China Construction Bank Corporation Macau Branch SWIFT/BIC code

SWIFT/BIC code of China Construction Bank Corporation Macau Branch

If an invoice shows CCBQMOMX or CCBQMOMXXXX, you are looking at the identical address for China Construction Bank Corporation Macau Branch in Macao SAR China. A BIC does one job: it ensures that a cross-border transfer reaches the right bank. It comes up mostly when dealing with payments that cross a border.

Further down we go through the practical questions: receiving money at China Construction Bank Corporation Macau Branch, paying someone in another country and how to verify a SWIFT code before you confirm a payment. The BIC names a bank or branch, never a specific account.

Transfer times and tracking a payment to China Construction Bank Corporation Macau Branch

There is no fixed answer for every transfer: many land within a day while others need several business days. Bank holidays in either country add a day or more. Compliance checks on larger or unusual payments may also add a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique transaction reference, the UETR. Money transfer services usually show a status online showing how far the money has got.

The bank that sent the money can request a trace or a recall; the receiving side usually has nothing to trace yet. Request from the sender the payment receipt; that often settles the question quickly.

Sending money abroad from China Construction Bank Corporation Macau Branch

What you pay for an international transfer is made up of more than one component, and the transfer fee is only the most visible one. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted the bank often uses a rate that is less favourable than the real market rate.

The markup on the rate is often the biggest item even though it is not listed as a fee. Check their rate against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For a lot of currency pairs, a transfer service is less expensive than a traditional bank transfer. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets before you commit. You can still keep your account at China Construction Bank Corporation Macau Branch as the source of the money; only the conversion and sending happen elsewhere.

About this information

We collect bank codes using publicly available data and check our list regularly. Still, banks merge or retire codes and our data may lag behind. Counts and locations come from our own dataset and are not confirmed by China Construction Bank Corporation Macau Branch.

Treat the information on this page as a handy check and rely on the recipient or China Construction Bank Corporation Macau Branch for the final confirmation. GoldexPay is not affiliated with China Construction Bank Corporation Macau Branch. Found an error? Tell us via our contact form.

Protect yourself against fake payment requests

Stay wary if a contact unexpectedly asks you to send money to a different account abroad. The fact that CCBQMOMX exists is no guarantee that the account is legitimate.

Check new bank details via a different channel. Urgency or secrecy are warning signs – a real supplier can wait a day. If money was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Scams also work the other way: someone claims to have sent more than agreed and asks you to refund the extra via a different route. A payment confirmation from the sender is no proof – check your own account.

China Construction Bank Corporation Macau Branch: head office code versus branch codes

Our directory lists 2 SWIFT/BIC codes for China Construction Bank Corporation Macau Branch, spread over 1 cities. Besides the head office code CCBQMOMXXXX, you will find codes for branches, departments or specific services.

For the vast majority of payments to a private or business account, the head office code CCBQMOMXXXX is the right choice. Just use a branch code when the recipient explicitly asks for it.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

8 or 11 characters: CCBQMOMX versus CCBQMOMXXXX

A SWIFT code is built from fixed blocks: the first four letters identify the bank, the next two give the country and the two after that mark the location. Combined, those parts form CCBQMOMX – the version you usually see online.

The long version adds three more characters that identify a branch or department. When those three characters are XXX, the code points to the head office, so CCBQMOMXXXX and CCBQMOMX are interchangeable.

Type the code in one piece, in upper case and without separators. A single letter may route a payment to another bank.

Is CCBQMOMX still correct? How to check

The best place to find the correct BIC remains a document from the bank itself, such as a statement or the account details in online banking. Check it with CCBQMOMX here; if they differ, ask before you pay.

Errors in the BIC tend to be annoying more than disastrous: often the payment comes back, minus fees. Remember the IBAN: an error there can be harder to correct than a wrong BIC.

A format check in your banking app merely confirms that the code exists. Where available, a payee name check before sending adds an extra layer of safety. Sending a small amount first is a sensible step for a large first payment despite the extra fee.

Receiving money from abroad at China Construction Bank Corporation Macau Branch

If you expect a payment from another country, send the payer a complete set of details. What they need is: the account holder’s name, IBAN or account number, CCBQMOMXXXX and often your postal address.

Their bank may also ask for the address of your bank, in which case the Macau head office is the usual answer. A mistake in your account number can be harder to fix than you might think.

What lands in your account is often less than the amount sent. Intermediary banks may deduct a fee, China Construction Bank Corporation Macau Branch may charge for incoming payments, and if the currency changes, a markup on the rate comes on top. Agree with the sender who pays which costs, especially for larger amounts.