China's banking system runs on CNAPS (China National Advanced Payment System) and CIPS (Cross-border Interbank Payment System). The country's currency is the CNY. The major banks below handle the vast majority of inbound and outbound SWIFT payments to China.
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Details
China runs its domestic interbank settlement on CNAPS (China National Advanced Payment System) and CIPS (Cross-border Interbank Payment System). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in China: ICBC (ICBKCNBJ, Beijing), Bank of China (BKCHCNBJ, Beijing), China Construction Bank (PCBCCNBJ, Beijing), Agricultural Bank of China (ABOCCNBJ, Beijing), Bank of Communications (COMMCNSH, Shanghai).
ICBC — SWIFT/BIC ICBKCNBJ, headquartered in Beijing. World's largest bank by assets; dominant CNY clearer.
Bank of China — SWIFT/BIC BKCHCNBJ, headquartered in Beijing. Specialist in cross-border RMB clearing.
China Construction Bank — SWIFT/BIC PCBCCNBJ, headquartered in Beijing. Top-three Chinese bank; major corporate flows.
Agricultural Bank of China — SWIFT/BIC ABOCCNBJ, headquartered in Beijing. Top-five bank globally; strong rural / SME network.
Bank of Communications — SWIFT/BIC COMMCNSH, headquartered in Shanghai. One of China's oldest banks; CNH offshore clearer.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
Key facts
Country: China (CN)
Currency: CNY
Domestic settlement: CNAPS (China National Advanced Payment System) and CIPS (Cross-border Interbank Payment System)
Number of major banks listed: 5
Trackable on Ohmyfin: yes — free via UETR
Frequently asked questions
What are the major banks in China?
The largest banks in China include ICBC, Bank of China, China Construction Bank, Agricultural Bank of China.
What is the SWIFT code for ICBC?
ICBC's primary SWIFT/BIC is ICBKCNBJ (head office in Beijing). Branches use 11-character extensions of this code.
How are domestic payments settled in China?
CNAPS (China National Advanced Payment System) and CIPS (Cross-border Interbank Payment System)
How do I track a SWIFT payment to or from China?
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in China (or the international intermediary) is currently holding the payment.