Hong Kong Bank Code Lookup Hub: HSBC, DBS, Hang Seng and Standard Chartered Cross-Border Transfer Guide

The key to looking up Hong Kong bank codes is not simply finding a 3-digit number. You first need to identify whether you are making a local bank transfer, FPS instant payment, CHATS transfer, overseas SWIFT wire, or brokerage account deposit. Bank Code, Branch Code, SWIFT/BIC, FPS ID and account number belong to different layers and should not be used interchangeably. HSBC, DBS, Hang Seng and Standard Chartered each have their own bank codes, bank names and SWIFT/BIC codes. For cross-border transfers, overseas banks usually care more about SWIFT/BIC, the bank’s English name, recipient name and account number. For Hong Kong local transfers, Bank Code, Branch Code and account number are more commonly used. Before submitting a payment, cross-check the details with official bank materials, the HKICL list, bank statements and the recipient’s confirmed information.

Key Takeaways

• A Hong Kong Bank Code is usually a 3-digit number used to identify a local Hong Kong bank.
• A Branch Code identifies the account-opening branch and should not simply be replaced by a head-office code.
• For overseas transfers into Hong Kong accounts, SWIFT/BIC is usually more important than the local Bank Code.
• HSBC, DBS, Hang Seng and Standard Chartered bank codes and SWIFT/BIC codes should not be mixed.
• FPS transfers often use a mobile number, email or FPS ID, but the recipient still needs to be verified.
• Common transfer failures are caused by mismatched account names, account numbers, Bank Codes or SWIFT/BIC codes.

What Is the Difference Between Hong Kong Bank Code, Branch Code and SWIFT?

When looking up Hong Kong bank codes, you first need to distinguish four types of information: Bank Code identifies the bank, Branch Code identifies the branch, Account Number identifies the specific account, and SWIFT/BIC identifies the bank for international wire transfers. For a Hong Kong local transfer, you may need the bank code and branch code. For an overseas transfer into a Hong Kong account, you usually need SWIFT/BIC, the bank’s English name, bank address, recipient name and account number. Mixing these fields can lead to manual review, delays, returned transfers and extra charges.

Bank Code, Branch Code and Clearing Code

A Hong Kong Bank Code is usually a 3-digit number used to identify a bank participating in Hong Kong’s local clearing system. For example, HSBC Hong Kong commonly uses Bank Code 004, Hang Seng Bank commonly uses Bank Code 024, DBS Hong Kong commonly uses Bank Code 016, and Standard Chartered Hong Kong commonly uses Bank Code 003. A Branch Code identifies a specific branch and is usually also numeric. It may relate to the account-opening branch, account format or a bank’s internal rules.

The Clearing Code and Branch Code List maintained by Hong Kong Interbank Clearing Limited is an important source for verifying Hong Kong local bank codes and branch codes. This list is useful when you need to confirm whether a bank’s local clearing code or branch code exists, but it is not the full set of details required for every cross-border wire transfer.

In the Hong Kong banking context, Clearing Code often refers to codes related to local bank clearing. Different banks, brokerage platforms or transfer forms may display Bank Code, Clearing Code and Branch Code separately, or combine them into a longer account format. For that reason, you should not assume that one form template works for every bank.

SWIFT/BIC is used for cross-border transfers and is not the same as a local bank code

SWIFT/BIC is used to identify a bank in international wire transfers. It usually contains 8 or 11 characters. When an overseas bank sends money to a Hong Kong bank account, the most common core fields are SWIFT/BIC, the recipient bank’s English name, bank address, recipient name and account number, not just a 3-digit Bank Code.

For example, HSBC Hong Kong’s receiving instructions list HSBCHKHHHKH as its SWIFT code and require The Hongkong and Shanghai Banking Corporation Limited, 1 Queen’s Road Central, the recipient account number and recipient name. HSBC’s business banking information also separates local payment information from wire transfer information: local payments may use Bank Code 004, while telegraphic transfers use SWIFT Address HSBCHKHHHKH.

