Bank of China, Macau Branch SWIFT/BIC code

Bank of China, Macau Branch SWIFT code: BKCHMOMX

Whether you are given BKCHMOMX or BKCHMOMXXXX, you are looking at the identical address for Bank of China, Macau Branch in Macao SAR China. Banks worldwide use these codes to route payments between countries to the right institution. It comes up mostly for transfers between countries.

Further down you will find the practical side: money coming in from abroad, paying someone in another country and how to verify the code before you confirm a payment. The BIC identifies an institution, never a specific account, which is why you always need the account number too.

A note on our data

We gather bank codes from publicly available data and check them from time to time. Banks merge, close branches and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our own dataset and may differ from what Bank of China, Macau Branch publishes.

Treat our data as a reference, not as the final word: the recipient’s bank details come first. GoldexPay has no connection to Bank of China, Macau Branch, we only compare transfer services. If you notice something that is out of date, we welcome a short note via the contact page.

Before you send: check the Bank of China, Macau Branch code

The best place to find the right code remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given differs from BKCHMOMX or BKCHMOMXXXX, do not guess.

If the code is wrong, the payment may be delayed, be returned or end up costing more – sometimes after weeks of searching. Do not forget the IBAN: an error there is more difficult to undo than a wrong BIC.

An automatic check by your bank merely tells you that the code exists. More and more banks check the name with the account; take any warning seriously. For a first payment, many people start with a small amount first.

When will the money arrive at Bank of China, Macau Branch?

There is no fixed delivery time for international payments: many land within a day while others need several business days. Bank holidays in either country can add a day or more to the journey. Sometimes a bank asks about the purpose of a payment, which can hold things up.

If the money seems late, ask your bank for the tracking status so they can trace it along the chain. Specialist transfer services usually provide a status online showing how far the money has got.

Only the sending bank is able to start an official trace or a recall. As a recipient, it helps to check your statements to see a partial amount.

Incoming international payments to Bank of China, Macau Branch

A sender in another country needs several details about your account, and missing ones are a common cause of delays. That means: your full name as registered with Bank of China, Macau Branch, your IBAN or account number, the SWIFT/BIC code BKCHMOMXXXX (or BKCHMOMX) and usually your address.

You can add the bank name and its city as well, since some forms ask for it. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

What lands in your account can be less than what was sent. Charges on incoming payments vary per bank – the price list of Bank of China, Macau Branch tells you what applies. For business payments, it is common to state who bears the costs, so that nobody is left short.

Sending money abroad from Bank of China, Macau Branch

If you send money to another country via Bank of China, Macau Branch, the fee you see is rarely all of the cost. Besides a fixed fee, correspondent or intermediary banks may take a cut, and if currencies are converted the bank often uses a rate that is less favourable than the actual market rate.

The real cost is often in the rate, not in the fee: many banks convert at a rate with a margin built in. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialist money transfer services frequently offer rates closer to the mid-market rate. Before your next transfer, take a minute to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not require closing your account at Bank of China, Macau Branch: you simply pay the service from your account.

Why Bank of China, Macau Branch has an 8- and an 11-character code

The layout of every SWIFT code never changes: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. The result is BKCHMOMX, the short form of the code.

Most payment forms accept either length. If yours asks for eleven characters, use BKCHMOMXXXX.

Enter the code in one piece, in upper case and without spaces, exactly as shown here. Look out for O versus 0 and I versus 1; they are easy to mix up.

Head office or branch code at Bank of China, Macau Branch?

Bank of China, Macau Branch uses 2 separate SWIFT/BIC codes. Only one is the head office code; the others identify branches, and sometimes specific services.

Unless the recipient tells you otherwise, go with BKCHMOMXXXX. A branch code only makes sense when the account holder explicitly mentions it.

The safest approach is to take the code directly from the account holder’s statement. Codes can change over time, so a code from an old document is not always valid.

Changed bank details? Be careful

Criminals regularly use payment requests containing new bank details. The fact that BKCHMOMX exists does not mean that the account is legitimate – fraudsters use real bank codes as well.

Verify changed payment details via a different channel like a call to a number from an earlier contract. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Already paid? Contact your bank without delay and have them start a recall and report the fraud.

Scams can also work the other way: someone sends more than agreed and wants you to return the extra to a new account. A screenshot of a transfer proves nothing – check your own account.