China CNAPS Code Checker
Check a 12-digit CNAPS bank number: its check digit, bank and region.
A CNAPS code (联行号) is the 12-digit number that the People's Bank of China gives to a bank branch for domestic yuan payments. It has 3 digits for the bank, 4 digits for the city or county, 4 digits for the branch and 1 check digit. Type a 12-digit code below to check the check digit and see its bank and region. Type 11 digits and the page works out the check digit. This page has no list of branch names, and the section on finding the branch name says where to get one.
Check a CNAPS Code
Digits only. Spaces, dashes and full-width digits are fine. The check runs in your browser, and nothing you type leaves it. The examples are the numbers that large banks use for their head offices or clearing centres.
Find a Bank Code or a Region Code
Type a bank in English or Chinese to find its 3-digit code, or a city, county or province to find its 4-digit region code. Cities and counties can be typed in Chinese or pinyin, such as "Chengdu".
How a CNAPS Code Is Built
| Digits | Part | What the PBOC standard says |
|---|---|---|
| 1 to 3 | Bank category code | One category digit and two digits that number each bank. 102 is the ICBC. |
| 4 to 7 | Region code | The clearing centre code (GB 13497-92) of the city or county. 1000 is Beijing. |
| 8 to 11 | Branch serial number | Each bank numbers its branches in a city or county from 0001. |
| 12 | Check digit | Worked out with the mod 10, 11 dual-modulus algorithm. |
The example is 102100000021: bank code 102, region code 1000, branch serial 0002 and check digit 1. The standard says a county in a provincial capital's area uses the capital's region code, and a county under another city uses its own county code. So the region code is not a postal code or an area code.
What the First Digit Means
| First digit | Category |
|---|---|
| 0 | Central bank (中央银行) |
| 1 | State-owned commercial bank (国有独资商业银行) |
| 2 | Policy bank (政策性银行) |
| 3 | Other commercial bank (其他商业银行) |
| 4 | Non-bank financial institution (非银行金融机构) |
| 5, 6, 7 | Foreign bank (外资银行) |
| 8 | Not yet allocated (待分配) |
| 9 | Special participant (特许参与者) |
How the Check Digit Is Worked Out
The People's Bank of China says the check digit uses the mod 10, 11 dual-modulus algorithm. That is the ISO 7064 MOD 11,10 method, and it matched all 152,452 codes we tested. Start with a running value of 10. For each of the first 11 digits, add the digit to the running value and keep the remainder after dividing by 10, using 10 if the remainder is 0. Then double that and keep the remainder after dividing by 11, which is the new running value. The check digit is 11 minus the last running value, keeping the remainder after dividing by 10. For 10210000002:
| Digit | Running value before | Remainder by 10 | Running value after |
|---|---|---|---|
| 1 | 10 | 1 | 2 |
| 0 | 2 | 2 | 4 |
| 2 | 4 | 6 | 1 |
| 1 | 1 | 2 | 4 |
| 0 | 4 | 4 | 8 |
| 0 | 8 | 8 | 5 |
| 0 | 5 | 5 | 10 |
| 0 | 10 | 0, so 10 | 9 |
| 0 | 9 | 9 | 7 |
| 0 | 7 | 7 | 3 |
| 2 | 3 | 5 | 10 |
The last running value is 10, so the check digit is (11 - 10) mod 10 = 1, and the full code is 102100000021.
