China Construction Bank Corporation, Beijing, Swiss Branch Zurich SWIFT/BIC code

China Construction Bank Corporation, Beijing, Swiss Branch Zurich SWIFT code: PCBCCHZZ

PCBCCHZZ and PCBCCHZZXXX are the short and the long form of the same bank identifier, and both lead to China Construction Bank Corporation, Beijing, Swiss Branch Zurich in Zurich. A SWIFT code shows the sending bank which institution is meant to get the money, a bit like a postal address for banks. In daily life you mostly see it on invoices from abroad, in payment forms and in the bank details of China Construction Bank Corporation, Beijing, Swiss Branch Zurich customers.

Further down we go through the practical side: receiving money at China Construction Bank Corporation, Beijing, Swiss Branch Zurich, sending money abroad and how to verify the code before you confirm a payment. A SWIFT code identifies a bank or branch, never a single account; the IBAN or account number does that.

Where our SWIFT data comes from

We gather SWIFT/BIC codes using publicly available data and check our list regularly. Even so, banks merge, rename themselves or change codes, so information can be out of date. The number of codes on this page reflect our own data.

Before a payment of any size, always confirm the BIC with the recipient’s bank or the recipient. GoldexPay has no connection to China Construction Bank Corporation, Beijing, Swiss Branch Zurich; we are a comparison site for money transfers. If you notice a mistake, we welcome a message.

Is PCBCCHZZ still correct? How to check

The most reliable place for the right code is a document from the bank itself like a bank statement or the account page in online banking. Check it with PCBCCHZZ here; if they differ, ask before you pay.

Errors in the SWIFT code are costly rather than disastrous: often the payment comes back, minus fees. An error in the account number is more serious, because the money may be credited to someone else, so check that just as carefully.

A validity check in your banking app merely tells you that the code exists, not that it is the right account. If your bank offers it, a name check before sending gives extra certainty. For a first payment, many people send a small test amount.

Sending money abroad from China Construction Bank Corporation, Beijing, Swiss Branch Zurich

An international bank payment can cost more than the listed fee. On top of the transfer fee, banks in between may deduct a fee, and if currencies are converted the bank often applies a rate that is less favourable than the actual market rate.

Many banks do not list their exchange rate markup separately. A simple test: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a transfer service is less expensive than a bank. GoldexPay lists transfer providers side by side, showing what actually arrives. You can always use your account at China Construction Bank Corporation, Beijing, Swiss Branch Zurich as the source of the money.

Scams that use SWIFT codes

Criminals regularly use payment requests containing changed bank details. A real SWIFT code tells you nothing about whether the request is genuine.

Never trust a phone number in the same message that contains the change. Urgency and requests to keep it quiet tend to be warning signs. When money was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: one known trick is an overpayment and then sends a request to refund the difference to another account. Do not act before the money has really arrived.

Paying China Construction Bank Corporation, Beijing, Swiss Branch Zurich in euros within SEPA

Since Switzerland is part of SEPA, a euro transfer into China Construction Bank Corporation, Beijing, Swiss Branch Zurich from within the SEPA area usually requires just the IBAN. Most banking apps no longer ask for the BIC in that case or fill it in for you.

For anything other than euros and from non-SEPA countries, PCBCCHZZXXX is still required. If a payment form asks for the BIC regardless, entering PCBCCHZZ is fine.

Instant payments in euros have become widely supported across SEPA; check with China Construction Bank Corporation, Beijing, Swiss Branch Zurich whether it applies to your account. Fees for SEPA transfers tend to be low.

Tracking a transfer to or from China Construction Bank Corporation, Beijing, Swiss Branch Zurich

How quickly a payment arrives at China Construction Bank Corporation, Beijing, Swiss Branch Zurich is determined by a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in either country add a day or more. Extra checks on larger or unusual payments may also add a delay, regardless of the details.

When a payment takes longer than expected, ask your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Save the payment confirmation; it contains the details a bank needs to start a trace.

If the money does not arrive within the expected time, the sender should start with the bank that sent it, not the receiving bank. On the receiving end, you can check your account for a partial amount.

PCBCCHZZ or PCBCCHZZXXX – which one to use?

A SWIFT code is made up of a few fixed parts: the first four letters identify the bank, the next two give the country and the two after that indicate the location. In this case, the 8-character core is PCBCCHZZ.

XXX at the end of PCBCCHZZXXX does not stand for a missing value or a mistake: it stands for the main office of China Construction Bank Corporation, Beijing, Swiss Branch Zurich. Some forms ask for 11 characters, and then you can enter XXX behind PCBCCHZZ.

Enter the code in one piece, in capitals and without spaces. Watch for O versus 0 and the letter I and the digit 1.

Which of the 2 codes of China Construction Bank Corporation, Beijing, Swiss Branch Zurich do you need?

China Construction Bank Corporation, Beijing, Swiss Branch Zurich uses 2 different SWIFT/BIC codes. Only one is the head office code; the others identify branches.

For the vast majority of payments to a private or business account, the head office code PCBCCHZZXXX is the right choice. When you receive a specific code, use it as it is instead of swapping it for the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes can change over time, so do not rely on old paperwork.

Paying into China Construction Bank Corporation, Beijing, Swiss Branch Zurich in CHF

The currency in Switzerland is the Swiss Franc (CHF). If you send another currency gets converted somewhere along the way. Each conversion eats into something – usually through the rate rather than a fee.

Who converts the payment matters: every bank has its own margin. In many cases you pay less to send CHF straight away via a transfer service that converts near the mid-market rate, so that the receiving bank does not need to convert again.

The rate for CHF fluctuates constantly. With bigger transfers, even seemingly small gap in the rate adds up quickly.

Getting paid from abroad into a China Construction Bank Corporation, Beijing, Swiss Branch Zurich account

Someone abroad who wants to pay you will ask for several details from you. In practice that means: your full name as registered with China Construction Bank Corporation, Beijing, Swiss Branch Zurich, your IBAN or account number, the BIC PCBCCHZZXXX (or PCBCCHZZ) and sometimes your postal address.

The sender’s bank may also ask for the bank address of China Construction Bank Corporation, Beijing, Swiss Branch Zurich, in which case the Zurich head office is the usual answer. A mistake in your account number can be harder to fix than it looks, so copy the details from your online banking.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Fees for incoming transfers differ from bank to bank; check the price list of China Construction Bank Corporation, Beijing, Swiss Branch Zurich. On invoices, it is common to agree how the fees are split, so that nobody is left short.