in your banking app only tells you that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a name check on the recipient adds an extra layer of safety. When you pay someone new, many people start with a small amount first and wait for confirmation.

Which of the 2 codes of Uco Bank do you need?

Our directory lists 2 SWIFT/BIC codes for Uco Bank, spread over 1 locations. Next to the head office code UCBAHKHHXXX, you will find codes for individual branches and departments.

Usually you do not need to pick a branch: transfers sent to UCBAHKHHXXX reach Uco Bank without problems. When you receive a branch code, stick to it instead of replacing it for the head office code.

Not sure which code to use? Check with the recipient or the bank itself. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.

Watch out for payment fraud

Scammers regularly use fake invoices containing new bank details. The fact that UCBAHKHH exists is no guarantee that the account is genuine.

Never trust a phone number in the same message that announces the change. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. If a payment was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference. Do not act before the money has really arrived and check with Uco Bank if anything seems off.

Paying into Uco Bank in HKD

The currency in Hong Kong SAR China is the Hong Kong Dollar (HKD). When you pay money in a different currency gets converted at some point – by your bank, by Uco Bank or by a bank in between. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Compare what HKD arrives via different services before choosing one.

Exchange rates move during the day. With bigger transfers, even seemingly small difference in the rate can be worth more than the fee.