Bank Codes of Large Banks
These are the first three digits of a CNAPS code for well-known banks. Entries marked "PBOC standard" are in the People's Bank of China's bank category table, which is old, so some banks have changed names. Entries marked "seen in bank lists" are not in that table, but every code in the open data with that prefix belongs to the bank. Search above for the other foreign banks and institutions in the table.
| Code | Bank | Source |
|---|---|---|
| 001 | People's Bank of China, accounting and business departments中国人民银行会计营业部门 | PBOC standard |
| 011 | People's Bank of China, State Treasury中国人民银行国家金库 | PBOC standard |
| 102 | Industrial and Commercial Bank of China (ICBC)中国工商银行 | PBOC standard |
| 103 | Agricultural Bank of China中国农业银行 | PBOC standard |
| 104 | Bank of China中国银行 | PBOC standard |
| 105 | China Construction Bank中国建设银行 | PBOC standard |
| 201 | China Development Bank国家开发银行 | PBOC standard |
| 202 | Export-Import Bank of China中国进出口银行 | PBOC standard |
| 203 | Agricultural Development Bank of China中国农业发展银行 | PBOC standard |
| 301 | Bank of Communications交通银行 | PBOC standard |
| 302 | China CITIC Bank中信银行 (PBOC standard: 中信实业银行) | PBOC standard |
| 303 | China Everbright Bank中国光大银行 | PBOC standard |
| 304 | Hua Xia Bank华夏银行 | PBOC standard |
| 305 | China Minsheng Bank中国民生银行 | PBOC standard |
| 306 | China Guangfa Bank广发银行 (PBOC standard: 广东发展银行) | PBOC standard |
| 307 | Ping An Bank平安银行 (PBOC standard: 深圳发展银行) | PBOC standard |
| 308 | China Merchants Bank招商银行 | PBOC standard |
| 309 | Industrial Bank兴业银行 | PBOC standard |
| 310 | Shanghai Pudong Development Bank上海浦东发展银行 | PBOC standard |
| 313 | City commercial banks城市商业银行 | PBOC standard |
| 314 | Rural commercial banks农村商业银行 | PBOC standard |
| 315 | Evergrowing Bank恒丰银行 | Seen in bank lists |
| 316 | China Zheshang Bank浙商银行 | Seen in bank lists |
| 318 | China Bohai Bank渤海银行 | Seen in bank lists |
| 319 | Huishang Bank徽商银行 | Seen in bank lists |
| 401 | Urban credit cooperatives城市信用社 | PBOC standard |
| 402 | Rural credit cooperatives (many rural commercial banks also use 402)农村信用社 | PBOC standard |
| 403 | Postal Savings Bank of China中国邮政储蓄银行 | Seen in bank lists |
Go Deeper
What CNAPS Is
CNAPS stands for the China National Advanced Payment System, the People's Bank of China's payment system for domestic yuan payments between banks. Bank of China says the People's Bank of China sets and publishes the CNAPS numbers, and that they are used to clear funds between banks. A sender picks the recipient's bank from a list, and the system routes the payment by the 12-digit number.
Finding the Branch Name
This page does not list branch names. The People's Bank of China issues the numbers, and we did not find a public directory of them on its site. The best source is the person or company you are paying: the CNAPS number is on their account opening papers or their bank's transfer instructions. You can also look the branch up with a bank you use. Bank of China explains that its corporate online banking customers can download its CNAPS number list, and Zhejiang Commercial Bank has a public lookup page. Check the result with the recipient.
Tips for CNAPS Codes
- A code with a wrong check digit has a typing mistake in it. The check digit catches every mistake of one digit.
- A correct check digit does not prove that the branch exists. Confirm the code with the recipient.
- City commercial banks share the prefix 313 and rural commercial banks the prefix 314, so the first three digits do not name the bank.
- The last digit is not a serial number. Never change it to make a code pass, because the mistake is probably in an earlier digit.
Paying a Chinese Bank From Abroad
A sender of yuan (CNY) to a Chinese bank account is often asked for the CNAPS code of the recipient's branch, along with the account number and name. Payments in other currencies normally use the bank's SWIFT/BIC code. Look up a SWIFT code with our SWIFT code lookup.
