SWIFT codes in Hong Kong
HK · HKD
21 banks in Hong Kong, from CITIBANK (HONG KONG) LIMITED (CITIHKAX) onward; every code carries HK as its country part.
Banks
21
SWIFT codes
1
Branches
3
Currency
HKD
Banks and SWIFT codes in Hong Kong
CCITIBANK (HONG KONG) LIMITED
| SWIFT/BIC | City |
|---|---|
CITIHKAXIPB | KWUN TONG |
CITIHKAXMTG | KWUN TONG |
CITIHKAXXXX | KWUN TONG |
Hong Kong SWIFT code questions
What does a Hong Kong SWIFT code look like?
CITIHKAXXXX (CITIBANK (HONG KONG) LIMITED): bank CITI, country HK, location AX, branch XXX.
What are the SWIFT codes for major Hong Kong banks?
Key Hong Kong bank SWIFT codes include: HSBC Hong Kong — HSBCHKHH, Hang Seng Bank — HASEHKHH, Bank of China Hong Kong — BKCHHKHH, Standard Chartered Hong Kong — SCBLHKHH, Citibank Hong Kong — CITIHKHX, DBS Hong Kong — DHBKHKHH, and Bank of East Asia — BEASHKHH.
Do I need a SWIFT code or FPS ID for international transfers to Hong Kong?
FPS (Faster Payment System) is Hong Kong's domestic real-time payment network and cannot receive international SWIFT transfers. For international transfers from outside Hong Kong, the sender needs the recipient bank's SWIFT/BIC code plus the full bank account number. FPS is only used for local HKD and CNY transfers within Hong Kong.
How long does a SWIFT transfer to Hong Kong take?
SWIFT transfers to Hong Kong typically arrive within one to two business days. As a major international financial hub, Hong Kong banks have extensive correspondent relationships that facilitate fast settlement. Transfers from the US, UK, and Europe usually arrive within one business day for major currencies like USD, GBP, and EUR.
Are there fees for receiving a SWIFT transfer in Hong Kong?
Hong Kong banks typically charge an inbound telegraphic transfer (TT) fee, often HKD 50–200 per transaction. If the transfer arrives in a currency other than the account currency, the bank will apply its own exchange rate for conversion. HSBC, Hang Seng, and Standard Chartered may waive inbound fees for premium banking customers.
Can I receive multiple currencies in my Hong Kong bank account?
Yes. Hong Kong banks commonly offer multi-currency accounts that can hold HKD, USD, EUR, GBP, CNY, and other currencies. This is a major advantage of Hong Kong's banking system — you can receive international transfers in the original currency without automatic conversion. Confirm with the sender which currency you prefer to receive.
What is the difference between sending USD and HKD to Hong Kong?
The HKD is pegged to the USD at approximately 7.75–7.85, so conversion between the two is predictable. Sending in USD to a multi-currency account avoids conversion entirely. If the recipient only has an HKD account, both currencies will result in similar outcomes due to the peg. For other currencies like EUR or GBP, the bank's conversion rate and fees may differ depending on which currency you send.
How SWIFT works in Hong Kong
Hong Kong is a major cross-border banking hub, so SWIFT is much more central here than in domestic-only retail markets. Businesses and expatriates often receive USD, EUR, GBP, and CNY payments into Hong Kong accounts, which means correspondent-bank routing and settlement currency choices matter.
- A Hong Kong bank account may support multiple currencies, but the beneficiary bank can still apply different inward-remittance fees or conversion spreads depending on the currency received.
- If the sender can choose between USD and HKD settlement, it is worth confirming which one leaves the recipient with the better net result after fees and FX conversion.
- For mainland-China-related payments, do not assume a Hong Kong SWIFT route behaves like a domestic CNY transfer. Compliance checks, beneficiary naming standards, and settlement times can differ meaningfully.
Send money to Hong Kong
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