U.s. Capital II Investments (Hk) Limited SWIFT/BIC code

CPISHKK1 – the SWIFT/BIC code of U.s. Capital II Investments (Hk) Limited

The short code CPISHKK1 and the full code CPISHKK1XXX refer to one and the same institution: U.s. Capital II Investments (Hk) Limited in Kowloon, Hong Kong SAR China. A SWIFT code tells every bank in the chain which institution is meant to get the money, a bit like a postal address for banks. In practice you mostly see the code on international invoices, in payment forms and on the account details of U.s. Capital II Investments (Hk) Limited customers.

On this page we explain how the code is put together, when you need it and which other details a transfer to or from U.s. Capital II Investments (Hk) Limited requires. The SWIFT code alone does not identify a personal account; that is what the account number or IBAN is for.

International transfers from U.s. Capital II Investments (Hk) Limited: the real cost

A bank transfer abroad costs rather more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks may take a cut, and if the money changes currency the bank usually uses a rate that is less favourable than the real market rate.

Banks do not show their exchange rate markup separately. Check their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialised transfer providers frequently use rates closer to the mid-market rate with clearer fees. GoldexPay compares transfer providers next to each other so you can see what actually arrives before you commit. Using a transfer service does not require closing your account at U.s. Capital II Investments (Hk) Limited – you pay the provider from your own account.

CPISHKK1 or CPISHKK1XXX – which one to use?

The layout of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code, sometimes followed by a branch code. The result is CPISHKK1, the short form of the code.

Many payment forms work with either length. If yours requires eleven characters, enter CPISHKK1XXX.

In practice the code is typed in capitals and without spaces. Copying the code is safer than typing it by hand.

The Hong Kong Dollar and what conversion costs you

Hong Kong SAR China uses the Hong Kong Dollar. Money sent in a different currency will be converted into HKD before it reaches the account, and whoever converts it chooses the rate. You rarely see a separate line for that conversion.

Who does the conversion affects the final amount. Sending the money already in HKD usually prevents an extra conversion at the receiving end – as long as your own rate is good.

The HKD rate fluctuates constantly, so the amount you see is usually only valid for a short time. If you pay regularly, a slightly better rate add up over a year.

Watch out for payment fraud

Criminals regularly send payment requests with new bank details sent from what looks like a familiar address. That CPISHKK1 is a real code is no guarantee that the account is genuine.

Do not rely on contact details from the same email that contains the new account. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. Already paid? Contact the bank you paid from without delay and have them start a recall and report the fraud.

Fraud also target the receiver. Someone claims to have sent more than agreed and wants you to refund the extra. Wait until the money is actually in your account – ask U.s. Capital II Investments (Hk) Limited if something looks wrong.

U.s. Capital II Investments (Hk) Limited: head office code versus branch codes

U.s. Capital II Investments (Hk) Limited has 2 different SWIFT/BIC codes. One of them is the head office code; the others identify branches.

Unless the recipient tells you otherwise, go with CPISHKK1XXX. If you have been given a specific code, use it as it is rather than swapping it for the head office code.

Not sure which code applies? Check with the recipient, or look at a recent statement from U.s. Capital II Investments (Hk) Limited. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

Incoming international payments to U.s. Capital II Investments (Hk) Limited

To receive a transfer from abroad at U.s. Capital II Investments (Hk) Limited, the sender has to have not just the BIC. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC CPISHKK1XXX (or CPISHKK1) and sometimes your address.

Their bank might also ask for the bank address of U.s. Capital II Investments (Hk) Limited; the head office in Kowloon is usually fine. Check each detail before you send them.

Do not be surprised if the amount credited is below what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin applies. Agree with the sender who pays which costs before the money is sent.

When will the money arrive at U.s. Capital II Investments (Hk) Limited?

A SWIFT payment usually takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Bank holidays in either country can add extra days. Extra checks on larger or unusual payments can also cause a delay.

If the money is late, ask the sending bank about the tracking status. Money transfer services usually provide a status in their app so you can see where the money is.

A delayed transfer has to be traced by the sending bank. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

Verifying the SWIFT code of U.s. Capital II Investments (Hk) Limited

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. When the code you were given differs from CPISHKK1 or CPISHKK1XXX, stop and ask: check with the recipient or with U.s. Capital II Investments (Hk) Limited directly.

With a wrong code, the payment may be delayed, bounce back or end up costing more – sometimes after weeks of searching. Remember the account number: a mistake there is harder to correct than a wrong BIC.

Many banking apps validate the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks check the name against the account before you confirm. Sending a small amount first is a sensible step for a large first payment despite the extra fee.

About this information

The details on this page come from public sources that we update regularly. It is possible that information here is no longer current after a merger or reorganisation. Figures such as the number of codes are from our directory and are not confirmed by U.s. Capital II Investments (Hk) Limited.

Treat our data as a reference, rather than as the final word: the recipient’s bank details come first. GoldexPay is not affiliated with U.s. Capital II Investments (Hk) Limited. Spotted outdated information? Let us know through the contact page and we will look into it.