What Are HSBC Branch Codes and Why Are They Important?

When making a local bank transfer in Hong Kong, accuracy is everything. Enter the HSBC branch code—just three digits, but they carry serious weight.

Each HSBC branch in Hong Kong is assigned a unique three-digit number. This code works alongside the bank code (which identifies the bank itself) and the account number (which identifies the recipient) to make sure your money reaches the right destination.

Why does it matter?

• Correct routing: The branch code ensures your transfer doesn't land at the wrong branch.

• Faster processing: With the right code, payments are processed without manual intervention or delays.

• Error prevention: Typos or guesswork can lead to failed transactions or funds sent to the wrong place.

For example, HSBC's standard bank code is 004. If you’re transferring money to the Central Branch, you’ll need to enter its specific branch code—somewhere between 200 and 299, depending on the exact location.

Who needs to use HSBC branch codes?

• Individuals sending money within Hong Kong via FPS or eDDA

• Employers setting up payroll

• Businesses making recurring payments to suppliers or contractors

Put simply, if you're using HSBC for local transfers in Hong Kong, the branch code is not optional—it’s essential.

The Difference Between HSBC Bank Code and Branch Code

Banking in Hong Kong often requires both a bank code and a branch code—but they serve two different purposes. Mixing them up can lead to delays or failed transfers. Here's how to tell them apart.

What is the HSBC Bank Code?

The bank code is a three-digit number that identifies the financial institution itself. For HSBC in Hong Kong, that number is always 004. Whether your account is in Central or in Tsuen Wan, the bank code stays the same.

• Used to recognize the bank during local interbank transfers.

• Needed for transactions made through systems like FPS, CHATS, or eDDA.

• Remains constant across all HSBC branches in Hong Kong.

What is the HSBC Branch Code?

The branch code, also three digits, identifies the specific HSBC branch where an account is held. This code varies depending on location.

• Each HSBC branch has a unique code.

• Required when setting up payroll, local transfers, or direct debit instructions.

• Helps routing systems deliver funds accurately to the right branch.

Why Both Codes Matter

Here’s a simple breakdown:

You’ll usually need to enter both when making or receiving local payments. Leaving either out can trigger an error or result in a return of funds.

How HSBC Branch Codes Work in Hong Kong

Every time you make a local transfer in Hong Kong—whether it’s payroll, a personal payment, or a bill—you’re interacting with a set of banking codes behind the scenes. For HSBC, this includes the bank code 004, and more importantly, a specific branch code that routes your funds correctly.

Behind the Scenes: Routing a Payment

Think of a branch code like a postal code for your bank account. It helps payment systems locate the exact HSBC branch where the account is registered.

Here’s how it works:

• You initiate a local bank transfer, typically using FPS, CHATS, or eDDA.

• The payment system reads the bank code to identify HSBC (always 004).

• It then reads the branch code to identify which HSBC branch the recipient's account belongs to.

• The funds are routed and deposited directly into that account—within seconds if done via FPS.

Local Transfers That Rely on Branch Codes

You’ll be asked to enter a branch code when you:

• Set up autopay instructions or direct debit agreements.

• Transfer funds between accounts at different HSBC branches.

• Register payees for recurring payments.

• Create payroll batches for employee salaries.

Why the Right Code Matters

HSBC has hundreds of branches, each with its own three-digit code. Using the wrong one can cause:

• Failed transfers

• Reversed payments

• Delays in processing (especially if handled manually)

Most online banking platforms auto-fill this for you—but if you're entering it yourself, double-check with HSBC’s official list of branch codes or ask the recipient.

Full List of HSBC Branch Codes in Hong Kong (By District)

Whether you’re setting up payroll, registering a payee, or initiating an online bank transfer, you’ll often need to know the specific HSBC branch code linked to the recipient’s account. Below is a categorized list of HSBC branch codes in Hong Kong, organized by district for easy reference.

⚠️ Note: HSBC's bank code is 004 for all branches. The branch code is what changes.

Hong Kong Island

Kowloon

New Territories

Useful Tips for Finding HSBC Branch Codes

• Use the HSBC website: Their official site includes a branch locator with addresses and branch codes.

• Look at your bank statement: It usually displays your branch code next to your account number.