So if an overseas transfer form asks for SWIFT/BIC, you should not enter 004. If a Hong Kong local transfer asks for Bank Code, you should not only enter HSBCHKHHHKH. They identify different things and belong to different systems.

FPS, CHATS, bank transfers and wire transfers use different logic

FPS is Hong Kong’s instant payment system and is often used for fast local payments between individuals and merchants. The Hong Kong Monetary Authority describes the Faster Payment System as enabling customers to make interbank and e-wallet payments using the recipient’s mobile number or email address, usually with near real-time availability. FPS can also use an FPS ID or QR code, so users may not need to manually enter a Bank Code and Branch Code.

CHATS and RTGS are more relevant to Hong Kong local high-value or interbank clearing. The HKMA’s Payment Systems materials show that Hong Kong has HKD, USD, EUR and RMB payment systems, and HKICL operates the relevant payment systems. Ordinary users may not directly operate CHATS, but banks may use these systems in the background for local or cross-currency settlement.

Summary: The first step in Hong Kong bank code lookup is not copying a code, but identifying the transfer route. Local transfers usually focus on Bank Code, Branch Code and Account Number. FPS often uses a mobile number, email, FPS ID or QR code. Overseas SWIFT wires focus more on SWIFT/BIC, the bank’s English name, recipient name and account number. Bank Code and SWIFT/BIC cannot replace each other, and Branch Code should not be guessed from a head-office code or online example. The safest approach is to confirm the transfer type first, then cross-check HKICL lists, official bank receiving details, bank apps, statements and recipient-confirmed information. For large transfers, brokerage deposits, company receipts and first-time cross-border transfers, do not fill in details from memory.

HSBC, DBS, Hang Seng and Standard Chartered Bank Code Lookup

HSBC, DBS, Hang Seng and Standard Chartered are common receiving banks in Hong Kong, but their Bank Codes, SWIFT/BIC codes, English bank names and account formats should not be mixed. HSBC Hong Kong commonly uses Bank Code 004, DBS Hong Kong uses 016, Hang Seng Bank uses 024, and Standard Chartered Hong Kong uses 003. For cross-border transfers, you should also verify the relevant SWIFT/BIC codes, such as HSBCHKHHHKH, DHBKHKHH, HASEHKHH or SCBLHKHHXXX. Even if two banks are related by brand or group, the transfer form must match the actual bank that holds the receiving account.

Bank Codes and SWIFT/BIC codes for the four common banks

HSBC Hong Kong commonly uses Bank Code 004. HSBC’s information for new customers also explains that Bank Code and Branch Code are not the same: HSBC’s Bank Code is 004, while the first 3 digits in a 12-digit HSBC ATM card number usually represent the Branch Code, and the remaining 9 digits are the account number. This shows that even within the same bank, bank code, branch code and account number must be treated separately.

DBS Hong Kong provides bank name, SWIFT and Bank Code information clearly. DBS Hong Kong’s DHBKHKHH information shows the bank name as DBS Bank (Hong Kong) Limited, the SWIFT code as DHBKHKHH, and the Bank Code as 016.

Hang Seng Bank’s inward remittance FAQ asks users to provide the account holder’s name, bank name, account number and HASEHKHH as the SWIFT code. For remittances from the United States, CHIPS No. 010522 should also be provided. Hang Seng’s Bank Code is commonly 024 and should be distinguished from HSBC 004 in local transfer scenarios.

Standard Chartered Hong Kong’s remittance information lists SCBLHKHHXXX as the SWIFT code, Standard Chartered Bank (Hong Kong) Limited as the bank name, Bank Code 003, and requires the account number and the recipient’s full name registered with Standard Chartered Hong Kong.

Why HSBC and Hang Seng codes should not be mixed

Hang Seng Bank is related to HSBC Group, but that does not mean their codes can be used interchangeably. HSBC Hong Kong commonly uses Bank Code 004, while Hang Seng Bank commonly uses Bank Code 024. If you are transferring to a Hang Seng account and enter HSBC 004 as the bank code, the payment may be delayed, returned or manually processed.

