OCBC Hong Kong Bank Code: 035, 044 and SWIFT Details

Q: What is the bank code for OCBC Bank (Hong Kong) Limited?

Its inward remittance sheet lists 035 for direct HKD and CNY RTGS instructions. Confirm the code for your recipient's account and payment method.

Q: What is OCBC Bank (Hong Kong) Limited's SWIFT code?

The bank gives WIHBHKHH in its inward remittance instructions. OCBC Hong Kong Branch is shown with OCBCHKHH on the bank's Network Transfer page. Use the code for the account-holding institution.

For OCBC Bank (Hong Kong) Limited, the bank's inward remittance instructions list 035 as the bank code for direct HKD and CNY RTGS payments and WIHBHKHH as its SWIFT address. The document identifies the bank as OCBC Bank (Hong Kong) Limited, at 161 Queen's Road Central, Hong Kong.

You may also encounter 044 or 022 when looking up OCBC. Those numbers need context: 044 appears in a public directory under OCBC Bank (Hong Kong) Limited, while 022 is listed under a different OCBC entity. Neither should be substituted for the details supplied for a particular account. If the recipient's instructions differ from a search result, check with the recipient or the bank before sending.

The Details to Check Before You Pay

Field	For OCBC Bank (Hong Kong) Limited
Bank name	OCBC Bank (Hong Kong) Limited
Bank code	035 in the bank's instructions for direct HKD and CNY RTGS payments
SWIFT / BIC	WIHBHKHH in the bank's inward remittance instructions
Bank address	161 Queen's Road Central, Hong Kong, as listed in those instructions
Beneficiary details	The account name and account number supplied by the recipient
Branch code	If the payment form asks for one, confirm the code for that account with the recipient or bank

The bank's customer information sheet is marked effective June 2023. For a particular account or currency, the recipient should confirm current instructions with OCBC; overseas senders may be asked for additional information or routing details.

Why Do 035, 044 and 022 All Appear in OCBC Searches?

The three numbers do not mean the same thing. Two are associated in a public directory with the Hong Kong incorporated bank; the third is listed for a separate institution.

035: the code in OCBC Hong Kong's remittance instructions

OCBC Bank (Hong Kong) Limited's own inward remittance sheet specifies 035 alongside WIHBHKHH for direct HKD and CNY RTGS instructions. That is the clearest starting point when the receiving account is held with this bank, subject to the recipient's account-specific instructions.

044: a separate directory entry that needs checking

The independent HKBankCode directory lists both 035 and 044 under OCBC Bank (Hong Kong) Limited and shows different branch records for each. Its directory says its clearing-code data was updated on 24 October 2026. A directory entry alone does not establish that 044 is the right code for your recipient or payment route. If 044 appears in the recipient's details, confirm how it should be used with OCBC or the sending provider; do not replace it automatically with 035.

022: a different OCBC institution

The HKBankCode institution directory lists 022 under Oversea-Chinese Banking Corporation Ltd, separately from OCBC Bank (Hong Kong) Limited. OCBC's Network Transfer page likewise distinguishes OCBC Hong Kong Branch, with SWIFT code OCBCHKHH, from OCBC Bank (Hong Kong) Limited, with WIHBHKHH.

An invoice that says only “OCBC Hong Kong” can therefore leave an important question unanswered: which entity holds the account? Ask for the full bank name and account-specific payment instructions before choosing a code.

What about an OCBC Wing Hang account?

Older references may use the Wing Hang name. OCBC says it unified its brand in Hong Kong in 2023, but a familiar name on an old document is not enough to determine the correct payment instructions today. Use the current account details provided by the beneficiary.

Bank Code, Branch Code or SWIFT: What Does the Form Want?

These fields answer different questions:

A bank or clearing code identifies a bank or clearing participant in Hong Kong. For OCBC Bank (Hong Kong) Limited, the bank's remittance sheet specifies 035 for the direct HKD and CNY RTGS instructions described above.
A branch code identifies a branch or service point. It is not automatically the same as the bank code. OCBC branch records can contain more than one code for the same branch name, so choosing a number simply because it matches a location is risky.
A SWIFT/BIC identifies the institution in international payment instructions. OCBC Bank (Hong Kong) Limited gives WIHBHKHH in its inward remittance sheet.
The account number identifies the beneficiary's account. Enter the number the recipient provides; do not infer its length or split it into branch and account fields without confirmation.

Some local payments can use an FPS identifier or another form of recipient detail instead of a bank-code field. HKICL explains that FPS supports real-time Hong Kong dollar and renminbi payments. Use the method and fields offered by your provider, and verify the recipient before authorising the payment.

