Mega International Commercial Bank Public Company Limited SWIFT/BIC code

Mega International Commercial Bank Public Company Limited SWIFT code: ICBCTHBK

Whether a recipient gives you ICBCTHBK or ICBCTHBKXXX, you are looking at the same identifier for Mega International Commercial Bank Public Company Limited in Thailand. A BIC does one job: it makes sure that a cross-border transfer reaches the right bank. In daily life you usually see it on invoices from abroad, in payment forms and on the account details that Mega International Commercial Bank Public Company Limited provides.

Below we go through the practical side: receiving money at Mega International Commercial Bank Public Company Limited, paying someone in another country and how to check the code before you confirm a payment. The BIC names an institution, never a specific account.

Before you send: check the Mega International Commercial Bank Public Company Limited code

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. When the code you were given does not match ICBCTHBK or ICBCTHBKXXX, stop and ask – contact the recipient or Mega International Commercial Bank Public Company Limited.

If the code is wrong, the payment might get stuck, bounce back or end up costing more, and tracing it can take weeks. A mistake in the IBAN or account number can be a bigger problem because it can reach the wrong person.

Many banking apps check the format of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. Where available, a payee name check on the recipient adds extra certainty. When you pay someone new, many people send a small test amount before sending the rest.

A note on our data

We collect bank codes using publicly available data and update our list regularly. Institutions merge, change names and retire codes, and a directory never catches every change immediately. The figures on this page are based on our own data.

See the information here as a handy check and rely on the recipient or Mega International Commercial Bank Public Company Limited for the final confirmation. GoldexPay has no connection to Mega International Commercial Bank Public Company Limited; we are a comparison site for money transfers. Should you notice a mistake, we welcome a message.

Sending money abroad from Mega International Commercial Bank Public Company Limited

The price of an international transfer is made up of more than one component – not just the fee on your screen. There is the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

Banks do not show the margin on the rate separately, but you pay it all the same. Compare the rate you are offered against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For many routes, a transfer service is less expensive than a bank, mainly because of the exchange rate. Before your next transfer, it is worth to compare what arrives on GoldexPay instead of going straight to your bank. You can always keep your account at Mega International Commercial Bank Public Company Limited to fund the transfer, while a cheaper service handles the conversion.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a message claiming that a company has new bank details and asking you to pay there from now on. That ICBCTHBK is a real code is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Verify new payment details through a different channel, such as a phone number you already know, not by replying to the message. Urgency and requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. If money was sent to the wrong account, contact your bank immediately.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Choosing between the 5 SWIFT codes of Mega International Commercial Bank Public Company Limited

Mega International Commercial Bank Public Company Limited has 5 separate SWIFT/BIC codes. One of them is the head office code, ICBCTHBKXXX; the others belong to branches.

If nobody asks you for a branch code, go with ICBCTHBKXXX or its short form ICBCTHBK. If you have been given a branch code, stick to it rather than replacing it for the head office code.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes are sometimes changed or retired when banks reorganise.

ICBCTHBK or ICBCTHBKXXX – which one to use?

A SWIFT code is built from fixed blocks: characters one to four identify the bank, the next two give the country and characters seven and eight mark the location. In this case, that core is ICBCTHBK.

XXX at the end of ICBCTHBKXXX is not a missing value or a mistake: it stands for the main office of Mega International Commercial Bank Public Company Limited. Certain payment forms ask for 11 characters, in which case you can add XXX behind ICBCTHBK.

Leave out spaces when you enter ICBCTHBK. A single character can send the money to a different institution, so copy it carefully.

Transfer times and tracking a payment to Mega International Commercial Bank Public Company Limited

A SWIFT payment usually needs anywhere from one to several business days. Weekends and public holidays in the sending or receiving country add a day or more, since banks do not process on those days. Compliance checks on larger or unusual payments can also add a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi. Each payment carries a unique transaction reference, the UETR. Save your transfer receipt until the money has arrived – you will need it for any trace request.

Only the sending bank can request a trace. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Paying into Mega International Commercial Bank Public Company Limited in THB

The local currency of Thailand is the Thai Baht (THB). Money sent in a different currency is exchanged into THB – and the bank that does it picks the rate. Every conversion eats into the amount – usually through the rate rather than a fee.

Who converts the money matters, because each party uses its own rate. Check what THB arrives with different services; the difference between options can be larger than you expect.

The rate for THB fluctuates throughout the day. If you pay regularly, a slightly better rate make a real difference over a year.

Incoming international payments to Mega International Commercial Bank Public Company Limited

A sender in another country needs several details about your account – incomplete details often cause delays. Share your name as the bank knows it, your account number or IBAN, SWIFT code ICBCTHBKXXX and your address.

It helps to add the bank name and Bangkok as well, since some forms ask for it. A mistake in the IBAN can be more trouble than it looks.

Do not be surprised if the incoming amount is below what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. For business payments, you can agree who bears the costs.