Chang Hwa Commercial Bank LTD. SWIFT/BIC code

CCBCTWTP – the SWIFT/BIC code of Chang Hwa Commercial Bank LTD.

CCBCTWTP and CCBCTWTPXXX are the short and the long form of the same SWIFT/BIC code, and both lead to Chang Hwa Commercial Bank LTD. in Taipei. A SWIFT code tells the banks handling a payment 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 your banking app and in the bank details of Chang Hwa Commercial Bank LTD. customers.

On this page we explain what the code is put together, when it matters and which other details you need for a transfer to or from Chang Hwa Commercial Bank LTD.. The BIC names a bank or branch, never a single account; the IBAN or account number does that.

Paying someone abroad from your Chang Hwa Commercial Bank LTD. account

A bank transfer abroad can cost more than the fee suggests. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, above all, the margin on the exchange rate when the money is converted.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert at a rate that includes a margin. Compare the rate you are offered with the mid-market rate; the gap is what conversion costs you.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer. GoldexPay lists transfer providers side by side so you can see the amount the recipient gets. Using a transfer service does not require closing your account at Chang Hwa Commercial Bank LTD..

CCBCTWTP or CCBCTWTPXXX – which one to use?

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. In this case, that core is CCBCTWTP.

Many payment forms accept both lengths. If a form requires eleven characters, enter CCBCTWTPXXX, otherwise CCBCTWTP is fine.

Enter the code as one block, in upper case and without separators. Copying the code is safer than retyping it: a typo can point to another bank.

Where our SWIFT data comes from

The directory on GoldexPay is compiled from publicly available sources. Banks merge, close branches and change codes, and a directory never catches every change immediately. The figures on this page reflect what is in our directory and not on information from Chang Hwa Commercial Bank LTD. itself.

See the information on this page as a handy check, and let the details from the recipient or Chang Hwa Commercial Bank LTD. have the final say. We are a comparison service for money transfers and not affiliated with Chang Hwa Commercial Bank LTD.. Should you notice something that is out of date, we welcome a short note via the contact page.

Chang Hwa Commercial Bank LTD.: head office code versus branch codes

Chang Hwa Commercial Bank LTD. has 188 different SWIFT/BIC codes across 44 locations. One of them is the head office code, CCBCTWTPXXX; the rest identify branches.

Usually you do not need to look up a branch: payments addressed to CCBCTWTPXXX reach Chang Hwa Commercial Bank LTD. without problems. If you have been given a specific code, use it as it is instead of replacing it with the head office code.

The safest route is to take the code straight from the account holder’s bank details. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

Receiving money from abroad at Chang Hwa Commercial Bank LTD.

For an international payment at Chang Hwa Commercial Bank LTD., the sender has to have not just the BIC. Give them your name as the bank knows it, the IBAN or account number, the BIC CCBCTWTPXXX and your address.

It helps to include the bank name and Taipei as well. Double-check every detail before you share them.

An incoming payment does not always arrive for the full amount. Charges on incoming payments differ per bank – the price list of Chang Hwa Commercial Bank LTD. tells you what applies. Agree with the sender who pays which costs.

Transfer times and tracking a payment to Chang Hwa Commercial Bank LTD.

A SWIFT payment typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or on a weekend or public holiday usually start the next business day. Extra checks on larger or unusual payments may also cause a delay, even when all details are correct.

If a transfer is delayed, contact your bank for the status or the UETR; with that reference banks can see where the payment is. Specialist transfer services usually show a status online showing where the payment has got.

If a payment has not arrived within the expected time, the person who paid should start with the bank that sent it rather than Chang Hwa Commercial Bank LTD.. On the receiving end, you can look at your account for a partial amount because fees can reduce the amount.

Verifying the SWIFT code of Chang Hwa Commercial Bank LTD.

Have the recipient copy the account details straight from their online banking. Check that code against CCBCTWTP on this page and ask if anything does not match.

Mistakes in the BIC tend to be annoying rather than fatal. An error in the IBAN or account number can be more serious because it can reach the wrong person.

Many banking apps check the structure of an IBAN. If your bank offers it, a name check on the recipient gives an extra layer of safety. A small test payment can be a sensible step for a large first payment despite the extra fee.

Changed bank details? Be careful

Scammers often send fake invoices with new bank details, sometimes in an email that looks completely genuine. A valid SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Never trust a phone number from the same email that contains the new account. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Call your bank straight away and ask them to try to recall the payment.

Fraud can also target the receiver. Someone sends too much and wants you to refund the extra to a new account. Do not act before the money has really arrived and check with Chang Hwa Commercial Bank LTD. if anything seems off.