CNAPS Code
The China National Advanced Payment System (CNAPS) code is a 12-digit number used to identify bank branches across mainland China. Managed by the People's Bank of China, it is required for interbank transfers, payroll, and settlement through the CNAPS network.
At a glance
Country
China
Identifier
CNAPS
Format
12 digits
Used for
Domestic transfers
Format breakdown
102
Bank Code
1–3
Institution (e.g. 102 = ICBC)
100
Region
4–6
City or area code
000026
Branch
7–12
Branch identifier
How CNAPS works
The first 3 digits identify the bank, digits 4–6 indicate the city or region, and digits 7–12 identify the specific branch. CNAPS codes are essential for domestic wire transfers between different banks.
Where to find yours
At your bank branch, in your mobile banking app, or by calling your bank's customer service. The PBOC maintains the official directory.
Payment systems in China
| System | Speed | Description |
|---|---|---|
| CNAPS (HVPS) | Real-time | High-value payment system for large interbank transfers |
| BEPS | 1–2 hours | Bulk Electronic Payment System for batch processing |
| CIPS | Same day | Cross-border Interbank Payment System for RMB international transfers |
Major banks in China
Good to know
Alipay and WeChat Pay handle most daily payments, but CNAPS codes are still required for interbank wire transfers.
Major bank codes: 102 = ICBC, 105 = CCB, 103 = ABC, 104 = BOC, 403 = PSBC.
Cross-border RMB transfers use CIPS, which requires a CIPS participant code in addition to the CNAPS code.
Related tools
Other countries
Frequently asked questions
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