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

Bank SWIFT codes for Hong Kong SAR China

This overview contains 1158 banks and other institutions in Hong Kong SAR China and 1362 SWIFT/BIC codes between them. A SWIFT code shows every bank in the chain which institution should receive an international payment.

Pick the bank from the list to view its head office code and its other codes along with tips for payments to and from that bank. Further down we explain 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.

Transfer times to Hong Kong SAR China

How quickly money reaches Hong Kong SAR China depends on a few things: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in either country can add extra days, because banks do not process payments on those days.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR that banks can use to see where the money is. Money transfer services usually show tracking in their app.

What a transfer to Hong Kong SAR China really costs

The price of a payment to Hong Kong SAR China is made up of more than one component. There is the transfer fee, possibly charges from intermediary banks along the way and, above all, the margin on the exchange rate.

That exchange rate margin is often the biggest part of the cost because it is hidden in the rate. Compare the bank’s rate with the mid-market rate.

Money transfer services frequently use rates closer to the mid-market rate. On GoldexPay you can compare the amount that arrives in Hong Kong SAR China with different services, which makes the cheapest option easy to spot.

The largest SWIFT network in Hong Kong SAR China: Hongkong and Shanghai Banking Corporation Limited, The

In our data, Hongkong and Shanghai Banking Corporation Limited, The holds the largest number of SWIFT/BIC codes of all banks in Hong Kong SAR China. The head office uses HSBCHKHHXXX.

Many codes usually reflects separate codes for branches, departments or services – it says nothing about the size of the bank as such. Paying someone at Hongkong and Shanghai Banking Corporation Limited, The? Use HSBCHKHHXXX unless the recipient gives you a branch code.

How SWIFT codes from Hong Kong SAR China are built

Each SWIFT/BIC code has 8 or 11 characters in a fixed order. The first four letters stand for the bank, characters five and six form the country code and the next two give the location.

In every code from Hong Kong SAR China, characters five and six show the two-letter ISO code of Hong Kong SAR China, which makes these codes easy to recognise. When the country letters do not match Hong Kong SAR China, the code belongs to a bank somewhere else – worth double-checking.

If the last three are XXX, it refers to the head office and the short version works just as well. Use a branch code only if the recipient explicitly gives you one; otherwise the head office code is the safe choice.

Sending HKD to Hong Kong SAR China

Bank accounts in Hong Kong SAR China are typically held in HKD – the Hong Kong Dollar. If you send money in a different currency, the amount gets converted somewhere along the way.

Which bank converts the money matters. In many cases it is cheaper to send HKD straight away via a provider with a good rate rather than letting the receiving bank convert. Exchange rates move during the day, so a quote is usually valid only briefly.

International payments to Hong Kong SAR China and the BIC

Since Hong Kong SAR China is outside SEPA, a transfer from abroad is usually sent as a SWIFT payment. This means the payment always needs the BIC of the receiving bank, together with the account number or IBAN.

Not every country uses IBAN numbers; in that case the local account number is used instead. Check with the recipient which details their bank requires for incoming international payments; banks often publish instructions for this. International transfers can pass through one or more intermediary banks.

Filter: banks in Hong Kong SAR China with :letter

Here you see a selection: only institutions in Hong Kong SAR China whose name begins with :letter. The totals mentioned here apply to every bank we list and not only this letter.

Some banks appear under their official name, which may start with words like Bank or Banco, so the letter can differ from what you expect. Use the full list for Hong Kong SAR China if you do not know the exact name.

How reliable is this list?

The safest source for a SWIFT code is the bank details provided by the recipient. If the code you have differs from our list, stop and ask – contact the recipient or their bank.

Our SWIFT/BIC directory is based on publicly available sources that we update periodically. Institutions merge, change names and retire codes – a directory can be a step behind. Use this list as a reference, not as the final word: the bank details from the recipient come first. GoldexPay is an independent comparison service.

Fraudsters regularly send payment requests carrying new bank details from what looks like a familiar address. A real SWIFT code tells you nothing about who owns the account – scammers use the codes of real banks.

Incoming international payments in Hong Kong SAR China

When you are waiting for a payment from another country in Hong Kong SAR China, give the sender everything they need in one go. That means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and usually your address.

Look up your bank in the list above and compare the code with your own bank details. Some banks may also want the name and address of your bank, so keep it at hand.

What lands in your account is often less than what was sent. Fees for incoming transfers differ per bank; check the price list of your bank. For business payments, agree how the fees are split, so nobody is left short.