The same applies to SWIFT/BIC. HSBC Hong Kong and Hang Seng Bank are both major banks in the Hong Kong market, but their receiving bank names, SWIFT/BIC codes, account systems and back-end processing are different. The overseas bank checks whether the receiving bank details match the target account, not whether the two banks are part of the same financial group.

This mistake is especially common in brokerage deposits, direct debit authorizations, salary payments, supplier payments and overseas wire forms. You should always use the actual bank where the receiving account is held, not your impression of the brand group.

DBS and Standard Chartered Hong Kong entities must be checked carefully

DBS and Standard Chartered are cross-regional banks, so you must distinguish Hong Kong accounts from accounts in other regions. A DBS Hong Kong account should use the details of DBS Bank (Hong Kong) Limited. A DBS Singapore account should use Singapore bank details. A Standard Chartered Hong Kong account should use Standard Chartered Bank (Hong Kong) Limited. If the receiving account is in the United Kingdom, Singapore or another region, the SWIFT/BIC and bank address may be completely different.

Some cross-border transfer platforms may automatically recommend a bank name based on the selected country or region, but you should still verify where the account is held. If the receiving bank is DBS Hong Kong, do not select DBS Singapore. If the receiving bank is Standard Chartered Hong Kong, do not enter a Standard Chartered SWIFT code from another region. The same brand does not mean the same clearing route.

Summary: HSBC, DBS, Hang Seng and Standard Chartered code lookup should center on the bank entity and account location. HSBC Hong Kong commonly uses Bank Code 004, DBS Hong Kong uses 016, Hang Seng uses 024, and Standard Chartered Hong Kong uses 003. For overseas wires, you must also verify the corresponding SWIFT/BIC, English bank name, bank address, recipient name and account number. The most common mistakes are mixing HSBC and Hang Seng, confusing DBS Hong Kong with DBS Singapore, and using Standard Chartered Hong Kong details for accounts in other regions. When filling in bank codes, do not rely only on a brand name or old screenshot. Use the receiving bank’s official materials and the actual account details.

How to Fill in Details for Cross-Border Transfers to Hong Kong Accounts

For cross-border transfers to Hong Kong accounts, you should usually prepare SWIFT/BIC, the recipient bank’s English name, bank address, recipient’s English name or company name, account number, transfer currency and payment purpose. Local Hong Kong Bank Code and Branch Code are important for local transfers, but they may not be the core fields in overseas wire forms. Brokerage deposits, company receipts and personal transfers may also require a specific reference, customer number, contract or invoice information. Correct codes are only the first step; account name, account number and purpose must also match.

Common fields for overseas wire transfers to Hong Kong accounts

For overseas wire transfers into a Hong Kong bank account, you usually need:

• Recipient’s English name or company name.
• Recipient bank’s English name.
• Recipient bank address.
• SWIFT/BIC.
• Recipient account number.
• Transfer currency.
• Payment purpose or payment reference.
• Charge-bearing option.
• Possible intermediary bank, CHIPS, ABA, Sort Code or local clearing information.

Different sending countries and sending banks may have different requirements. For example, U.S. banks may ask for CHIPS, Fedwire, ABA or intermediary bank details. European banks may be more familiar with IBAN. U.K. banks may show Sort Code. However, Hong Kong accounts do not necessarily have IBANs. If the form fields do not match Hong Kong account requirements, do not casually enter a local Bank Code as a substitute. Contact the receiving bank or transfer platform for confirmation.

Hang Seng Bank’s inward remittance FAQ states that for transfers from the United States to Hang Seng accounts, CHIPS No. 010522 should be provided in addition to the account information and Hang Seng SWIFT code. This shows that even for the same Hong Kong bank, extra fields may be needed depending on the sending country.

Local transfers, brokerage deposits and overseas wires have different priorities

Local HKD transfers, FPS, brokerage deposits and overseas wires do not use the same filling logic. Local transfers more commonly use Bank Code, Branch Code and Account Number. FPS more commonly uses a mobile number, email, FPS ID or QR code. Brokerage deposits focus more on the platform’s designated receiving account, customer number, transfer reference and deposit screenshot. Overseas wires focus more on SWIFT/BIC, bank English name, account name and account number.

