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calculator",{"_key":1227,"_type":799,"marks":1228,"text":1229},"k126",[],"，自動產生對應的國際銀行賬戶號碼。計算結果仍建議與收款人再次核實，確保正確。",[1231],{"_key":1224,"_type":820,"externalUrl":1232,"linkType":335},"https:\u002F\u002Fwww.iban.com\u002Fcalculate-iban",{"_key":1234,"_type":795,"children":1235,"markDefs":1240,"style":1072},"k130",[1236],{"_key":1237,"_type":799,"marks":1238,"text":1239},"k129",[900],"如何查找SWIFT代碼？",[],{"_key":1242,"_type":795,"children":1243,"markDefs":1248,"style":824},"k133",[1244],{"_key":1245,"_type":799,"marks":1246,"text":1247},"k132",[],"SWIFT代碼由環球銀行金融電訊協會統一分配，是所有金融機構進行國際匯款時幾乎必需提供的資訊之一。查找SWIFT代碼的方法包括：",[],{"_key":1250,"_type":795,"children":1251,"level":934,"listItem":1196,"markDefs":1260,"style":824},"k138",[1252,1256],{"_key":1253,"_type":799,"marks":1254,"text":1255},"k136",[900],"查閱銀行官方網站或網銀平台：",{"_key":1257,"_type":799,"marks":1258,"text":1259},"k137",[],"大多數銀行會在官方網站列出其SWIFT代碼，通常清楚說明該分行應使用哪個代碼。若你是收款人，也可能會在個人網上銀行戶口中找到。",[],{"_key":1262,"_type":795,"children":1263,"level":934,"listItem":1196,"markDefs":1272,"style":824},"k143",[1264,1268],{"_key":1265,"_type":799,"marks":1266,"text":1267},"k141",[900],"直接向銀行查詢：",{"_key":1269,"_type":799,"marks":1270,"text":1271},"k142",[],"如果不確定所屬分行的SWIFT代碼，可以致電銀行客戶服務熱線查詢，或親身前往分行索取資料。",[],{"_key":1274,"_type":795,"children":1275,"level":934,"listItem":1196,"markDefs":1289,"style":824},"k151",[1276,1280,1285],{"_key":1277,"_type":799,"marks":1278,"text":1279},"k148",[900],"使用SWIFT官方查詢工具：",{"_key":1281,"_type":799,"marks":1282,"text":1284},"k149",[1283],"k145","SWIFT提供官方查詢工具",{"_key":1286,"_type":799,"marks":1287,"text":1288},"k150",[],"，只需輸入銀行名稱、國家和城市等資料，即可查出該行的SWIFT\u002FBIC代碼。這是最權威的查找方式之一。",[1290],{"_key":1283,"_type":820,"externalUrl":1291,"linkType":335},"https:\u002F\u002Fwww.swiftref.com\u002Fen\u002Fbicsearch",{"_key":1293,"_type":795,"children":1294,"level":934,"listItem":1196,"markDefs":1303,"style":824},"k156",[1295,1299],{"_key":1296,"_type":799,"marks":1297,"text":1298},"k154",[900],"向收款人索取完整資料：",{"_key":1300,"_type":799,"marks":1301,"text":1302},"k155",[],"若你準備向海外付款，可請收款人提供正確的SWIFT代碼，避免轉賬時被中間銀行退回或延誤。",[],{"_key":1305,"_type":795,"children":1306,"markDefs":1311,"style":903},"k159",[1307],{"_key":1308,"_type":799,"marks":1309,"text":1310},"k158",[900],"用Aspire輕鬆進行低成本國際匯款",[],{"_key":1313,"_type":795,"children":1314,"markDefs":1328,"style":824},"k167",[1315,1319,1324],{"_key":1316,"_type":799,"marks":1317,"text":1318},"k164",[],"無論你是需要定期向海外供應商付款，還是為跨國項目收款，Aspire都能幫你簡化流程、節省成本。",{"_key":1320,"_type":799,"marks":1321,"text":1323},"k165",[1322],"k161","Aspire數碼商業賬戶的匯款服務",{"_key":1325,"_type":799,"marks":1326,"text":1327},"k166",[],"，可處理超過30種貨幣的國際匯款，享受極優惠匯率，而且收費透明、無隱藏手續費，讓資金流動更有效率。",[1329],{"_key":1322,"_type":820,"externalUrl":1330,"linkType":335},"https:\u002F\u002Faspireapp.com\u002Fzh-HK\u002Fglobal-payments",{"_key":1332,"_type":795,"children":1333,"markDefs":1338,"style":824},"k170",[1334],{"_key":1335,"_type":799,"marks":1336,"text":1337},"k169",[],"你亦可即時追蹤交易進度，輕鬆應對跨境資金調度需求。對中小企而言，這樣的工具不只是節省時間和金錢，更是一個可靠靈活的國際付款解決方案。",[],{"slug":1340,"title":1341},"payments","Payments",{"_type":130,"alternativeText":1343,"height":131,"url":1344,"width":133},"IBAN與SWIFT有甚麼分別？香港公司必讀的國際付款教學","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fa64680404a1cfc47a32bb5c6b3b65e37\u002Fshared_cover_shared-cover-iban-swift.png",[1346],{"_key":1347,"_type":795,"children":1348,"markDefs":1352,"style":824},"k0",[1349],{"_key":898,"_type":799,"marks":1350,"text":1351},[],"了解IBAN與SWIFT的分別、用途與查找方法，掌握國際銀行賬戶號碼與SWIFT代碼的正確使用，助你更安全高效完成國際匯款，避免轉賬延誤或失敗。",[],[1354,1360],{"_key":895,"_type":795,"children":1355,"markDefs":1359,"style":824},[1356],{"_key":898,"_type":799,"marks":1357,"text":1358},[],"香港不少企業面對全球化的營商環境，經常要處理進出口訂單、支付海外供應商，或向海外員工或自由工作者發放薪金，處理國際匯款幾乎是例行公事。不過，新手在準備國際匯款時，往往會對IBAN與SWIFT這兩組名詞感到混淆。",[],{"_key":1361,"_type":795,"children":1362,"markDefs":1367,"style":824},"k5",[1363],{"_key":1364,"_type":799,"marks":1365,"text":1366},"k4",[],"IBAN與SWIFT兩組代碼，是國際付款過程中的核心資訊。填錯一個字母或漏了一個欄位，資金可能延誤數天，甚至可能直接失敗。本文分享了解IBAN與SWIFT的分別、兩者的用途與格式，以及兩者如何協助金融機構完成跨境付款。",[],"2025-06-10T00:00:00.000Z",{"_type":125,"metaDescription":1351,"metaTitle":1343,"socialShareImageUrl":1370},{"_type":130,"alternativeText":1343,"height":131,"url":1344,"width":133},"iban-vs-swift",1791455338324]