Bank Code Verified


Swift Code: HNBKCNBS917




Postcode: 350000

Country: China


Swift codes play a crucial role in the world of international banking. These unique codes act as a global identification system for financial institutions, helping to facilitate secure and efficient cross-border transactions.

In this article, we will explore the purpose and importance of Swift codes, shedding light on their role in connecting banks and enabling seamless international money transfers. So, let’s dive in and unravel the mystery behind Swift codes.



What is a Swift code?

– A Swift code is an alphanumeric code used to identify a particular bank or financial institution in an international transaction.

It stands for Society for Worldwide Interbank Financial Telecommunication, the organization responsible for assigning and regulating these codes.

The structure of a Swift code

– A typical Swift code consists of 8 to 11 characters, divided into four parts. The first four characters represent the bank code (HNBK in the given code), followed by the country code (CN), location code (BS9), and the branch code (17 in this case).

The purpose of Swift codes

– Swift codes are essential for ensuring accurate and secure transfer of funds between banks located in different countries. They act as an international address, enabling financial institutions to identify each other and establish a connection for smooth cross-border transactions.

Who uses Swift codes? – Swift codes are primarily used by banks, financial institutions, and other participants in the global financial system.

When you send or receive money internationally, the Swift code of the respective banks involved allows for the smooth transfer of funds. TOPIC 2: THE ROLE OF SWIFT CODES IN INTERNATIONAL BANKING

Efficiency and reliability

– Swift codes play a crucial role in enabling efficient and reliable cross-border transactions. With a standardized identification system in place, financial institutions can easily locate and communicate with each other, streamlining the process of sending and receiving funds.

Connecting financial institutions

– The given Swift code, HNBKCNBS917, belongs to Hua Nan Commercial Bank, Ltd., based in Fuzhou, China. This code acts as a vital link that connects the bank’s branch in Fuzhou with other financial institutions worldwide.

It allows for seamless communication and collaboration, making international banking a smooth and hassle-free experience.

Enhanced security

– Swift codes ensure the security of international transactions by maintaining a closed network among authenticated financial institutions. This closed system reduces the risk of fraudulent activities and unauthorized access, providing peace of mind to both banks and their customers.

Confirmation of accuracy

– When you provide the Swift code of your recipient’s bank, you ensure that the money reaches the intended destination accurately. By adding this specific code, you minimize the chances of errors or delays in the transfer process.

Economic impact

– The efficient functioning of international banking, enabled by Swift codes, has a significant impact on global trade and commerce. This system fosters economic growth by facilitating smooth transactions between businesses and individuals across borders, spurring international trade and investment.


In conclusion, Swift codes are a critical component of the global banking system, providing a standardized identification system for financial institutions worldwide. Through their unique codes, like HNBKCNBS917, banks can securely and efficiently connect with each other, enabling seamless international transactions.

These codes play a vital role in enhancing the efficiency, security, and reliability of cross-border payments, ensuring that money reaches its intended recipients accurately. So the next time you send or receive money internationally, remember the role that Swift codes play in making it all possible.



HUA NAN COMMERCIAL BANK, LTD. is a prominent financial institution based in Fuzhou, China.

The bank has a rich history dating back to 1919, making it one of the oldest banks in China. Over the years, HUA NAN has established itself as a trusted name in the banking industry, offering a range of services to its customers domestically and internationally.

Services Offered by HUA NAN COMMERCIAL BANK, LTD. 1.

Commercial Banking: HUA NAN provides a comprehensive suite of commercial banking services to its customers. These services include corporate loans, trade financing, treasury services, and cash management solutions.

The bank’s expertise in commercial banking has earned it a well-deserved reputation as a trusted partner for businesses across various sectors. 2.

Retail Banking: HUA NAN also caters to the needs of individual customers through its retail banking services. These services include personal loans, mortgages, savings accounts, and credit cards.

With a strong focus on customer satisfaction, the bank aims to provide convenient and reliable banking solutions to individuals. 3.

Wealth Management: HUA NAN offers wealth management services to cater to the needs of high-net-worth individuals and institutional investors. Through personalized investment strategies, the bank aims to help clients grow and protect their wealth.

Services include investment advisory, portfolio management, and estate planning. 4.

International Banking: With its branch network and extensive correspondent banking relationships, HUA NAN is well-equipped to serve customers with international banking needs. The bank facilitates cross-border transactions, foreign currency exchange, and trade finance services, ensuring smooth and efficient international business operations.

Commitment to Innovation and Technology

HUA NAN COMMERCIAL BANK, LTD. places a strong emphasis on embracing innovation and leveraging technology to enhance its services.

The bank has invested in digital banking solutions, including internet banking and mobile banking applications, to provide customers with convenient access to their accounts and a seamless banking experience.

Social Responsibility and Corporate Citizenship

As a responsible corporate citizen, HUA NAN COMMERCIAL BANK, LTD. actively engages in various corporate social responsibility initiatives.

The bank supports educational, environmental, and community development programs, aiming to make a positive impact on society while fulfilling its role as a financial institution. TOPIC 4: COMMON USES OF SWIFT CODES


Wire Transfer: One of the most common uses of Swift codes is in facilitating international wire transfers. When sending money overseas, the sender’s bank and the recipient’s bank communicate using their respective Swift codes to ensure accurate and secure transfer of funds.

2. Interbank Communication: Swift codes serve as unique identifiers for financial institutions, enabling seamless communication between banks.

They are used for transmitting information related to transactions, inquiries, and other banking activities, ensuring efficient collaboration between banks on a global scale. 3.

Currency Exchange: Swift codes play a role in currency exchange services offered by banks. When converting money from one currency to another, Swift codes help identify the specific banks involved in the transaction, ensuring that the funds are exchanged at the correct rate and routed through the appropriate channels.

4. Trade Finance: For international trade transactions, Swift codes are crucial in facilitating trade finance services such as letters of credit and documentary collections.

These codes help banks verify the authenticity of the issuing and receiving banks, ensuring the smooth flow of trade-related payments. 5.

Account Verification: When setting up a new account with a foreign bank, Swift codes are often required to verify the identity and legitimacy of the financial institution. Providing the correct Swift code ensures that the account is set up with the intended bank, preventing potential errors or fraud.

6. Correspondent Banking: Swift codes play a vital role in correspondent banking, where banks establish relationships to provide services on behalf of each other in different countries.

Correspondent banks use Swift codes to accurately identify and connect with their partner banks, facilitating efficient cross-border banking operations. 7.

International Bill Payments: When paying bills internationally, Swift codes are essential for directing the payment to the correct recipient bank. Whether it is utility bills, tuition fees, or mortgage payments, using the correct Swift code ensures that the funds are credited to the intended account.

8. International Investment Transactions: Swift codes are frequently used in international investment transactions, such as buying and selling stocks, bonds, or other securities.

These codes help financial institutions track and settle investment transactions accurately, ensuring the smooth functioning of global capital markets. In conclusion, HUA NAN COMMERCIAL BANK, LTD.

is a reputable financial institution based in Fuzhou, China, offering a wide range of banking services to its customers domestically and abroad. Swift codes play a critical role in facilitating international banking, connecting HUA NAN with other financial institutions worldwide.

These unique codes enable secure and efficient cross-border transactions, ensuring the accurate and timely movement of funds. Whether it is wire transfers, interbank communication, trade finance, or any other common use, Swift codes are fundamental to the smooth functioning of the global financial system.

By understanding the purpose and significance of Swift codes, individuals and businesses can navigate the complexities of international banking with confidence and ease.

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