SWIFT Code for PAO BANK LIMITED in Hong Kong
PONCHKH2XXX
The primary BIC/SWIFT code for PAO BANK LIMITED in Hong Kong is PONCHKH2XXX. This code is used to identify the bank as a whole during international financial transactions.
| Bank Name | PAO BANK LIMITED |
| Bank Address | 1903, FLOOR 19, NEO, 123 HOI BUN ROAD, KWUN TONG, KOWLOON |
| City | KWUN TONG |
| Country | 🇭🇰 Hong Kong |
| Bank Code | PONC |
| Country Code | HK |
| Location Code | H2 |
| Branch Code | XXX |
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Sending Money to PAO BANK LIMITED in KWUN TONG
Follow these three steps to ensure your international wire transfer reaches the correct account at the KWUN TONG branch without delays or hidden intermediary fees.
- Step 1: Collect Recipient Details. You will need the full legal name of the account holder and their IBAN (International Bank Account Number). For Hong Kong, IBANs typically start with the prefix HK.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter PONCHKH2XXX. This unique 11-character identifier ensures the funds are routed specifically to the PAO BANK LIMITED systems in KWUN TONG.
- Step 3: Confirm the Transfer Method. If you are sending from within Europe, select SEPA for lower fees and faster delivery. For transfers from outside the EU (e.g., USA, India, or Australia), ensure you select SWIFT/International Wire and double-check if your bank requires an intermediary bank for Hong Kong transactions.
Where can I find my SWIFT/BIC code?
You can find your SWIFT/BIC code in several easy-to-locate places:
- On your bank statements, either printed or online.
- Inside your online banking portal, under account information.
- On your bank’s official website, usually in their international banking or FAQ section.
- By directly contacting your bank’s customer service.
Online resources like SWIFT Codes Finder can be really helpful.
Example of transaction information
- Beneficiary Name: [Recipient Name]
- Bank: [Bank Name]
- SWIFT/BIC Code: [SWIFT Code]
- Bank Address: [Street, City, Country]
- Account Number/IBAN: [Account Number or IBAN]
Frequently Asked Questions
Is PONCHKH2XXX the correct code for all PAO BANK LIMITED branches?
No. While many banks use a "Head Office" code ending in XXX, the code PONCHKH2XXX is specifically assigned to the KWUN TONG location. Using this specific 11-character code helps the bank’s automated systems credit the recipient’s account faster than using a generic national code.
Can I use this code for a SEPA transfer to Hong Kong?
Yes. If you are sending Euro-denominated funds from another SEPA-member country, you can use this BIC/SWIFT code alongside the recipient’s IBAN. However, most modern European banks only require the IBAN to route SEPA payments automatically.
How long does a transfer to PAO BANK LIMITED usually take?
International transfers to PAO BANK LIMITED using the SWIFT network typically take 1 to 3 business days. Factors that can cause delays include:
- Time zone differences between the sender and Hong Kong.
- Local public holidays in Hong Kong.
- Required "Know Your Customer" (KYC) checks for large amounts.
Are there fees for receiving money at the KWUN TONG branch?
Most banks in Hong Kong charge an "Incoming Wire Fee" for international transfers. For PAO BANK LIMITED, these fees vary based on the account type but typically range from a small flat fee to a percentage of the total. It is recommended to send funds using the "OUR" instruction if you want the recipient to receive the exact amount sent.
What happens if I use the wrong SWIFT code?
If you use a code for a different branch of PAO BANK LIMITED, the money will usually still arrive but may be delayed by 24–48 hours as it is manually rerouted. If you enter a completely incorrect code, the funds will likely be returned to your account within 5–10 business days, minus any processing fees.
Do I need a PAO BANK LIMITED SWIFT code for international money transfers?
Yes. If you are sending money from abroad to an account at PAO BANK LIMITED, you will almost certainly need their SWIFT code (also known as a BIC).
The SWIFT code PONCHKH2XXX acts as a digital address for the KWUN TONG branch. Without it, the sending bank won’t know which specific institution in Hong Kong should receive the funds, which often leads to the transfer being rejected or stuck in "limbo". However, the requirements change slightly depending on where the money is coming from:
- Transfers from outside the EU/EEA (e.g., USA, Canada, India): A SWIFT code is mandatory. You must provide PONCHKH2XXX along with the recipient’s name and IBAN.
- Transfers from within Europe (SEPA): If the sender is in a SEPA-member country, many modern banks only require the IBAN. However, providing the SWIFT code PONCHKH2XXX is still recommended as a backup to ensure the transfer is routed instantly to the KWUN TONG branch.
- Domestic Transfers: If you are sending money from another bank inside Hong Kong, you typically do not need a SWIFT code; a local account number or IBAN is sufficient.
Pro Tip: Always double-check the 8th and 11th characters. For PAO BANK LIMITED, using the specific branch code PONCHKH2XXX instead of the generic head office code ensures the money hits the correct local ledger in KWUN TONG without manual intervention.
SWIFT Codes for main Hong Kong banks
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