ICBC Hong Kong Bank Code: 072, SWIFT & Transfer Details

Q: What is ICBC (Asia)'s bank code in Hong Kong?

It is 072, according to ICBC (Asia). Preserve the leading zero when entering the code.

Q: What is the SWIFT code for ICBC (Asia)?

The bank lists UBHKHKHH for remittances. Confirm the recipient's bank entity and any additional requirements with the sending provider.

Q: Is 072 the branch code?

072 is the ICBC (Asia) bank code. If a payment form asks separately for a branch code, obtain the right value and account format from the recipient or the bank.

The Hong Kong bank code for Industrial and Commercial Bank of China (Asia) Limited, commonly called ICBC (Asia), is 072. Its SWIFT code is UBHKHKHH. The bank lists both in its official remittance guide.

These details apply to ICBC (Asia). ICBC also has a Hong Kong Branch with a different SWIFT code. Check the recipient's full bank name before submitting a payment.

ICBC (Asia) Hong Kong: Details at a Glance

Transfer detail	What to use or check
Full bank name	Industrial and Commercial Bank of China (Asia) Limited
Hong Kong bank code	072
SWIFT / BIC	UBHKHKHH
Bank address	Use the account-opening branch address. If it is unknown, the bank says to use 33/F, ICBC Tower, 3 Garden Road, Central, Hong Kong.
Beneficiary account	Use the account number supplied by the recipient. ICBC (Asia)'s personal deposits FAQ specifies a 12-digit bank account number for inward remittances.
Beneficiary name	Use the name provided for the receiving account and check the sender's requirements.
Branch code	If requested separately, confirm the correct code and how the sending form expects the account number to be entered.

The address, bank code and SWIFT code come from ICBC (Asia)'s remittance instructions. Its personal deposits FAQ lists the 12-digit account number and cautions against using the debit-card number. For a business account or an unusual payment route, ask the recipient or bank for the relevant account-specific instructions.

Bank Code, SWIFT Code and Branch Code: Which One Do You Need?

The field on your payment screen determines which identifier to use:

Bank code 072: identifies ICBC (Asia) for Hong Kong local interbank transfer instructions. Keep the leading zero.
SWIFT code UBHKHKHH: identifies ICBC (Asia) for international remittance instructions.
Branch code: refers to a branch or routing detail. It is not the same field as the three-digit bank code and must be confirmed for the particular account and form.
Account number: identifies the beneficiary's account. It is separate from the bank code and should be provided by the recipient.

Not every form asks for every field. For example, a payment provider may ask for a bank and account number, while another may offer an FPS identifier. Follow the form and verify the details with the recipient rather than copying a code into a field with a different label.

Is ICBC Hong Kong Branch the Same as ICBC (Asia)?

No. The two names are similar, but their official pages list different SWIFT codes:

Institution	Officially listed SWIFT code
Industrial and Commercial Bank of China (Asia) Limited	UBHKHKHH
Industrial and Commercial Bank of China Limited, Hong Kong Branch	ICBKHKHH

Sources: ICBC (Asia) remittance guide and ICBC Hong Kong Branch contact information. Both pages list the same Central address, so an address alone is not enough to distinguish the institutions. Confirm the account-holding entity with your recipient.

How to Send Money to an ICBC (Asia) Account

From another Hong Kong bank

Ask the recipient for the exact account name, bank name and account number, or the FPS identifier they have chosen to provide.
Choose the transfer method offered by your bank. If the form requests a bank code for ICBC (Asia), enter 072.
Enter the account information as instructed. If a separate branch-code field appears, check it with the recipient or bank; do not assume it is 072 or split the account number without confirmation.
Check the amount, currency and reference, then review the beneficiary and applicable charges before authorising the transfer.

The bank's remittance guide explicitly instructs senders to use 072 for local interbank transfers. A form's exact fields and limits depend on the sending institution and method.

From outside Hong Kong

Give the sender the recipient's confirmed account name and number, the full bank name Industrial and Commercial Bank of China (Asia) Limited, and UBHKHKHH as the SWIFT code. Include the bank address requested by the sending institution: ICBC (Asia) says to use the account-opening branch address or its published Central address if the branch address is unknown.