Brokerage deposits require particular care. The platform may designate a Hong Kong bank account and require your customer number, brokerage account number or deposit purpose in the transfer reference. Even if the bank code is correct, the platform may not automatically identify the deposit without the reference.

Where to verify account formats and branch codes

Account formats should be verified first through the bank app, statement, cheque book, bank card, account-opening documents or bank customer service. Third-party articles can help explain formats, but they cannot replace the actual details of your account. Wise’s explanation of Hong Kong bank codes notes that bank code, branch code and recipient account number are used together to ensure a payment reaches the right place, and gives HSBC Bank Code 004 as an example.

If you use HSBC, some account information may combine the branch code and account number into one displayed number. DBS, Hang Seng and Standard Chartered may use different account lengths and display formats. The safest approach is not to assume that “the first 3 digits must be the branch code,” but to split the information according to the bank’s own instructions.

Before filling in details, use this order:

1. Confirm the transfer type: local, FPS, brokerage deposit or SWIFT wire.
2. Ask the recipient for complete bank details.
3. Verify SWIFT/BIC and English bank name with official bank materials.
4. Verify Bank Code and Branch Code with the HKICL list.
5. Verify account name and account number with a statement or bank app.
6. Confirm fees, currency and purpose before submission.
7. Save the transfer receipt, transaction reference and recipient-confirmed details.

Summary: For cross-border transfers to Hong Kong accounts, the most important step is confirming the transfer route. Overseas SWIFT wires usually require SWIFT/BIC, the receiving bank’s English name, recipient English name or company name, account number and payment purpose. Hong Kong local transfers focus more on Bank Code, Branch Code and account number. FPS may only require a mobile number, email or FPS ID. Brokerage deposits must follow the platform’s required reference and customer-number instructions. Do not copy local transfer fields directly into an overseas wire form, and do not use one region’s bank details for another region’s account. If the details are unclear, ask the receiving bank or platform instead of guessing from online examples.

Common Mistakes and Risks in Hong Kong Bank Code Lookup

When a Hong Kong bank code is entered incorrectly, the money is usually not instantly “lost,” but it may be delayed, returned, manually reviewed, charged extra fees or become unidentifiable to the recipient platform. The most common mistakes include mixing Bank Code and SWIFT/BIC, duplicating Branch Code and account number, confusing HSBC 004 with Hang Seng 024, entering the wrong DBS or Standard Chartered regional entity, and using a recipient English name that does not match the account name. A cross-border transfer is a bank instruction, not a casual chat transfer. Any mismatch in a key field can affect arrival time and refund handling.

Incorrect bank code, branch code or account-number length

A wrong bank code may cause the payment to point to the wrong bank or be blocked by the sending bank. A wrong branch code may trigger manual processing or delays. A wrong account-number length may cause the system to reject the payment or place the funds under review. Different banks use different account-number lengths, so you should not guess from a universal template.

For example, HSBC account information may display branch code and account number in a specific way on a card or statement. DBS Hong Kong, Hang Seng and Standard Chartered accounts may use different lengths and formats. If you duplicate Bank Code, Branch Code and Account Number, or miss part of the number, the system may fail to match the account automatically.

In brokerage deposits, these errors can easily cause the situation where “the bank has deducted the money, but the brokerage platform has not credited it.” Platforms often match funds using recipient name, sending account, amount, reference and screenshot. Even if the bank details are correct, a wrong reference may still require manual follow-up.

Mixing SWIFT, Bank Code, Sort Code and IBAN

Hong Kong local banks commonly use Bank Code and Branch Code, while international wires use SWIFT/BIC. European banks often use IBAN, U.K. local transfers use Sort Code, and U.S. banks commonly use ABA or Routing Number. These fields belong to different countries and clearing systems, and they cannot be substituted for each other.

