Hyakugo Bank,ltd.,the SWIFT/BIC code

Hyakugo Bank,ltd.,the SWIFT code: HYKGJPJT

HYKGJPJT and HYKGJPJTXXX are the short and the long form of the same bank identifier, and both lead to Hyakugo Bank,ltd.,the in Tokyo. The code has a single purpose: it ensures that an international payment ends up at the right bank. In practice you usually come across it on international invoices, in your banking app and on the account details that Hyakugo Bank,ltd.,the provides.

Further down we go through the practical side: receiving money at Hyakugo Bank,ltd.,the, paying someone in another country and how to verify the code before you hit send. The SWIFT code alone does not identify an individual account holder; for that you need the IBAN or account number is for.

The Japanese Yen and what conversion costs you

The currency of Japan is the Japanese Yen (JPY). A payment in a foreign currency will be exchanged into JPY – and the bank that does it picks the rate. There is rarely a separate line for that conversion.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Compare what JPY arrives via several services.

Rates for JPY change all the time – some services let you fix a rate in advance. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a request saying that a contact has new bank details and asking you to pay there from now on. That HYKGJPJT is a real code does not mean that the account is legitimate; criminals use the codes of real banks too.

Verify new bank details via a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If money has already gone to a fraudster, call your bank right away.

Scams can also work the other way: someone claims to have sent too much and asks you to return the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

When will the money arrive at Hyakugo Bank,ltd.,the?

There is no fixed delivery time for international payments: some land the same day or the next while others need several business days. Bank holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Occasionally a bank asks about the purpose of a payment before releasing it.

If the money seems delayed, ask the sending bank for the status or the UETR. Specialist transfer services often provide tracking in their app showing how far the money is.

A delayed transfer is investigated from the sending side, using the payment confirmation. As a recipient, it helps to look at your account for a partial amount because fees can reduce the amount.

Why Hyakugo Bank,ltd.,the has an 8- and an 11-character code

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, two letters for the country and two characters for the location. Together, those parts make up HYKGJPJT, the code most people search for.

XXX at the end of HYKGJPJTXXX does not stand for a placeholder or a mistake: it stands for the main office of Hyakugo Bank,ltd.,the. Some forms insist on 11 characters, and then you simply enter XXX behind HYKGJPJT.

Enter the code as one block, in upper case and without spaces, exactly as shown here. Copying the code beats retyping it: a typo can point to another bank.

Getting paid from abroad into a Hyakugo Bank,ltd.,the account

If you expect a payment from another country, give the sender all details at once. That means: your name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code HYKGJPJTXXX and usually your address.

Certain sending banks also ask for the name and address of Hyakugo Bank,ltd.,the in Tokyo. A mistake in the IBAN can be more trouble than it looks; copy them from your banking app rather than typing.

An incoming payment does not always arrive for the full amount. Fees for incoming transfers differ from bank to bank – the price list of Hyakugo Bank,ltd.,the tells you what applies. Agree with the sender who pays which costs before the money is sent.

A note on our data

This directory is based on public sources and we update it periodically. It is possible that a code on this page is out of date. The figures on this page reflect what is in our directory.

Before any payment of any size, check the code with Hyakugo Bank,ltd.,the or with the recipient. We are a comparison service for money transfers and not affiliated with Hyakugo Bank,ltd.,the. If you notice something that is out of date, we appreciate a message via the contact page.

International transfers from Hyakugo Bank,ltd.,the: the real cost

The price of an international transfer has more than one component, and the transfer fee is only the most visible one. Besides a fixed fee, correspondent or intermediary banks may take a cut, and if currencies are converted, the bank often applies a rate below the actual market rate.

Banks rarely list the margin on the rate as a cost – you only notice it if you compare. A simple test: set the rate you get against the mid-market rate for the same moment and look at the difference.

For many routes, a transfer service is cheaper than a bank. GoldexPay lists these services side by side, showing the amount the recipient gets. Using a transfer service does not mean leaving Hyakugo Bank,ltd.,the: you simply pay the service from your account.

Head office or branch code at Hyakugo Bank,ltd.,the?

With 2 codes, Hyakugo Bank,ltd.,the is one of the banks that use individual codes for parts of the organisation. The main code is HYKGJPJTXXX.

Usually there is no need to pick a branch: transfers addressed to HYKGJPJTXXX are routed within Hyakugo Bank,ltd.,the without problems. Only use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

If you are not sure, ask the person you are paying which code their bank gave them. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

How to check HYKGJPJT before you pay

The best place to find the right code is paperwork issued by the bank. If the code you have differs from HYKGJPJT or HYKGJPJTXXX, do not guess: check with the recipient or with Hyakugo Bank,ltd.,the directly.

With a wrong code, the transfer might get stuck, bounce back or cost extra. Remember the IBAN: a mistake there is more difficult to correct than a wrong BIC.

Many banking apps validate the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a payee name check on the recipient adds extra certainty. For a first payment, some people send a small amount first and wait for confirmation.