The sending bank may also request the recipient's address, the purpose of payment, or other documents. Check the currency and who pays the charges before confirming. If an overseas form requests an identifier that the recipient cannot provide, ask the sending provider how to proceed rather than inventing one.

For a comparison of payment routes in the opposite direction, sending money from Hong Kong to the US involves a different set of beneficiary details, including a US routing number for eligible ACH payments.

How should you handle the 12-digit account number?

ICBC (Asia)'s personal deposits FAQ asks customers to provide their 12-digit bank account number, not the number printed on the debit card. It also explains that the last digit of an integrated account can affect which sub-account receives funds. Ask the recipient which account number and currency to use; do not change the final digit yourself.

If the payment form divides the number into separate branch and account fields, obtain the exact format from the beneficiary or sending bank. A generic example from another Hong Kong bank is not a reliable way to decode an ICBC (Asia) account.

What Can Affect the Cost and Arrival Time?

The right code is necessary, but it is only one part of the payment. The route, currency, account terms and time of submission also matter.

Transfer charges: Check both the sending provider's fee and any receiving or intermediary charges that may apply. ICBC (Asia) publishes its service-charge schedules; select the schedule and account terms that apply to the transaction.
Exchange rate: If one currency is converted into another, compare the quoted rate as well as the transfer fee. A low headline fee does not by itself tell you the recipient's final amount.
Payment route and cut-off: Local and international routes have different processing arrangements. Ask the provider for the estimated credit time for your actual route, including any cut-off or public-holiday effects.
Incomplete or mismatched details: A mistake in the bank entity, account number or recipient details may require investigation or correction. Save the payment reference and contact the sending provider if the transfer is delayed.

For frequent payments, compare the total cost for the same amount, currencies and destination: the transfer charge, conversion cost, potential intermediary or receiving deductions, and any account or platform fees. Also compare when the recipient can actually use the funds, not just when a payment instruction is submitted.

Comparing PhotonPay with a Traditional Bank for Business Payments

Getting the bank details right solves one part of a payment. For a business paying suppliers month after month, the next questions are just as practical: how much will each transfer cost, when will the money arrive, and how much time will the finance team spend managing it?

PhotonPay gives eligible businesses another way to handle those payments alongside their bank accounts:

Keep a closer eye on costs. An international wire can involve more than the bank's sending fee: the exchange rate and intermediary charges can affect the final amount too. PhotonPay Convert offers competitive FX pricing, while supported local payout routes can reduce reliance on correspondent banks. For recurring payments, even small differences in the total cost can add up.
Make time-sensitive payments more flexible. PhotonPay Movement supports both fiat and stablecoin payout routes. Eligible stablecoin transfers can move outside traditional banking hours, giving businesses another option when timing matters. Payments to bank accounts can still depend on local processing and the receiving bank.
Put foreign-currency balances to work. Suppose a business receives USD from customers and also pays suppliers in USD. With Photon Wallet, eligible businesses can manage supported currencies in one place and, where the same currency is available for both collection and payout, use it without an unnecessary conversion. As with any multi-currency account, the currencies available for receiving, holding and paying out may differ.
Spend less time switching between tools. PhotonPay brings supported balances and payment activity into a single dashboard, with API access for businesses that want to connect payment workflows to their own systems. For a finance team dealing with overseas suppliers, that can make it easier to see what's coming in and going out.

The actual benefit depends on the currencies, destination and route. Compare PhotonPay's quote and expected arrival time with your bank's for the same payment; include any intermediary or receiving fees. Products and services also vary by customer and jurisdiction, and not all are available to Hong Kong customers, as noted on PhotonPay's website.

Frequently Asked Questions

What is ICBC (Asia)'s bank code in Hong Kong?

It is 072, according to ICBC (Asia). Preserve the leading zero when entering the code.

What is the SWIFT code for ICBC (Asia)?

The bank lists UBHKHKHH for remittances. Confirm the recipient's bank entity and any additional requirements with the sending provider.

Is ICBKHKHH the SWIFT code for ICBC (Asia)?

No. The ICBC Hong Kong Branch lists ICBKHKHH; ICBC (Asia) lists UBHKHKHH. Verify which institution holds the beneficiary's account.

Is 072 the branch code?

072 is the ICBC (Asia) bank code. If a payment form asks separately for a branch code, obtain the right value and account format from the recipient or the bank.