Axa Life Insurance Co., LTD. SWIFT/BIC code

SWIFT/BIC code of Axa Life Insurance Co., LTD.

The short code AXIPJPJT and the 11-character code AXIPJPJTXXX refer to the same bank: Axa Life Insurance Co., LTD., with its head office in Tokyo. A SWIFT code shows every bank in the chain which institution should receive the money. You will need it mainly for payments that cross a border or a currency.

We wrote this page to help people who receives money at an account at Axa Life Insurance Co., LTD.. Keep in mind that the BIC only identifies the bank, not the account: the IBAN or account number takes care of that.

Receiving money from abroad at Axa Life Insurance Co., LTD.

For an international payment at Axa Life Insurance Co., LTD., the person paying you needs more than the SWIFT code. That means: your full name as registered with Axa Life Insurance Co., LTD., your IBAN or account number, the SWIFT/BIC code AXIPJPJTXXX (or AXIPJPJT) and sometimes your postal address.

You can include the bank name and Tokyo too, because some payment forms have separate fields for them. A typo in your account number can be more trouble than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is below what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate comes on top. On invoices, it is common to agree how the fees are split, so that nobody is left short.

Which of the 3 codes of Axa Life Insurance Co., LTD. do you need?

Axa Life Insurance Co., LTD. uses 3 different SWIFT/BIC codes. One of them is the head office code, AXIPJPJTXXX; the others identify branches or departments.

Unless the recipient tells you otherwise, use AXIPJPJTXXX or its short form AXIPJPJT. A branch code only makes sense when the account holder explicitly asks for it.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Is AXIPJPJT still correct? How to check

Have the recipient copy the bank details straight from their banking app. When the code you were given differs from AXIPJPJT or AXIPJPJTXXX, stop and ask – contact the recipient or Axa Life Insurance Co., LTD..

Mistakes in the SWIFT code tend to be costly rather than fatal: often the payment comes back, minus fees. An error in the account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

Many banking apps validate the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. Some banks now check the payee name against the account before you confirm. Sending a small amount first can be a sensible step for a large first payment despite the extra fee.

What a transfer from Axa Life Insurance Co., LTD. abroad really costs

A bank transfer abroad can cost more than the fee suggests. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency, the bank often uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate that includes a margin. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. Next time you send money, it is worth comparing the total cost on GoldexPay. Choosing a specialist does not require leaving Axa Life Insurance Co., LTD.: you simply pay the service from your account.

The Japanese Yen and what conversion costs you

Accounts at Axa Life Insurance Co., LTD. are typically held in JPY, the local currency of Japan. Money sent in a different currency will be converted into JPY. There is rarely a separate charge for that conversion.

Where the conversion happens affects the final amount, since every bank sets its own rate. Often it is cheaper if you send JPY directly through a provider with a good rate.

Rates for JPY change all the time. If you pay regularly, small differences in the rate make a real difference over time.

AXIPJPJT or AXIPJPJTXXX – which one to use?

The structure of every SWIFT code never changes: a bank code of four letters, a two-letter country code and a two-character location code, sometimes followed by a branch code. For Axa Life Insurance Co., LTD., the 8-character core is AXIPJPJT.

Many payment forms work with both lengths. If a form requires eleven characters, enter AXIPJPJTXXX; if it wants eight, use AXIPJPJT.

Do not add spaces, dots when you type AXIPJPJT; the code is always written in one block. A wrong character can send the money to another bank.

Changed bank details? Be careful

Stay alert when someone suddenly wants you to pay into another account abroad. A correct SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Do not rely on contact details in the same message that contains the change. Urgency and requests to keep it quiet tend to be red flags. If money has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Fraud can also target the receiver: someone sends more than agreed and wants you to return the extra via a different route. Do not act before the money is actually in your account – ask Axa Life Insurance Co., LTD. if something looks wrong.

A note on our data

This directory draws on public sources and we update it periodically. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. Counts and locations come from our own dataset.

Before any payment of any size, always confirm the code with Axa Life Insurance Co., LTD. or with the recipient. GoldexPay has no connection to Axa Life Insurance Co., LTD., we only compare transfer services. Should you notice something that is out of date, we appreciate a message.

Transfer times and tracking a payment to Axa Life Insurance Co., LTD.

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in the sending or receiving country add extra days. Extra checks on larger or unusual payments may also cause some delay.

If the money seems delayed, ask your bank about the tracking status. Money transfer services often show tracking online so you can see where the money has got.

A delayed transfer has to be traced from the sending side. On the receiving end, it helps to look at your account for a slightly lower amount.