SWIFT Code CMBCCNBS451 — CHINA MERCHANTS BANK, KUNMING

About SWIFT Code CMBCCNBS451 — CHINA MERCHANTS BANK, KUNMING

SWIFT code CMBCCNBS451 is the official 11-character branch-specific BIC (Bank Identifier Code) for CHINA MERCHANTS BANK in KUNMING, China. 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 CHINA MERCHANTS BANK for all outward international remittances from KUNMING. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code CMBCCNBS451

The code CMBCCNBS451 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code CMBCCNBS451

Receiving International Wire Transfers

To receive money from abroad at your CHINA MERCHANTS BANK account in KUNMING, share SWIFT code CMBCCNBS451 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 CHINA MERCHANTS BANK, KUNMING must provide SWIFT code CMBCCNBS451. 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 CHINA MERCHANTS BANK in KUNMING rely on SWIFT code CMBCCNBS451 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 CHINA MERCHANTS BANK →

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

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

How SWIFT Code CMBCCNBS451 Routes an International Transfer

1. Initiation: The sender provides SWIFT code CMBCCNBS451 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 CHINA MERCHANTS BANK.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: CHINA MERCHANTS BANK receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code CMBCCNBS451

• Spaces or lowercase letters — Always enter CMBCCNBS451 uppercase with no spaces.
• Using the wrong city — This code is for KUNMING 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 China.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm CMBCCNBS451 directly with CHINA MERCHANTS BANK's KUNMING branch or via the SWIFT BIC Directory.