If an overseas transfer platform asks for an IBAN but the Hong Kong account has no IBAN, check whether you can select SWIFT/BIC or another bank identifier instead. Do not try to create an IBAN out of a Hong Kong account number. Hong Kong accounts should be filled in according to Hong Kong bank details, and the sending bank form should display fields based on the selected country or region.

When the field name is unclear, use this logic:

• If the form asks for “Bank Code,” do not enter SWIFT/BIC.
• If the form asks for “SWIFT/BIC,” do not enter a 3-digit Bank Code.
• If the form asks for “IBAN,” first confirm whether Hong Kong accounts are supported in that field.
• If the form asks for “Sort Code,” it usually refers to a U.K. local field, not a Hong Kong branch code.
• If the form asks for “Routing Number,” it is usually related to the U.S. local banking system.
• If the form asks for “Reference” or “Message to recipient,” you may need to enter a customer number or payment purpose.

Recipient name, company entity and bank account mismatch

Cross-border transfers are often reviewed not only because of code errors, but also because of account-name mismatches. A personal account receiving company funds, a company account receiving personal funds, inconsistent English spelling, abbreviations that do not match bank records, or a contract entity that differs from the account entity can all lead to additional questions from a bank or platform.

Company receipts require particular attention to the English name. The invoice, contract, receiving account and bank-registered name should ideally match. For personal receipts, confirm the order of surname and given name, as well as spelling, against the bank record. If the recipient uses both Chinese and English names, ask them to provide the English account name recognized by the bank.

Summary: Errors in Hong Kong bank code details can cause more than a short delay. They may lead to returned wires, fee losses, delayed crediting, manual review or temporary fund holds. Common issues include mixing Bank Code with SWIFT/BIC, confusing HSBC with Hang Seng, using DBS Hong Kong and DBS Singapore details interchangeably, using Standard Chartered Hong Kong details for another region, duplicating account number and branch code, and entering a recipient English name that does not match the bank account. Before making a cross-border transfer, treat bank details as formal payment information, not something to fill from memory. The larger the amount, the more complex the purpose, or the more formal the receiving entity, the more important it is to save bank details, invoices, contracts and recipient confirmations in advance.

How to Choose Hong Kong Bank Code Lookup Tools and Sources

Hong Kong bank code lookup should not focus only on finding a number quickly. You need to know whether the source fits your specific transfer scenario. The HKICL list is suitable for checking local Clearing Code and Branch Code. Official bank inward remittance instructions are suitable for checking SWIFT/BIC, English bank name and bank address. Bank apps, statements and account-opening documents are suitable for confirming account name and account number. Third-party Bank Code tools are useful for initial understanding, but real transfers should be verified again. For large wires, company receipts and brokerage deposits, do not rely only on forum screenshots or old Excel sheets.

Prioritize official bank materials and the HKICL list

If you need to look up Hong Kong local bank codes and branch codes, the HKICL list should be a primary source. It regularly publishes a Clearing Code and Branch Code list that is suitable for verifying banks and branches in Hong Kong’s local clearing system. If you need overseas wire details, you should prioritize the receiving bank’s inward remittance instructions, such as those from HSBC, DBS, Hang Seng or Standard Chartered, which provide SWIFT/BIC, bank name and address.

Bank apps, statements and account-opening documents are better for confirming your own account information. The same bank may display different account formats for different accounts, and the account-opening branch may also vary. Third-party Bank Code tools can help you quickly understand the general structure, but they should not replace the receiving bank’s information or actual account details.

Third-party Bank Code tools are useful for screening

Third-party tools are not useless, but you need to understand their role. Wise, Statrys, Aspire, brokerage help centers and similar sources often organize Hong Kong Bank Codes, Branch Codes and account-format explanations, which are useful for beginners trying to understand the concepts. For example, Wise’s Hong Kong bank code materials explain that Bank Code and Branch Code, together with the recipient account number, help ensure the payment reaches the right place.

For users who frequently make cross-border transfers, brokerage deposits or supplier payments, a practical approach is to use third-party tools to confirm the broad direction first, then return to official bank materials and account documents to verify the final fields. If a third-party tool conflicts with official bank materials, use the bank’s and recipient’s confirmed information.

