Mega International Commercial Bank Co., LTD., SWIFT/BIC code

Mega International Commercial Bank Co., LTD., SWIFT code: ICBCJPJT

ICBCJPJT and ICBCJPJTXXX are two ways of writing the same SWIFT/BIC code, and both point to Mega International Commercial Bank Co., LTD., in Tokyo. A BIC does one job: it makes sure that an international payment reaches the right bank. In daily life you mostly see it on international invoices, in payment forms and on the account details that Mega International Commercial Bank Co., LTD., provides.

On this page you will find how the code means, when it matters and which other details you need for a transfer to or from Mega International Commercial Bank Co., LTD.,. Remember that the BIC just identifies the bank, not the account: the account number or IBAN does that part.

Protect yourself against fake payment requests

Be alert when a contact suddenly asks you to send money to a different account. That ICBCJPJT is a real code does not mean that the account is legitimate.

Do not trust a phone number from the same email that announces the new account. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Already paid? Contact your bank without delay and have them start a recall and report the fraud.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to send back the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Head office or branch code at Mega International Commercial Bank Co., LTD.,?

Mega International Commercial Bank Co., LTD., uses 2 separate SWIFT/BIC codes across 2 cities. Only one is the head office code; the rest identify branches, and sometimes internal departments.

Unless the recipient tells you otherwise, use ICBCJPJTXXX or its short form ICBCJPJT. When you receive a branch code, use it as it is rather than swapping it for the head office code.

Not sure which code to use? Check with the recipient. Branch codes can change over time.

Getting paid from abroad into a Mega International Commercial Bank Co., LTD., account

When you expect a payment from another country, give the sender a complete set of details. Share your name as the bank knows it, the IBAN or account number, the BIC ICBCJPJTXXX and your address.

The sender’s bank might also ask for the bank address of Mega International Commercial Bank Co., LTD.,, in which case the Tokyo head office is the usual answer. A mistake in your account number can be more trouble than you might think.

An incoming payment will not always land in full. Correspondent banks can take a fee, Mega International Commercial Bank Co., LTD., may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who pays which costs.

When will the money arrive at Mega International Commercial Bank Co., LTD.,?

How fast a payment reaches Mega International Commercial Bank Co., LTD., depends on several factors: which currency you send, the number of banks in between, daily processing deadlines and time zones. Payments made after the cut-off time or just before weekends and holidays often start a business day later. Sometimes a bank asks about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR. Save the payment confirmation until the recipient confirms.

If the money does not arrive within the expected time, the sender needs to start with the bank that sent it rather than Mega International Commercial Bank Co., LTD.,. As a recipient, it helps to check your statements to see a partial amount.

ICBCJPJT or ICBCJPJTXXX – which one to use?

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. In this case, that core is ICBCJPJT.

The full version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so ICBCJPJTXXX and ICBCJPJT are interchangeable.

Type the code in one piece, in upper case and without separators, exactly as shown here. Copying the code beats retyping it, because one wrong letter changes the bank.

Japanese Yen (JPY) and conversion costs

Japan uses the Japanese Yen (JPY). If you send money in a different currency, the amount has to be converted at some point. Each conversion eats into something, even when no fee is shown.

Which bank converts the payment matters. Sending the amount already in JPY often prevents a second conversion by Mega International Commercial Bank Co., LTD., – as long as your own rate is good.

The rate for JPY changes throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, even small difference in the rate adds up quickly.

What a transfer from Mega International Commercial Bank Co., LTD., abroad really costs

If you send money to another country from Mega International Commercial Bank Co., LTD.,, the visible fee is rarely all 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 margin on the exchange rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert at a rate with a margin built in. An easy check: put the bank’s rate against the mid-market rate for the same moment and look at the difference.

Money transfer services often offer a rate near the mid-market rate and lower fees. GoldexPay lists transfer providers next to each other so you can see the amount the recipient gets for the same amount sent. You can still use your account at Mega International Commercial Bank Co., LTD., as the source of the money.

A note on our data

This directory draws on publicly available sources. Banks reorganise, change names and retire codes – a directory can be a step behind. Counts and locations are from our own dataset and may differ from what Mega International Commercial Bank Co., LTD., publishes.

Before a payment that matters, always check the BIC with Mega International Commercial Bank Co., LTD., or with the recipient. We are an independent comparison service and not affiliated with Mega International Commercial Bank Co., LTD.,. Spotted outdated information? Let us know through the contact page so we can correct it.

Verifying the SWIFT code of Mega International Commercial Bank Co., LTD.,

The safest source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Compare that code against ICBCJPJT on this page; if they differ, ask before you pay.

An incorrect BIC may lead to a delay, a returned payment or extra fees along the way. Remember the IBAN: a mistake there can be more difficult to undo than a wrong BIC.

An automatic check in your banking app merely confirms that the IBAN is valid – not that it belongs to the person you mean to pay. Some banks now compare the payee name with the account. For a first payment, many people send a small amount first and wait for confirmation.