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

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

In Hong Kong SAR China we have 1362 SWIFT/BIC codes, spread over 1158 banks. You will need such a code mostly when making payments across borders and for payments in a foreign currency.

Select the bank from the list to see the head office code and its other codes, plus practical notes for sending and receiving money. Further down you can read how a code from Hong Kong SAR China is put together, how to send money to Hong Kong SAR China at a fair price and what to check before you pay.

Transfer times to Hong Kong SAR China

A SWIFT payment to Hong Kong SAR China typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Public holidays in either country can add a day or more to the journey.

When a payment takes longer than expected, the sender should contact their own bank; only the sending side can start an official trace. Money transfer services often show a status in their app so you can follow the payment.

Why a transfer to Hong Kong SAR China needs a SWIFT code

Hong Kong SAR China is outside the SEPA area. Payments from abroad usually travel through the SWIFT network, and the BIC of the receiving bank is required.

Not every country uses the IBAN – where there is none, the local account number is enough. The receiving bank usually provides instructions for payments from abroad – follow them exactly. Before it arrives, a transfer may pass through intermediary banks that charge for their part.

Sending money to Hong Kong SAR China for less

What you pay for a transfer to Hong Kong SAR China is made up of several parts, and the fee on your screen is only one of them. On top of the fee, correspondent banks may take a cut, and when the money is converted the bank usually uses a less favourable rate than the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee. Check the bank’s rate against the mid-market rate; the gap is what conversion costs you.

For many routes, a transfer service turns out to be less expensive than a traditional bank transfer. Before you send money to Hong Kong SAR China, take a minute comparing what arrives on GoldexPay instead of going straight to your bank.

Hong Kong SAR China and the Hong Kong Dollar

Most accounts in Hong Kong SAR China are usually held in HKD. When you pay another currency, the amount gets converted at some point: by your bank, an intermediary or the receiving bank.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Often it is cheaper to send HKD straight away via a transfer service with a good rate rather than letting the receiving bank convert. On larger amounts, even a small gap in the rate adds up quickly.

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

Hongkong and Shanghai Banking Corporation Limited, The leads our list for Hong Kong SAR China when it comes to the number of SWIFT/BIC codes. Its head office code is HSBCHKHHXXX – the code most transfers need.

How many codes a bank has says more about how it registers branches and services than about how big it is. If not a branch code is given, HSBCHKHHXXX is fine for a payment to Hongkong and Shanghai Banking Corporation Limited, The.

How SWIFT codes from Hong Kong SAR China are built

Each SWIFT/BIC code has 8 or 11 characters in a fixed order. It starts with a four-letter bank code, followed by two letters for the country and two characters for the location.

Whatever the bank, every code from Hong Kong SAR China have the same country code in positions five and six. A code with other letters in that position come from a bank abroad – a quick way to catch mistakes.

The optional last three characters stand for a specific branch; XXX is used for the head office. In most cases the head office code is fine, unless the recipient gives you a branch code.

What a sender needs to pay you in Hong Kong SAR China

If you expect a payment from another country in Hong Kong SAR China, give the sender a complete set of details. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, 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 – your bank statement is the final word. You can add the name and city of your bank as well.

Do not be surprised if the amount credited is below what the sender paid. Fees for incoming transfers vary per bank; check the price list of your bank. Make clear with the sender who pays which costs, especially for larger amounts.

How reliable is this list?

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. A wrong code can cause delays, a payment being sent back or extra fees.

We collect bank codes from publicly available data and update our list regularly. Banks merge, close branches and change codes, and no directory catches every change immediately. Before any payment of any size, confirm the code with the recipient. GoldexPay is an independent comparison site.

Scammers often use fake invoices with new bank details. Always confirm a change of bank details through a separate channel.

Banks in Hong Kong SAR China starting with :letter

You are looking at a selection: just banks in Hong Kong SAR China with a name starting with :letter. The counts in the introduction still refer to all banks in Hong Kong SAR China, not just this letter.

If the bank you need does not appear under :letter, try another letter: banks are often registered under their full legal name. Use the full list for Hong Kong SAR China when you do not know the exact name.