If you only want to make an initial SWIFT search, a tool such as SWIFT lookup can help with preliminary checking. Before making a real transfer, however, you should still cross-check the receiving bank’s information, the transfer platform’s fields and the recipient’s confirmed details.

When to contact the bank or recipient

Some situations should not be guessed. These include large transfers, company receipts, first-time transfers, brokerage deposits, USD or EUR wire transfers, U.S. transfer routes, uncertain CHIPS or ABA information, and cases where the receiving account name does not fully match the contract entity. In these cases, contact the bank or recipient for confirmation.

If the transfer platform’s form fields do not match the receiving bank’s details, do not force the submission. You can ask the sending bank: “Does a Hong Kong account require a Branch Code?” “If there is no IBAN, how should I fill in the form?” “Should the SWIFT/BIC be 8 or 11 characters?” “How will OUR, SHA or BEN charge options affect the received amount?” These questions directly affect the arrival amount and processing time.

Summary: Sources for bank code lookup should be ranked by use case. For Bank Code and Branch Code, prioritize HKICL. For cross-border wire details, prioritize official receiving-bank instructions. For account name and account number, prioritize the bank app, statement and account-opening documents. For concepts and initial matching, third-party tools can help. Before making a real transfer, verify bank code, SWIFT/BIC, account name, account number, payment purpose and charge-bearing option together. This is especially important for large cross-border transfers and company receipts, where code errors can affect arrival, refunds and fees.

From Bank Code Verification to Cross-Border Fund Management

Hong Kong bank code lookup is the entry point to cross-border fund management, not the endpoint. Getting the Bank Code, Branch Code, SWIFT/BIC and account number right is only the first step in avoiding transfer failure. Cross-border funds also involve exchange rates, fees, arrival time, purpose documents, refund routes, compliance review and downstream use of funds. If you only make Hong Kong local transfers, code verification is already important. If you also deal with overseas wires, brokerage deposits, company receipts, multi-currency conversion or asset trading, you need to manage bank transfers, FX conversion, receiving and trading platforms separately.

Why bank codes are only one part of cross-border payments

A cross-border transfer may look like a simple bank-details form, but it actually includes several stages: sending bank review, SWIFT message, intermediary bank processing, receiving bank crediting, recipient identification, fee deduction and later accounting records. Correct bank codes do not guarantee that the received amount will match expectations. Exchange rates, transfer fees, intermediary-bank fees, receiving-bank fees, currency conversion and refund rules all affect the final result.

For overseas transfers into Hong Kong accounts, confirm SWIFT/BIC, recipient name, account number and receiving currency. For transfers from Hong Kong to overseas accounts, confirm the banking identifier required by the recipient country. For brokerage deposits, confirm the platform’s designated bank and reference. For company receipts, verify the contract, invoice and account entity.

Cross-border fund management checks include:

• Whether the receiving bank code is correct.
• Whether the SWIFT/BIC matches the Hong Kong account.
• Whether the recipient name matches the account.
• Whether the exchange rate and fees are acceptable.
• Whether the receiving currency and expected arrival time are confirmed.
• Whether payment purpose and documents are complete.
• Whether brokerage deposits or platform receipts require a specific reference.
• Whether later FX conversion, investment or withdrawal creates extra costs.

How to separate remittance, FX conversion, receiving and asset scenarios

Remittance depends on SWIFT, bank codes, recipient details, fees and arrival time. FX conversion depends on the transaction exchange rate, spread, limits and settlement currency. Receiving depends on account entity, bank proof, tax and purpose. Asset trading depends on the trading platform, deposit route, fee disclosure, risk and local rules. These four issues cannot be solved by a single bank code list.

If you also need multi-currency fund planning, you can use real-time exchange rates to estimate costs between different currencies first, then confirm actual quotes through your bank, remittance provider or trading platform. For users who need cross-border payment records, USDT conversion into USD or HKD, and access to U.S. stocks, Hong Kong stocks and digital assets, Biya can be considered as one tool within a broader fund-management setup.

