When you send an international SMS. The community of financial sectors worldwide recognize the technological benefit of SWIFT system that it outperformed the TELEX system. BIC are the same thing and are interchangeable terms. IBAN will be progressively introduced in most OECD countries to allow Straight Through Processing of cross border payments. You can find bank payment codes or Bank Identifier Codes in the SWIFT BIC online database of worldwide banks using the form below:Unlike the modern IBAN, the telex-era SWIFT (or BIC as it is now known) does not include a check sum for automatic validation.

Country	City	Bank Name	Branch	SWIFT
China	Hangzhou	Zhejiang Xiaoshan Rural Cooperative Bank	Zhejiang Xiaoshan Rural Cooperative Bank	HXCBCN2HXXX