What This Page Uses
The structure of the number, the meaning of the first digit, the region code rule and the check digit method are from the People's Bank of China's standards for payment system bank categories and bank numbers. We tested the check digit on the open gweesin CNAPS dataset (MIT licence) of 152,452 codes, which was collected from a bank's online payee lookup, and we used it to work out the names of the 2,140 region codes it has. We do not republish its branch names, because the terms for that data are not clear. The English names of 28 banks are for reference. We last checked on 19 September 2026.
Frequently Asked Questions
What is a CNAPS code?
A CNAPS code is the 12-digit number that the People's Bank of China gives to a bank branch for domestic yuan payments in China. It is also called the bank number or interbank number, and in Chinese lianhanghao. CNAPS stands for the China National Advanced Payment System.
What do the 12 digits mean?
Digits 1 to 3 are the bank category code, digits 4 to 7 the region code of the city or county, digits 8 to 11 the branch serial number, and digit 12 the check digit. For example 102100000021 has bank code 102 (the ICBC), region code 1000 (Beijing), serial 0002 and check digit 1.
How is the check digit worked out?
The People's Bank of China says it uses the mod 10, 11 dual-modulus algorithm. That is the ISO 7064 MOD 11,10 method. The page shows a worked example, and the method matched all 152,452 codes we tested.
Does a correct check digit mean the branch exists?
No. The check digit only shows that the 12 digits fit together. A typing mistake usually breaks it, but a code with a correct check digit can still be a branch that never existed or has closed. Confirm the code with the recipient or the bank.
How good is the check digit at catching typing mistakes?
It catches every mistake where one digit is wrong. In our test it also caught about 91% of swaps of two neighbouring digits. So a code that passes is very likely free of a one-digit mistake, but not guaranteed to be right.
Is a CNAPS code the same as a SWIFT code?
No. A CNAPS code identifies a bank branch inside China for domestic yuan payments. A SWIFT/BIC code identifies a bank on the international network. Payments from abroad in yuan may need the CNAPS code, and payments in other currencies normally use the SWIFT/BIC code. Look up a SWIFT code with our SWIFT code lookup.
Is a CNAPS code the same as an account or bank card number?
No. It names a branch, and not an account. A bank account or card number is separate and longer. This page rejects numbers of more than 12 digits.
Does China use IBAN?
No. China is not in the IBAN system, so a payment goes to an account number, the bank's SWIFT/BIC code or the CNAPS code, and the recipient's name.
What is the region code, and is it a postal code?
Digits 4 to 7 are the clearing centre code (GB 13497-92) of the city or county where the branch is. It is not a postal code or a telephone area code. A county in a provincial capital's area uses the capital's code, and a county under another city uses its own code.
Why do several banks share the same first three digits?
The first digit is the bank's category and the next two are a sequence number. City commercial banks share the prefix 313 and rural commercial banks the prefix 314. In the open data the prefix 402, which the People's Bank of China table gives to rural credit cooperatives, is also used by many rural commercial banks. The region and serial digits then tell the branches apart.
How do I find the branch name for a CNAPS code?
This page does not list branch names. Ask the recipient, who can get the number from their bank. Banks such as Bank of China let corporate online banking customers download a list, and Zhejiang Commercial Bank has a public lookup page. The links are in the section on finding the branch name.
Why are you not showing branch names?
The People's Bank of China issues the numbers, and we did not find a public directory on its site. The open lists that exist were collected from a bank's online service, and the terms for republishing them are not clear. So we use them only to test the check digit and to work out the region names.
How current is the bank table?
The People's Bank of China table on this page is old. Some banks in it have changed their names, and some new banks are not in it. We show the current name where we know it, and add five banks that are not in the table but whose prefix is used by that bank only in the open data.
Where does the data come from?
The structure and the check digit method are from the People's Bank of China's standards for payment system bank categories and bank numbers. The region names come from the open gweesin CNAPS dataset of 152,452 codes. We last checked on 19 September 2026.
Is anything I type stored or sent?
No. The check runs in your browser. The page downloads one small file with the region names, and nothing you type is saved or sent.
