Pt Bank HSBC Indonesia SWIFT/BIC code

SWIFT/BIC code of Pt Bank HSBC Indonesia

The 8-character code HSBCIDJA and the full code HSBCIDJAXXX refer to one and the same institution: Pt Bank HSBC Indonesia, with its head office in Jakarta. A SWIFT code shows every bank in the chain exactly which bank is meant to get the money, much like a postcode for banks. In practice you mostly see the code on international invoices, in payment forms and on the account details that Pt Bank HSBC Indonesia provides.

We wrote this page to help anyone who sends money to an account at Pt Bank HSBC Indonesia and wants to get the details right. Keep in mind that the SWIFT code just identifies the bank, not the account: the account number or IBAN takes care of that.

How up to date is this code?

The directory on GoldexPay is compiled from publicly available sources and is updated regularly. Even so, banks merge, rename themselves or retire codes. Figures such as the number of codes are from our directory.

Before a payment that matters, check the code with the recipient’s bank or with the recipient. GoldexPay is a comparison service for money transfers and not affiliated with Pt Bank HSBC Indonesia. If you notice something that is out of date, we welcome a short note.

What to give a sender who pays you at Pt Bank HSBC Indonesia

Someone abroad who wants to pay you will ask for several details about your account. Give them your name as the bank knows it, the IBAN or account number, the BIC HSBCIDJAXXX and your address, which some banks require.

Certain banks also ask for the name and address of Pt Bank HSBC Indonesia, so keep it at hand. A mistake in your account number is harder to fix than it looks; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank; check the price list of Pt Bank HSBC Indonesia. Make clear with the sender who covers the fees before the money is sent.

Paying someone abroad from your Pt Bank HSBC Indonesia account

What you pay for an international transfer has more than one component. Besides a fixed fee, banks in between can deduct a fee, and if currencies are converted, the bank often uses a rate below the actual market rate.

The real cost is often in the rate: many banks convert using an exchange rate that includes a margin. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

For many routes, a transfer service turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares these services next to each other so you can see the amount the recipient gets before you commit. Using a transfer service does not require leaving Pt Bank HSBC Indonesia.

What the XXX in HSBCIDJAXXX means

A SWIFT code is made up of fixed blocks: the first four letters identify the bank, the next two show the country and characters seven and eight mark the location. In this case, the 8-character core is HSBCIDJA.

XXX at the end of HSBCIDJAXXX does not stand for a placeholder or an error: it stands for the head office of Pt Bank HSBC Indonesia. Some forms ask for 11 characters, and then you simply enter XXX behind HSBCIDJA.

In practice the code is written in capitals. A single letter may route the money to another bank, so check it twice.

Protect yourself against fake payment requests

One of the most common tricks goes like this: an email arrives with a request saying that a supplier has new bank details and that the next payment should go there. That HSBCIDJA is a real code is no guarantee that a request mentioning it is genuine.

Before paying, confirm changed bank details by phone on a number you know, not one from the message. Watch out for time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Call your bank without delay and ask them to try to recall the payment.

Scams also work the other way. Someone sends more than agreed and asks you to refund the extra via a different route. A payment confirmation from the sender proves nothing – check your own account.

How long does an international transfer to Pt Bank HSBC Indonesia take?

How quickly a transfer reaches Pt Bank HSBC Indonesia depends on several factors: the currency, the number of banks in between, daily processing deadlines and time zones. Bank holidays in either country add extra days. Occasionally a bank asks about the purpose of a payment before releasing it.

When a payment takes longer than expected, ask the sending bank for the status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services often provide a status in their app so you can see where the money has got.

A missing payment has to be traced from the sending side. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

Verifying the SWIFT code of Pt Bank HSBC Indonesia

Have the recipient send you the account details directly from a recent statement. When the code you were given differs from HSBCIDJA or HSBCIDJAXXX, stop and ask.

If the code is wrong, the transfer may get stuck, bounce back or cost extra. Remember the IBAN: an error there is harder to undo than a wrong BIC.

Many banking apps check the format of an IBAN. More and more banks compare the name with the account; take any warning seriously. When you pay someone new, some people start with a small amount first.

Which of the 7 codes of Pt Bank HSBC Indonesia do you need?

With 7 codes in 6 locations, Pt Bank HSBC Indonesia belongs to the banks that register separate codes for parts of the organisation. The main code remains HSBCIDJAXXX.

Unless the recipient tells you otherwise, go with HSBCIDJAXXX. When you receive a specific code, stick to it instead of replacing it for the head office code.

The safest route is to copy the code directly from the recipient’s invoice. Codes for branches are more prone to be retired than HSBCIDJAXXX when a bank merges or closes offices.