HSBC Bank International Limited SWIFT/BIC code

What MIDLJESH means for a payment to HSBC Bank International Limited

MIDLJESH and MIDLJESHXXX are two ways of writing the same bank identifier, and both point to HSBC Bank International Limited in St. Helier. The code does one job: it makes sure that an international payment reaches the right bank. In daily life you mostly see it on invoices from abroad, in payment forms and on the account details of HSBC Bank International Limited customers.

This page is meant to help anyone who pays into an account at HSBC Bank International Limited. The BIC names an institution, not a specific account, which is why you always need the account number too.

Sending GBP to HSBC Bank International Limited

Accounts at HSBC Bank International Limited are usually held in GBP, the national currency of Jersey. If you send another currency it has to be converted somewhere along the way: by your bank, an intermediary or HSBC Bank International Limited itself. Every conversion eats into something, even when no fee is shown.

Which bank converts the money matters: every bank has its own margin. Compare what GBP arrives with several services.

The rate for GBP changes throughout the day, so the amount you see is usually only valid for a short time. If you pay regularly, a slightly better rate make a real difference over time.

Getting paid from abroad into a HSBC Bank International Limited account

Someone abroad who wants to pay you needs several details from you, and missing ones are a common cause of delays. What they need is: the account holder’s name, account number or IBAN, MIDLJESHXXX or MIDLJESH and, for some countries, your home address.

Some banks want the name and address of HSBC Bank International Limited in St. Helier. A typo in the IBAN is harder to fix than it looks, so copy the details from your online banking.

What lands in your account is often lower than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin applies. For business payments, you can state who bears the costs to avoid a shortfall.

Why HSBC Bank International Limited has an 8- and an 11-character code

A SWIFT code is made up of a few fixed parts: characters one to four identify the bank, characters five and six give the country and the two after that mark the location. The result is MIDLJESH for HSBC Bank International Limited.

Many payment forms accept both lengths. If yours asks for eleven characters, enter MIDLJESHXXX, otherwise MIDLJESH is fine.

Enter the code as one block, in upper case and without separators, exactly as shown here. Pasting the code is safer than retyping it, because one wrong letter changes the bank.

Transfer times and tracking a payment to HSBC Bank International Limited

There is no single delivery time for international payments: many land within a day. Transfers sent late in the day or on weekends and holidays often go out the next business day. Occasionally a bank wants to know what the payment is for before releasing it.

A growing number of banks use SWIFT gpi. Every payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the person who paid should start with the bank that sent it. As a recipient, it helps to check your account for a slightly lower amount.

Which of the 2 codes of HSBC Bank International Limited do you need?

Our database contains 2 SWIFT/BIC codes for HSBC Bank International Limited in 1 places. Next to the head office code MIDLJESHXXX, there are codes for regional offices and specialised units.

For most payments to a private or business account, the head office code MIDLJESHXXX is the right choice. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

If you are not sure, check with the recipient which code their bank gave them. Codes for branches are more prone to be retired than the head office code when a bank merges or closes offices.

Scams that use SWIFT codes

Be alert if a contact suddenly asks you to pay into a different account abroad. That MIDLJESH is a real code does not mean that the account is legitimate; criminals use the codes of real banks too.

Before paying, verify changed bank details by phone. Watch out for time pressure, unusual wording or a sender address that is slightly off. If money has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference. Wait until the money is actually in your account and check with HSBC Bank International Limited if anything seems off.

Is MIDLJESH still correct? How to check

Ask the recipient to send you the account details straight from a recent statement. When the code you were given differs from MIDLJESH or MIDLJESHXXX, do not guess – contact the recipient or HSBC Bank International Limited.

Mistakes in the SWIFT code tend to be costly rather than fatal. A mistake in the IBAN or account number can be more serious, because the money may be credited to someone else; check it just as carefully.

A validity check by your bank merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. More and more banks check the payee name with the account; take any warning seriously. Sending a small amount first is worth it for large sums.

Paying someone abroad from your HSBC Bank International Limited account

A bank transfer abroad costs more than the listed fee. On top of a fixed fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted the bank usually applies a rate that is less favourable than the actual market rate.

The real cost is often in the rate: the bank converts using an exchange rate that includes a margin. An easy check: set the rate you get next to the mid-market rate for the same moment and look at the difference.

For a lot of routes, a transfer service is less expensive than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not require closing your account at HSBC Bank International Limited.

Where our SWIFT data comes from

We gather bank codes using publicly available data and check our list from time to time. Even so, banks merge or retire codes, so information can be out of date. Counts and locations come from our own dataset and are not confirmed by HSBC Bank International Limited.

Treat the information on this page as a handy check, and let the details from the recipient or HSBC Bank International Limited have the final say. GoldexPay has no connection to HSBC Bank International Limited. If you notice a mistake, we appreciate a message via the contact page.