It is important to understand that Biya web trading is a browser-based trading platform covering U.S. stocks, Hong Kong stocks and digital assets, which belongs to the trading scenario. Bank transfers, FPS, SWIFT wires and payment tools belong to fund-movement scenarios. Biya lists U.S. stock trading commission at $0; platform fees, external institution fees and other trading-related charges should be checked in the fee center and order screen. Cross-border remittance fees, bank code verification and trading-platform fees should not be judged by the same standard.

Summary: Hong Kong bank code lookup is a basic step in cross-border fund management, but it is not the whole process. You need to fill in Bank Code, Branch Code, SWIFT/BIC, account name and account number correctly, and then verify exchange rate, fees, arrival time, purpose documents and downstream fund use. For local transfers, code verification reduces transfer errors. For overseas transfers, brokerage deposits, multi-currency funds and asset trading, you need to manage bank transfers, FX conversion, receiving and trading platforms separately. Tools such as Biya can be part of a multi-currency and asset workflow, but they do not replace the receiving bank’s official remittance information, and trading fees should not be confused with bank transfer fees.

When you need more than “HSBC, DBS, Hang Seng or Standard Chartered bank code lookup,” and you regularly handle cross-border payments, Hong Kong account receiving, brokerage deposits, multi-currency conversion or asset trading, you should build a clear fund-detail verification process. First use HKICL, bank apps and official bank materials to confirm codes. Then use the transfer platform to verify fees, currency and arrival time. Finally, save contracts, invoices, screenshots and transaction references according to the fund purpose. For broader cross-border fund planning, Biya can be considered as a multi-asset trading wallet that supports USDT conversion into major fiat currencies such as USD or HKD and provides access to U.S. stocks, Hong Kong stocks and digital assets. Before using any service, check supported regions, identity verification, fee disclosures, risk statements, tax treatment and local regulations.

FAQ

What is the difference between a Hong Kong Bank Code and a SWIFT code?

A Hong Kong Bank Code is mainly used to identify a local bank, while a SWIFT code is mainly used to identify a bank in international wire transfers. Local transfers often use Bank Code, Branch Code and account number. Overseas transfers into Hong Kong accounts usually require SWIFT/BIC, the bank’s English name, account name and account number.

What is the HSBC Hong Kong Bank Code?

HSBC Hong Kong commonly uses Bank Code 004. For overseas transfers to an HSBC Hong Kong account, you should also verify HSBCHKHHHKH, The Hongkong and Shanghai Banking Corporation Limited, the recipient’s English name and the account number. You should not rely only on the bank code.

Can I use HSBC 004 for a Hang Seng Bank account?

No, you should not use HSBC 004 for a Hang Seng Bank account. Hang Seng Bank commonly uses Bank Code 024. Even though Hang Seng is part of HSBC Group, the local clearing code is different. Using the wrong bank code may cause delay, return or manual review.

Are DBS Hong Kong and DBS Singapore codes the same?

No, DBS Hong Kong and DBS Singapore codes are not the same. A DBS Hong Kong account should use DBS Bank (Hong Kong) Limited, Bank Code 016 and DHBKHKHH. A DBS Singapore account should use the corresponding Singapore bank details. Do not fill in details based only on the brand name.

What details are needed for a Standard Chartered Hong Kong cross-border transfer?

A Standard Chartered Hong Kong cross-border transfer usually requires Standard Chartered Bank (Hong Kong) Limited, SCBLHKHHXXX, the recipient’s full name and account number. Bank Code 003 is more commonly used for Hong Kong local transfers. For overseas wires, prioritize SWIFT/BIC and English bank details.

Will money be lost if a Hong Kong Bank Code is entered incorrectly?

Money is usually not immediately lost if a Hong Kong Bank Code is entered incorrectly, but the transfer may be delayed, returned, charged extra fees or manually reviewed. Once you notice an error, contact the sending bank, receiving bank or platform support as soon as possible, and keep the transaction reference, payment screenshot and recipient details.