Hongkong and Shanghai Banking Corporation Limited, The SWIFT/BIC code

SWIFT/BIC code of Hongkong and Shanghai Banking Corporation Limited, The

Whether a recipient gives you HSBCNZ2A or HSBCNZ2AXXX, you are looking at the same address for Hongkong and Shanghai Banking Corporation Limited, The in New Zealand. A SWIFT code shows the sending bank exactly which bank should receive the money, much like a postcode for banks. It comes up mainly when dealing with transfers between countries or a currency.

We wrote this page to help anyone who receives money at an account at Hongkong and Shanghai Banking Corporation Limited, The. A SWIFT code names a bank or branch, not a single account, which is why you always need the account number too.

Head office or branch code at Hongkong and Shanghai Banking Corporation Limited, The?

Our database contains 4 SWIFT/BIC codes for Hongkong and Shanghai Banking Corporation Limited, The in 3 places. Besides the head office code HSBCNZ2AXXX, you will find codes for branches, departments or specific services.

Usually there is no need to look up a branch: transfers sent to HSBCNZ2AXXX reach Hongkong and Shanghai Banking Corporation Limited, The correctly. Branch codes are only needed if the recipient’s bank specifically mentions it.

Unsure which code applies? Check with the recipient, or look at a recent statement from Hongkong and Shanghai Banking Corporation Limited, The. Branch codes are more likely to be retired than HSBCNZ2AXXX.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on publicly available sources and is updated regularly. Banks merge, close branches and retire codes, and a directory never catches every change immediately. The number of codes on this page reflect what is in our directory.

Treat our directory here as a helpful check, and let the details from the recipient or Hongkong and Shanghai Banking Corporation Limited, The have the final say. We are an independent comparison service and not part of Hongkong and Shanghai Banking Corporation Limited, The. If you notice something that is out of date, we appreciate a message via the contact page.

Before you send: check the Hongkong and Shanghai Banking Corporation Limited, The code

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Check it with HSBCNZ2A here; if they differ, ask before you pay.

Errors in the BIC tend to be annoying rather than disastrous – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number can be a bigger problem.

An automatic check by your bank only confirms that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a name check before sending gives an extra layer of safety. Sending a small amount first is worth it for large sums despite the extra fee.

Changed bank details? Be careful

A common scam works like this: an email arrives with a message claiming that a contact has a new bank account. A correct SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Never rely on contact details in the same message that announces the new account. Urgency or secrecy tend to be warning signs – a real supplier can wait a day. Already paid? Call the bank you paid from without delay and have them start a recall; also report it to the police.

Fraud can also target the receiver. Someone sends more than agreed and asks you to return the extra via a different route. A screenshot of a transfer is no proof.

Sending NZD to Hongkong and Shanghai Banking Corporation Limited, The

The currency of New Zealand is the New Zealand Dollar (NZD). If you send another currency gets converted at some point. Each conversion eats into something, even when no fee is shown.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Often you pay less if you send NZD directly through a transfer service with a good rate.

The rate for NZD changes throughout the day. If you pay regularly, a slightly better rate add up over time.

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

There is no fixed delivery time for every transfer: many arrive within a day while others need several business days. Transfers sent after the cut-off time or just before weekends and holidays usually go out a business day later. Extra checks on larger or unusual payments can also add some delay.

A growing number of banks use SWIFT gpi. Each gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually show tracking online showing where the payment has got.

If the money does not arrive within the expected time, the person who paid needs to start with the bank that sent it rather than Hongkong and Shanghai Banking Corporation Limited, The. Request from the sender the payment receipt including the reference.

What the XXX in HSBCNZ2AXXX means

The structure of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location, plus an optional branch code. Combined, those parts form HSBCNZ2A.

The full version adds a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, which is why HSBCNZ2AXXX and HSBCNZ2A lead to the same place.

Do not add spaces or dashes when you type HSBCNZ2A or HSBCNZ2AXXX. A single character may route the money to a different institution, so copy it carefully.

Getting paid from abroad into a Hongkong and Shanghai Banking Corporation Limited, The account

When you expect money from abroad, send the payer everything they need in one go. What they need is: your name, IBAN or account number, HSBCNZ2AXXX or HSBCNZ2A and in many cases your postal address.

You can include Hongkong and Shanghai Banking Corporation Limited, The and its city too, since some forms ask for it. A mistake 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 the amount sent. Fees for incoming transfers vary per bank. Make clear with the sender who pays which costs, especially for larger amounts.

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

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 the transfer fee, correspondent or intermediary banks may take a cut, and if the money changes currency the bank usually applies a rate that is less favourable than the real market rate.

The real cost is often in the rate, rather than in the fee: the bank converts at a rate with a margin built in. An easy check: put the bank’s rate against the mid-market rate and look at the difference.

Specialist money transfer services often offer rates closer to the mid-market rate with clearer fees. On GoldexPay you can compare the amount that arrives with different providers, which makes the cheapest option easy to spot. You can always keep your account at Hongkong and Shanghai Banking Corporation Limited, The as the source of the money, while a cheaper service handles the conversion.