Keb Hana Bank SWIFT/BIC code

SWIFT/BIC code of Keb Hana Bank

If an invoice shows KOEXJPJT or KOEXJPJTXXX, you are looking at the same identifier for Keb Hana Bank in Japan. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money. In daily life you usually see it on invoices from abroad, in payment forms and on the account details that Keb Hana Bank provides.

This page is meant to help people who sends money to an account at Keb Hana Bank. The SWIFT code alone does not identify a personal account; that is what the account number or IBAN is for.

Receiving money from abroad at Keb Hana Bank

When you expect money from abroad, give the sender all details at once. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC KOEXJPJTXXX (or KOEXJPJT) and sometimes your postal address.

You can add Keb Hana Bank and Tokyo too, since some forms ask for it. A mistake in the IBAN can be more trouble than you might think.

What lands in your account is often less than the amount sent. Correspondent banks can take a fee, and if the currency changes, a markup on the rate comes on top. Agree with the sender who covers the fees before the money is sent.

Head office or branch code at Keb Hana Bank?

Our directory lists 2 SWIFT/BIC codes for Keb Hana Bank. Next to the head office code KOEXJPJTXXX, there are codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code KOEXJPJTXXX is the right choice. Branch codes are only needed if the recipient’s bank explicitly mentions it.

Unsure which code applies? Ask the recipient or the bank itself. Branch codes are more likely to be retired than the head office code.

Transfer times and tracking a payment to Keb Hana Bank

How quickly a transfer arrives at Keb Hana Bank depends on several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Bank holidays in either country can add a day or more, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment before releasing it.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually provide tracking in their app showing where the payment is.

A missing payment has to be investigated from the sending side. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

Where our SWIFT data comes from

The details here come from publicly available data which we refresh regularly. Institutions merge, change names and retire codes – a directory can be a step behind. Figures such as the number of codes are from our directory and may differ from what Keb Hana Bank publishes.

Treat this page as a starting point, not as the last word. GoldexPay is a comparison service for money transfers and not affiliated with Keb Hana Bank. Should you notice something that is out of date, we welcome a message.

8 or 11 characters: KOEXJPJT versus KOEXJPJTXXX

Each SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. Together, those parts make up KOEXJPJT, the code most people search for.

The long version has a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office, which is why KOEXJPJTXXX and KOEXJPJT lead to the same place.

In practice the code is written in capitals. Watch for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

Paying into Keb Hana Bank in JPY

Japan uses the Japanese Yen (JPY). When you pay another currency, the amount has to be converted somewhere along the way. Every conversion costs something.

Which bank converts the payment matters. Sending the amount already in JPY often avoids an extra conversion by Keb Hana Bank, provided the rate you get is fair.

Rates for JPY move all the time – some services let you fix a rate in advance. If you pay regularly, a slightly better rate make a real difference over time.

Paying someone abroad from your Keb Hana Bank account

If you send money abroad from Keb Hana Bank, the visible fee is rarely all of what you pay. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and if the money changes currency the bank usually applies a rate below the real market rate.

Many banks rarely list their exchange rate markup as a cost. Compare the rate you are offered against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For a lot of currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. GoldexPay lists these services side by side so you can see the amount the recipient gets. You can always use your account at Keb Hana Bank; only the conversion and sending happen elsewhere.

Scams that use SWIFT codes

One of the most common tricks goes like this: you receive a request saying that a supplier now has a new bank account and that the next payment should go there. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Check changed bank details through a different channel, such as a phone number you already know, not by replying to the message. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If money has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. Do not act before the money is actually in your account and check with Keb Hana Bank if anything seems off.

How to check KOEXJPJT before you pay

Ask the recipient to copy the bank details straight from their banking app. Compare that code against KOEXJPJT here.

A wrong SWIFT code can cause a delay, a returned payment or extra fees for investigation. A mistake in the IBAN or account number can be more serious because it can reach the wrong person; check it just as carefully.

Most online banking apps validate the structure of IBANs – that confirms the format, not the owner. More and more banks check the name against the account. When you pay someone new, some people start with a small test amount before sending the rest.