Commerzbank AG Tokyo SWIFT/BIC code

Commerzbank AG Tokyo SWIFT code: COBAJPJX

COBAJPJX and COBAJPJXXXX are two spellings of the same SWIFT/BIC code, and both point to Commerzbank AG Tokyo in Tokyo. A SWIFT code shows the banks handling a payment exactly which bank is meant to get the money, much like a postcode for banks. It comes up mostly when dealing with payments that cross a border.

Further down you will find the practical side: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you hit send. Keep in mind that the BIC just identifies the bank, not the person: the account number or IBAN does that part.

Where our SWIFT data comes from

The details here come from publicly available data which we refresh regularly. It is possible that information here is no longer current after a merger or reorganisation. Figures such as the number of codes are from our own dataset and may differ from what Commerzbank AG Tokyo publishes.

Treat our data as a starting point, rather than as the last word – the bank details from the recipient are leading. GoldexPay has no connection to Commerzbank AG Tokyo. If you notice a mistake, we appreciate a short note.

8 or 11 characters: COBAJPJX versus COBAJPJXXXX

The structure of every SWIFT code never changes: four characters for the institution, two for the country and two for the location. For Commerzbank AG Tokyo, that core is COBAJPJX.

XXX at the end of COBAJPJXXXX is not a placeholder or an error: it stands for the main office of Commerzbank AG Tokyo. Some banking apps ask for 11 characters, and then you simply add XXX behind COBAJPJX.

Type the code as one block, in upper case and without spaces, exactly as shown here. Look out for O versus 0 and the letter I and the digit 1; they are easy to mix up.

Getting paid from abroad into a Commerzbank AG Tokyo account

For a transfer from abroad at Commerzbank AG Tokyo, the person paying you needs more than the SWIFT code. What they need is: the account holder’s name, IBAN or account number, COBAJPJXXXX or COBAJPJX and often your postal address.

Some sending banks also ask for the address of Commerzbank AG Tokyo; it does no harm to include it. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always land for the full amount. Correspondent banks can take a fee, Commerzbank AG Tokyo 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 how the fees are split to avoid a shortfall.

Is COBAJPJX still correct? How to check

The most reliable place for the correct BIC remains paperwork issued by the bank. When the code you were given does not match COBAJPJX or COBAJPJXXXX, do not guess.

If the code is wrong, the payment may be delayed, bounce back or end up costing more – sometimes after weeks of searching. Remember the IBAN: an error there is more difficult to correct than a wrong BIC.

Most online banking apps validate the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. Some banks now compare the payee name against the account; take any warning seriously. When you pay someone new, many people send a small amount first.

Sending money abroad from Commerzbank AG Tokyo

When you transfer money abroad through Commerzbank AG Tokyo, the fee you see is only part of what you pay. There is the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, above all, the exchange rate markup when the money is converted.

That exchange rate margin tends to be the largest cost. Check their rate with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Specialist money transfer services frequently offer a rate near the mid-market rate and lower fees. GoldexPay lists these services side by side, showing what actually arrives before you commit. Choosing a specialist does not mean closing your account at Commerzbank AG Tokyo – you pay the provider from your own account.

When will the money arrive at Commerzbank AG Tokyo?

An international transfer usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Bank holidays in the sending or receiving country can add extra days to the journey. Occasionally a bank wants to know about the purpose of a payment.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Keep your transfer receipt.

Only the sending bank can request a trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, you can look at your statements for a partial amount.

Scams that use SWIFT codes

Stay wary if a contact unexpectedly wants you to pay into another account. That COBAJPJX is a real code does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Verify new payment details via a different channel, such as a phone number you already know. Urgency or secrecy tend to be warning signs – a real supplier can wait a day. Acted too fast? Contact your bank without delay and ask them to start a recall; also report it to the police.

Scams can also target the receiver. Someone claims to have sent too much and asks you to return the extra via a different route. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Commerzbank AG Tokyo: head office code versus branch codes

Commerzbank AG Tokyo uses 2 different SWIFT/BIC codes. One of them is the head office code, COBAJPJXXXX; the others identify branches or departments.

In most cases you do not need to pick a branch: transfers addressed to COBAJPJXXXX are routed within Commerzbank AG Tokyo without problems. Only use a branch code when your contact gives you that exact code, for example on a letter or invoice.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more prone to change than the head office code.

Sending JPY to Commerzbank AG Tokyo

The currency of Japan is the Japanese Yen (JPY). If you send another currency has to be converted at some point: by your bank, an intermediary or Commerzbank AG Tokyo itself. You rarely see a separate charge for the conversion.

Where the conversion happens has an effect on the final amount, since every bank sets its own rate. Compare what JPY the recipient gets via several services before choosing one.

Rates for JPY change during the day – some services let you fix a rate in advance. For recurring payments, small differences in the rate add up over a year.