SWIFT Code BKCHAU2SMEL — BANK OF CHINA, MELBOURNE

About SWIFT Code BKCHAU2SMEL — BANK OF CHINA, MELBOURNE

SWIFT code BKCHAU2SMEL is the official 11-character branch-specific BIC (Bank Identifier Code) for BANK OF CHINA in MELBOURNE, Australia. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by BANK OF CHINA for all outward international remittances from MELBOURNE. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code BKCHAU2SMEL

The code BKCHAU2SMEL follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code BKCHAU2SMEL

Receiving International Wire Transfers

To receive money from abroad at your BANK OF CHINA account in MELBOURNE, share SWIFT code BKCHAU2SMEL with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at BANK OF CHINA, MELBOURNE must provide SWIFT code BKCHAU2SMEL. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using BANK OF CHINA in MELBOURNE rely on SWIFT code BKCHAU2SMEL for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for BANK OF CHINA →

For cheque clearing or NACH mandates, use the MICR code for BANK OF CHINA →

For TDS challan deposits, find the BSR code for BANK OF CHINA →

How SWIFT Code BKCHAU2SMEL Routes an International Transfer

1. Initiation: The sender provides SWIFT code BKCHAU2SMEL and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to BANK OF CHINA.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: BANK OF CHINA receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code BKCHAU2SMEL

• Spaces or lowercase letters — Always enter BKCHAU2SMEL uppercase with no spaces.
• Using the wrong city — This code is for MELBOURNE only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Australia.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm BKCHAU2SMEL directly with BANK OF CHINA's MELBOURNE branch or via the SWIFT BIC Directory.