Union Bank of India SWIFT/BIC code

Union Bank of India SWIFT code: UBINHKHH

Whether you are given UBINHKHH or UBINHKHHXXX, it is the same address for Union Bank of India in Hong Kong SAR China. A BIC does one job: it ensures that a cross-border transfer ends up at the right bank. You will need it mainly for transfers between countries or a currency.

We wrote this page to help people who pays into an account at Union Bank of India and wants to get the details right. Keep in mind that the BIC only identifies the bank, not the person: the IBAN or account number takes care of that.

A note on our data

The codes here are taken from public sources. Still, banks merge or retire codes. The figures on this page are based on our own data, not official figures from Union Bank of India.

Before any payment of any size, confirm the BIC with the recipient’s bank or with the recipient. GoldexPay is independent of Union Bank of India, we only compare transfer services. Spotted outdated information? Tell us via our contact form and we will look into it.

Transfer times and tracking a payment to Union Bank of India

There is no fixed delivery time for international payments: many land the same day or the next while others need several business days. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Extra checks on larger or unusual payments can also cause some delay.

A growing number of banks are connected to SWIFT gpi. Every payment gets a unique transaction reference, the UETR. Specialist transfer services often provide tracking online so you can see where the payment has got.

The bank that sent the money can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can check your account to see a slightly lower amount, since fees may have been deducted.

International transfers from Union Bank of India: the real cost

If you transfer money abroad via Union Bank of India, the visible fee is rarely all of the cost. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the margin on the exchange rate when the money is converted.

The real cost is often in the rate: many banks convert using an exchange rate with a margin built in. A simple test: put the rate you get against the mid-market rate and look at the difference.

Specialist money transfer services frequently offer rates closer to the mid-market rate with clearer fees. On GoldexPay we compare what recipients receive with different providers, which makes the cheapest option easy to spot. You can always use your account at Union Bank of India as the source of the money; only the conversion and sending happen elsewhere.

How to check UBINHKHH before you pay

Ask the recipient to copy their account details straight from their online banking. Check it with UBINHKHH here and ask if anything does not match.

Mistakes in the BIC are annoying rather than fatal. An error in the IBAN or account number can be more serious, because the money may be credited to someone else.

Many banking apps validate the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Some banks now check the payee name with the account. For a first payment, many people start with a small amount first and wait for confirmation.

Choosing between the 2 SWIFT codes of Union Bank of India

Union Bank of India uses 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code, UBINHKHHXXX; the others belong to branches or departments.

For most payments to a private or business account, the head office code UBINHKHHXXX works fine. If you have been given a specific code, use it as it is rather than swapping it with the head office code.

Not sure which code applies? Ask the recipient. Codes for branches are more prone to be retired than UBINHKHHXXX.

Protect yourself against fake payment requests

Be wary when someone unexpectedly wants you to pay into another account abroad. The fact that UBINHKHH exists is no guarantee that the account is legitimate.

Always verify changed bank details through a phone call, using a number you already had. Pressure or requests to keep it quiet are red flags; a genuine business can wait for you to check. If money was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference. Do not act before the money has really arrived – ask Union Bank of India if something looks wrong.

UBINHKHH or UBINHKHHXXX – which one to use?

The layout of every SWIFT code is always the same: four characters for the institution, two for the country and two for the location, sometimes followed by a branch code. Together, these eight characters make up UBINHKHH.

The long version has three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office.

In practice the code is written in capitals, without spaces or dashes. Watch for the letter O and the digit 0 or the letter I and the digit 1, a common source of typos.

What to give a sender who pays you at Union Bank of India

A sender in another country needs a few details from you. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC UBINHKHHXXX and sometimes your address.

Some sending banks also ask for the name and address of Union Bank of India, so keep it at hand. A mistake in the IBAN can be more trouble than you might think; copy them from your banking app rather than typing.

An incoming payment will not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate comes on top. Agree with the sender who pays which costs, especially for larger amounts.

Sending HKD to Union Bank of India

Accounts at Union Bank of India are usually held in HKD, the local currency. When you pay another currency it has to be converted at some point. You rarely see a separate line for the conversion – the cost sits in the rate.

Who converts the payment matters, because each party uses its own rate. Check how much HKD the recipient gets with several services.

The HKD rate fluctuates constantly, so the amount you see is usually only valid for a short time. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.