• Ask the account holder: If you’re sending money, request the correct three-digit branch code directly.

Where To Find Your HSBC Branch Code

Not sure which HSBC branch code is tied to your account? You’re not alone. This section outlines practical ways to locate your HSBC branch code—whether you’re making a payment, setting up payroll, or filling out direct debit instructions.

1. Check Your Bank Statement

Your monthly paper or eStatement typically shows your full account number, and next to it, you'll find either:

• A 3-digit branch code, or

• A combined account number format where the branch code appears as the first 3 digits.

For example:
128-123456-001
In this case, 128 is the branch code (Tsim Sha Tsui branch).

2. Use HSBC’s Online Banking Platform

If you use HSBC's internet or mobile banking:

• Log in to your account

• Select the account in question

• Click on Account Details or Show More Information

You’ll usually see your branch name or number listed clearly.

3. Ask HSBC’s Virtual Assistant or Support

On the HSBC Hong Kong website, the virtual assistant can help answer branch code questions. You can also:

• Call HSBC customer service directly

• Use live chat during banking hours

It’s the fastest way to confirm if you're unsure.

4. Refer to HSBC’s Official Branch Code List

HSBC provides a PDF or web-based branch code directory. It's sorted by district and branch name. You can also find this info through trusted financial sites or resources like HKICL.

5. Ask the Account Holder

If you're sending a payment and need the correct branch code:

• Ask the recipient to confirm it

• Or request a screenshot of their bank statement or online account page

This eliminates guesswork and reduces transfer errors.

Common HSBC Branch Codes for Online Transfers

When you’re making an online transfer in Hong Kong, getting the branch code right is just as important as the account number. While HSBC has hundreds of branches, some are used more frequently for common transactions—especially payroll, utility bills, or business payments.

Why Some Branch Codes Are More Common Than Others

Many users open accounts at central locations or business districts. These branches often appear as defaults in payroll systems, eDDA forms, or payment platforms.

Below are some of the most commonly used HSBC branch codes for online transfers:

These branches cover a large portion of HSBC’s customer base. If you're unsure about the recipient's branch, it’s always safer to confirm directly rather than guessing based on location.

How To Use These Codes Correctly in Online Transfers

• For FPS transfers, input the branch code along with the bank code (004) and account number.

• For direct debit setup (eDDA), most systems will ask for the 3-digit branch code separately.

• If your platform uses a combined format, the branch code usually appears at the start of the full account number (e.g., 128-123456-001).

Avoiding Errors

• Double-check the code even if it “looks right” based on location.

• Don’t rely solely on autocomplete or dropdown menus—these sometimes default to the head office.

• If you're the recipient, send the exact branch code along with your account number to avoid confusion.

HSBC Branch Code Format: How To Read It

A branch code might look like a random set of numbers at first glance—but for banks like HSBC, it’s a crucial identifier. Understanding the format can help you enter transfer details correctly, avoid failed payments, and verify account information when needed.

What Is a Branch Code?

An HSBC branch code is a three-digit number that points to the exact HSBC branch where the bank account is held. It doesn’t change based on the customer—it’s tied to the location of the branch itself.

Format Overview

Here’s how to break it down:

• Three Digits Only: HSBC branch codes in Hong Kong are always three numbers.

• No Letters or Symbols: Unlike SWIFT or IBAN formats, there are no letters involved.

• Examples:

  • 128 – Tsim Sha Tsui Branch

  • 363 – Central Branch

  • 384 – Sha Tin Branch

Where It Appears in an Account Number

In many cases, the branch code is embedded in the full account number. For example:

128-123456-001

• The first 3 digits (128) are the branch code.

• The middle part (123456) is the customer’s unique account number.

• The last digits (001) may indicate account type or check digits, depending on the format used.

What It’s Used For

You’ll need to input the branch code in several places:

• FPS Transfers: For local payments.

• eDDA Authorizations: For setting up automatic payments.

• Payroll Setup: Especially in business banking platforms.

• Bank Verification Forms: When linking HSBC to third-party tools.

Getting the format right ensures your transactions go through smoothly. If anything seems unclear or if the format doesn’t match what you’ve received, check with HSBC directly before proceeding.