Mizuho Bank, LTD. SWIFT/BIC code

Mizuho Bank, LTD. SWIFT code: MHCBINBB

Whether you are given MHCBINBB or MHCBINBBXXX, it is the identical address for Mizuho Bank, LTD. in India. Banks worldwide use these codes to direct payments between countries to the correct institution. In practice you mostly come across it on invoices from abroad, in payment forms and on the account details of Mizuho Bank, LTD. customers.

We wrote this page to help anyone who receives money at an account at Mizuho Bank, LTD. and wants to get the details right. The BIC names an institution, never a single account; the IBAN or account number does that.

How up to date is this code?

The directory on GoldexPay draws on publicly available sources and we update it periodically. Still, banks merge or retire codes and our data may lag behind. Counts and locations come from our directory.

Treat our directory here as a handy check. We are a comparison service and not affiliated with Mizuho Bank, LTD.. Should you notice a mistake, we appreciate a short note via the contact page.

When will the money arrive at Mizuho Bank, LTD.?

A SWIFT payment typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Payments made late in the day or just before weekends and holidays often go out the next business day. Extra checks on larger or unusual payments can also cause some delay.

When a payment takes longer than expected, ask the sending bank for the tracking status and the transaction reference. Specialist transfer services usually show a status online showing how far the money has got.

If a payment has not arrived after a few business days, the sender should contact their own bank. Ask the sender for a copy of the payment confirmation including the reference – it helps your own bank look for the money.

What a transfer from Mizuho Bank, LTD. abroad really costs

A bank transfer abroad can cost rather more than the listed fee. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted the bank often applies a rate that is less favourable than the real market rate.

Banks do not show their exchange rate markup as a cost – you only notice it if you compare. An easy check: put the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. Using a transfer service does not require leaving Mizuho Bank, LTD..

Scams that use SWIFT codes

A common scam works like this: an email arrives with a message saying that a supplier now has new bank details and that the next payment should go there. That MHCBINBB is a real code is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Verify changed bank details through a different channel, such as a phone number you already know. Urgency and requests to keep it quiet are red flags; a genuine business can wait for you to check. If a payment has already gone to a fraudster, call your bank right away.

Fraud can also work the other way: someone claims to have sent more than agreed and wants you to refund the difference via a different route. A payment confirmation from the sender proves nothing.

Is MHCBINBB still correct? How to check

Ask the recipient to copy their account details directly from their online banking. When the code you were given differs from MHCBINBB or MHCBINBBXXX, stop and ask: check with the recipient or with Mizuho Bank, LTD. directly.

With a wrong code, the payment might be delayed, bounce back or cost extra, and tracing it can take weeks. An error in the account number can be a bigger problem because it can reach the wrong person.

Many banking apps validate the structure of an IBAN, but that does not prove the account belongs to the right person. Some banks now check the name against the account – do not ignore a mismatch warning. When you pay someone new, some people send a small test amount before sending the rest.

8 or 11 characters: MHCBINBB versus MHCBINBBXXX

The layout of a BIC is always the same: four characters for the institution, two for the country and two for the location, plus an optional branch code. Combined, those parts make up MHCBINBB, the code most people search for.

The 11-character version adds three more characters for a branch or department. If the last three are XXX, the code points to the head office.

Leave out spaces when you type MHCBINBB; the code is always written in one block. Look out for O versus 0 and I versus 1.

Which of the 2 codes of Mizuho Bank, LTD. do you need?

Having 2 codes, Mizuho Bank, LTD. is one of the banks that register individual codes for branches. The head office code remains MHCBINBBXXX.

Unless the recipient tells you otherwise, use MHCBINBBXXX. If you have been given a specific code, use it as it is instead of replacing it with the head office code.

The best way is to copy the code directly from the account holder’s bank details. Codes for branches are more likely to be retired than the head office code.

Receiving money from abroad at Mizuho Bank, LTD.

When you expect a payment from another country, give the sender a complete set of details. Share your name as the bank knows it, your account number or IBAN, SWIFT code MHCBINBBXXX and your address.

Some banks want the name and address of Mizuho Bank, LTD.; it does no harm to include it. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is below what the sender paid. Intermediary banks may deduct a fee, Mizuho Bank, LTD. may charge for incoming payments, and if the currency changes, a markup on the rate comes on top. On invoices, it is common to state who bears the costs, so that nobody is left short.

Sending INR to Mizuho Bank, LTD.

The currency of India is the Indian Rupee (INR). If you send money in a different currency gets converted at some point. Every conversion costs something – usually through the rate rather than a fee.

Which bank converts the payment matters: every bank has its own margin. Often it is cheaper to send INR straight away through a provider with a good rate.

The INR rate changes constantly and quotes are often valid only for a short time. If you pay regularly, a slightly better rate add up over a year.