Sending Money to an OCBC Hong Kong Account

If you are paying from Hong Kong

Start with the beneficiary's full bank name, account name and account number, or the FPS details they have chosen to provide. Select the appropriate local payment method in your bank's app or payment platform. If it asks for a clearing code, use the code confirmed for the recipient's account; if a separate branch code is required, ask for that too.

Keep the leading zero in 035. Before submitting, check the currency, amount and payment reference, along with any transfer limits or fees shown by your provider.

If you are sending an international wire

For an account at OCBC Bank (Hong Kong) Limited, the bank's instructions list the bank name, address and WIHBHKHH, followed by the beneficiary name and account number. The same sheet provides correspondent-bank information for different currencies, so ask the recipient or sending bank which instructions apply to the currency and route you are using.

The sending bank may ask for a recipient address, payment purpose or supporting documents. Check its requirements rather than assuming that the bank code and SWIFT code alone are enough. An international payment also differs from a domestic payment in the destination country; for example, a business sending money from Hong Kong to the US may need a US routing number when using an eligible ACH route.

What Does an OCBC Business Transfer Cost?

The answer depends on the service and destination. One useful published example is OCBC Network Transfer: the bank quotes HK$200 per transaction for qualifying transfers from OCBC Bank (Hong Kong) Limited to specified OCBC entities, with the beneficiary receiving the full transfer value. It also advertises same-day transfers subject to cut-off times.

This is a defined service, not a price for every overseas payment. The listed routes pair specific beneficiaries and currencies: OCBC Singapore in SGD, OCBC London Branch in GBP, OCBC Bank (Macau) Limited in MOP, and OCBC Hong Kong Branch in HKD. The bank's qualifying requirements include a digital transfer and the OUR charge option. Check OCBC's current terms and the payment screen for the exact transaction.

For illustration, ten transfers that each qualify at the published HK$200 fee would add up to HK$2,000 in transfer fees, before any currency conversion or other applicable costs. That calculation is not a quote for a different route, and the headline fee is only part of the comparison: the exchange rate can also affect the amount the beneficiary receives.

When Your Suppliers Bank Outside the OCBC Network

OCBC Network Transfer can be a convenient option for businesses making payments that meet its currency, recipient and transfer requirements. However, companies working with suppliers across multiple markets may also need to manage different currencies, pay recipients outside a specific banking network and handle both fiat and stablecoin payments.

For businesses with these needs, PhotonPay offers additional payment and currency management options alongside traditional bank accounts.

Manage currency conversion and international payouts. With PhotonPay Convert, eligible businesses can convert supported currencies at competitive rates. PhotonPay Movement supports fiat and stablecoin payouts across available payment routes, giving businesses more options when paying overseas suppliers and partners. Businesses can compare exchange rates, transfer fees and receiving charges to determine which option works best for each payment.
Support different payment methods and schedules. Not every international payment needs to follow the same route. Movement supports fiat payouts and eligible stablecoin transfers, offering businesses more flexibility in how they send funds. Stablecoin transfers can operate outside traditional banking hours, although the final receipt of funds in a bank account depends on the receiving institution and local processing.
Manage supported currencies and payment activity in one place. Photon Wallet allows businesses to manage supported fiat and stablecoin balances, while Movement provides tools to manage payouts through a dashboard and API. This can help finance teams keep track of supported balances and outgoing payments across markets, with fewer separate payment workflows.

Frequently Asked Questions

What is the bank code for OCBC Bank (Hong Kong) Limited?

Its inward remittance sheet lists 035 for direct HKD and CNY RTGS instructions. Confirm the code for your recipient's account and payment method.

Is 044 also an OCBC code?

An independent directory lists 044 under OCBC Bank (Hong Kong) Limited as well as 035. Confirm with the bank or account holder whether 044 applies to the account and transaction; the listing alone is not a payment instruction.

Is 022 the same as 035?

No. The institution directory lists 022 under Oversea-Chinese Banking Corporation Ltd and lists OCBC Bank (Hong Kong) Limited separately. Verify which entity holds the recipient's account.

What is OCBC Bank (Hong Kong) Limited's SWIFT code?

The bank gives WIHBHKHH in its inward remittance instructions. OCBC Hong Kong Branch is shown with OCBCHKHH on the bank's Network Transfer page. Use the code for the account-holding institution.

Is the bank code the same as the branch code?

No. If a form asks for both, get the branch code from the recipient's account information or the bank. Do not assume every account at a particular branch uses the same branch code.