SWIFT/BIC codes in Japan: banks starting with D

SWIFT/BIC codes in Japan

Here you will find codes for 586 institutions in Japan. You will need a SWIFT/BIC code mostly for payments across borders and for payments in a foreign currency.

Search for the recipient’s bank below and click through for the full list of codes. The sections below covers how the codes work, the cost of transfers and the checks worth doing before a payment.

The structure of a Japan SWIFT/BIC code

SWIFT/BIC codes use one international format: 8 characters, sometimes followed by three more. The first four letters stand for the bank, the fifth and sixth characters form the country code and the next two give the location.

In every code from Japan, characters five and six show the two-letter ISO code of Japan. If those two letters point to another country, the code belongs to a bank somewhere else.

The last three characters, if present, stand for a branch or department; XXX means the head office. In most cases the head office code is fine.

The Japanese Yen (JPY) and conversion costs

The local currency of Japan is the Japanese Yen (JPY). A payment in a foreign currency is converted into JPY before it reaches the account, and whoever converts it chooses the rate.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Check what JPY the recipient gets via different providers before choosing one. Rates for JPY move all the time.

How long does a transfer to Japan take?

There is no fixed answer for payments to Japan: many land within a day. Payments made after the cut-off time or just before a weekend or public holiday usually go out a business day later.

A growing number of banks use SWIFT gpi. Each gpi transfer carries a unique reference, the UETR that banks can use to see where the money is. Save your transfer receipt – you will need it if something goes wrong.

What a sender needs to pay you in Japan

Someone abroad who wants to pay you needs several details about your account. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and, often, your address.

Look up your bank in the list on this page and compare the code with your own bank details, but take the code from your own bank details when in doubt. It helps to include your bank’s name and city, since some payment forms ask for it.

Expect that the incoming amount is smaller than what the sender paid. Charges on incoming payments differ per bank – your bank’s price list tells you what applies. For business payments, agree who bears the costs.

Bank of Tokyo-Mitsubishi Ufj, LTD., The and its SWIFT codes

Bank of Tokyo-Mitsubishi Ufj, LTD., The leads our list for Japan in SWIFT/BIC codes. Its head office code is BOTKJPJTXXX, which is the code to use when no branch is specified.

A large number of codes usually reflects that the bank registers branches and departments separately. Paying someone at Bank of Tokyo-Mitsubishi Ufj, LTD., The? Go with BOTKJPJTXXX except when the recipient gives you a branch code.

How reliable is this list?

Ask the recipient to send you their bank details straight from their online banking. An incorrect BIC may lead to delays, a payment being sent back or additional charges – compare it with the code in our list.

This list is based on public sources. Still, banks merge, rename themselves or change codes. For a payment of any size, check the BIC with the recipient. We are an independent comparison service for money transfers and not part of any bank listed here.

Be wary of invoices containing a new account – a common fraud method. Before paying, verify a change of bank details by phone, using a number you already had.

Banks in Japan beginning with the letter :letter

This list only shows banks in Japan whose name starts with :letter in alphabetical order. The figures for Japan on this page cover all 586 banks, not just the ones under :letter.

Bank not listed? The registered name may begin with another word. The complete list remains available if you cannot find the bank here.

Sending money to Japan for less

The price of a payment to Japan has more than one component, and the fee on your screen is only one of them. Besides the fee, intermediary banks can deduct a charge, and when the money is converted the bank often applies a rate below the real market rate.

The real cost is often in the rate. A simple test: put the offered rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider is cheaper than a bank. GoldexPay lists these providers side by side so you can see the amount that reaches the recipient for the same amount sent.

Why a transfer to Japan needs a SWIFT code

Japan is not part of the SEPA area, so European euro rules do not apply. International transfers to Japan usually travel over the SWIFT network.

Not every country uses IBAN numbers; in that case the local account number is used instead. Check with the recipient which details their bank requires for payments from abroad. On the way to Japan, a payment can pass through intermediary banks that take a fee.