The Hongkong and Shanghai Banking Corporation Limited SWIFT/BIC code

HSBCMOMX – the SWIFT/BIC code of The Hongkong and Shanghai Banking Corporation Limited

The short code HSBCMOMX and the full code HSBCMOMXXXX refer to the same bank: The Hongkong and Shanghai Banking Corporation Limited. The code has a single purpose: it makes sure that a cross-border transfer reaches the right bank. In daily life you usually see it on invoices from abroad, in your banking app and in the bank details that The Hongkong and Shanghai Banking Corporation Limited provides.

Below you will find the practical questions: money coming in from abroad, paying someone in another country and how to verify a SWIFT code before you hit send. The SWIFT code on its own cannot identify an individual account holder; for that you need the account number or IBAN .

How up to date is this code?

The details here come from public sources that we update regularly. Banks reorganise, change names and change codes, and a directory never catches every change immediately. The number of codes we show reflect what is in our directory, not official figures from The Hongkong and Shanghai Banking Corporation Limited.

Treat our directory here as a helpful check and rely on the recipient or The Hongkong and Shanghai Banking Corporation Limited for the final confirmation. GoldexPay is a comparison site for money transfers and not affiliated with The Hongkong and Shanghai Banking Corporation Limited. Should you notice something that is out of date, we appreciate a short note.

Is HSBCMOMX still correct? How to check

The most reliable place for the right code remains paperwork issued by the bank. When the code you were given differs from HSBCMOMX or HSBCMOMXXXX, do not guess.

With a wrong code, the payment might be delayed, be returned or cost extra – sometimes after weeks of searching. A mistake in the account number is a bigger problem because it can reach the wrong person, so check that just as carefully.

Most online banking apps validate the format of an IBAN and some suggest the matching BIC. Where available, a name check on the recipient gives an extra layer of safety. Sending a small amount first is worth it for large sums despite the extra fee.

What a transfer from The Hongkong and Shanghai Banking Corporation Limited abroad really costs

When you transfer money abroad via The Hongkong and Shanghai Banking Corporation Limited, the visible fee is only part of the cost. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency, the bank often uses a rate that is less favourable than the real market rate.

The markup on the rate is often the largest cost even though it is not listed as a fee. Compare their rate against the mid-market rate – the rate you find on financial news sites.

For a lot of routes, a specialist provider is cheaper than a traditional bank transfer. Before your next transfer, take a minute to compare the total cost on GoldexPay. You can still keep your account at The Hongkong and Shanghai Banking Corporation Limited; only the conversion and sending happen elsewhere.

Which of the 2 codes of The Hongkong and Shanghai Banking Corporation Limited do you need?

Having 2 codes, The Hongkong and Shanghai Banking Corporation Limited is one of the banks that use separate codes for branches and departments. The main code remains HSBCMOMXXXX.

If nobody asks you for a branch code, go with HSBCMOMXXXX or its short form HSBCMOMX. If you have been given a branch code, use it as it is instead of swapping it with the head office code.

Unsure which code applies? Ask the recipient, or look at a recent statement from The Hongkong and Shanghai Banking Corporation Limited. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

What to give a sender who pays you at The Hongkong and Shanghai Banking Corporation Limited

A sender in another country will ask for a few details from you. What they need is: your name, account number or IBAN, HSBCMOMXXXX and in many cases your home address.

It helps to add the bank name and Macau as well. A typo in the IBAN can be more trouble than it looks, so copy the details from your online banking.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments vary per bank. Make clear with the sender who covers the fees before the money is sent.

Changed bank details? Be careful

Stay wary when someone unexpectedly wants you to pay into another account or a bank in another country. The fact that HSBCMOMX exists does not mean that the account is legitimate.

Before paying, verify a change of bank details through a phone call, using a number you already had. Watch out for time pressure, odd spelling or an email address that differs by one letter. Already paid? Call your bank straight away and have them try to recall the payment and report the fraud.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to send back the difference. Wait until the money is actually in your account and check with The Hongkong and Shanghai Banking Corporation Limited if anything seems off.

HSBCMOMX or HSBCMOMXXXX – which one to use?

A SWIFT code is made up of a few fixed parts: characters one to four identify the bank, the next two give the country and the two after that indicate the location. Together, these eight characters make up HSBCMOMX.

Most payment forms work with both lengths. If yours requires eleven characters, use HSBCMOMXXXX.

In practice the code is typed in capitals, without spaces or dashes. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

Transfer times and tracking a payment to The Hongkong and Shanghai Banking Corporation Limited

An international transfer typically needs anywhere from one to several business days. Transfers sent late in the day or on a weekend or public holiday usually go out the next business day. Extra checks on larger or unusual payments may also cause some delay, regardless of the details.

When a payment takes longer than expected, ask your bank for the status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services usually provide a status in their app showing how far the money has got.

A delayed transfer is traced from the sending side. Request from the sender the payment receipt including the reference; that often settles the question quickly.