Bank of Kaohsiung SWIFT/BIC code

Bank of Kaohsiung SWIFT code: BKAOTWTK

The 8-character code BKAOTWTK and the full code BKAOTWTKXXX refer to one and the same institution: Bank of Kaohsiung, with its head office in Kaohsiung. The code has a single purpose: it makes sure that an international payment ends up at the right bank. It comes up mostly for transfers between countries or a currency.

This page is meant to help people who pays into an account at Bank of Kaohsiung. The BIC identifies an institution, never a single account.

Before you send: check the Bank of Kaohsiung code

Have the recipient send you their bank details straight from their online banking. When the code you were given differs from BKAOTWTK or BKAOTWTKXXX, do not guess: check with the recipient or with Bank of Kaohsiung directly.

Errors in the BIC tend to be costly more than fatal – usually the money comes back, minus fees and time lost. Remember the account number: a mistake there can be harder to correct than a wrong code.

An automatic check in your banking app only confirms that the code exists, not that it is the right account. If your bank offers it, a name check on the recipient adds an extra layer of safety. For a first payment, many people start with a small amount first.

What a transfer from Bank of Kaohsiung abroad really costs

An international bank payment can cost rather more than the fee suggests. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, most importantly, the exchange rate markup.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts at a rate with a margin built in. Compare the rate you are offered against the mid-market rate; the gap is what conversion costs you.

Specialist money transfer services frequently use a rate near the mid-market rate with clearer fees. GoldexPay compares what recipients receive with different services, which makes the cheapest option easy to spot. Using a transfer service does not require leaving Bank of Kaohsiung: you simply pay the service from your account.

How long does an international transfer to Bank of Kaohsiung take?

How fast a payment arrives at Bank of Kaohsiung depends on a few things: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Payments made after the cut-off time or just before a weekend or public holiday usually go out the next business day. Sometimes a bank wants to know what the payment is for before releasing it.

If the money seems late, contact the sending bank about the tracking status or the UETR so they can trace it along the chain. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

The bank that sent the money can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, you can check your statements to see a partial amount.

Watch out for payment fraud

Scammers often use payment requests with new bank details. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Do not rely on a phone number in the same message that announces the new account. Pressure or requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from without delay and ask them to start a recall; also report it to the police.

People receiving money are targeted too: a classic trick is a buyer who pays too much followed by a request to refund the difference abroad. Wait until the money has really arrived – ask Bank of Kaohsiung if something looks wrong.

What to give a sender who pays you at Bank of Kaohsiung

For an international payment at Bank of Kaohsiung, the sender has to have not just the SWIFT code. In practice that means: your name as registered with Bank of Kaohsiung, your IBAN or account number, the SWIFT/BIC code BKAOTWTKXXX (or BKAOTWTK) and sometimes your address.

It helps to add Bank of Kaohsiung and its city as well, since some forms ask for it. A mistake in your account number 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 – the price list of Bank of Kaohsiung tells you what applies. Agree with the sender who covers the fees before the money is sent.

Choosing between the 20 SWIFT codes of Bank of Kaohsiung

Bank of Kaohsiung uses 20 separate SWIFT/BIC codes. One of them is the head office code, BKAOTWTKXXX; the rest belong to branches, and sometimes specific services.

In most cases you do not need to look up a branch: payments addressed to BKAOTWTKXXX reach Bank of Kaohsiung without problems. Branch codes are only needed when the recipient’s bank specifically asks for it.

Not sure which code to use? Ask the recipient. Branch codes can change over time, so do not rely on old paperwork.

BKAOTWTK or BKAOTWTKXXX – which one to use?

The structure of every SWIFT code is always the same: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. Together, these eight characters form BKAOTWTK, the code most people search for.

XXX at the end of BKAOTWTKXXX is not a placeholder or an error: it stands for the head office of Bank of Kaohsiung. Certain payment forms insist on 11 characters, and then you simply enter XXX behind BKAOTWTK.

Leave out spaces, dots when you type BKAOTWTK. Copying the code is safer than retyping it: a typo can point to another bank.

A note on our data

The details on this page are taken from publicly available data that we update regularly. Even so, banks merge, rename themselves or retire codes and our data may lag behind. Counts and locations come from our own dataset and are not confirmed by Bank of Kaohsiung.

Treat our data as a starting point, not as the final word – the bank details from the recipient are leading. We are a comparison site and not affiliated with Bank of Kaohsiung. Spotted outdated information? Tell us via our contact form.