Mizuho Bank, LTD. SWIFT/BIC code

MHCBJPJT – the SWIFT/BIC code of Mizuho Bank, LTD.

Whether a recipient gives you MHCBJPJT or MHCBJPJTXXX, you are looking at the same identifier for Mizuho Bank, LTD. in Japan. Banks worldwide use BIC codes to route international transfers to the correct institution. In practice you mostly see the code on international invoices, in payment forms and on the account details that Mizuho Bank, LTD. provides.

Below we go through the practical side: money coming in from abroad, sending money abroad and how to check a SWIFT code before you hit send. A SWIFT code identifies a bank or branch, never a specific account.

What the XXX in MHCBJPJTXXX means

A BIC is made up of fixed blocks: the first four letters identify the bank, characters five and six show the country and characters seven and eight mark the location. For Mizuho Bank, LTD., the 8-character core is MHCBJPJT.

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 MHCBJPJTXXX and MHCBJPJT lead to the same place.

Type the code in one piece, in capitals and without spaces. Look out for O versus 0 or the letter I and the digit 1, a common source of typos.

Which of the 2 codes of Mizuho Bank, LTD. do you need?

Mizuho Bank, LTD. has 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code; the rest identify branches or departments, and sometimes internal departments.

For most incoming transfers, the head office code MHCBJPJTXXX is what you need. When you receive a specific code, stick to it rather than swapping it for the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes can change over time, so do not rely on old paperwork.

Where our SWIFT data comes from

The codes on this page are taken from publicly available data that we update regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Counts and locations come from our directory and are not confirmed by Mizuho Bank, LTD..

Use our data as a starting point, rather than as the final word. We are a comparison site for money transfers and not part of Mizuho Bank, LTD.. Spotted outdated information? Tell us via our contact form so we can correct it.

The Japanese Yen and what conversion costs you

Accounts at Mizuho Bank, LTD. are typically held in JPY, the national currency of Japan. If you send money in a different currency it has to be converted somewhere along the way. You rarely see a separate line for that conversion.

Which bank converts the payment makes a difference. Transferring the amount already in JPY often avoids an extra conversion by Mizuho Bank, LTD., provided the rate you get is fair.

The JPY rate changes throughout the day and quotes are often valid only for a short time. If you pay regularly, small differences in the rate add up over time.

Transfer times and tracking a payment to Mizuho Bank, LTD.

There is no fixed answer for every transfer: some arrive the same day or the next. Payments made late in the day or on a weekend or public holiday often start the next business day. Extra checks by one of the banks may also add a delay, regardless of the details.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique transaction reference, the UETR. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

A delayed transfer is traced from the sending side, using the payment confirmation. As a recipient, you can check your account to see a partial amount because fees can reduce the amount.

What to give a sender who pays you at Mizuho Bank, LTD.

Someone abroad who wants to pay you needs a few details from you – incomplete details often cause delays. The basics are: the account holder’s name, IBAN or account number, MHCBJPJTXXX and often your home address.

You can include the bank name and Tokyo too. A mistake in your account number is harder to fix than you might think; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments differ per bank – the price list of Mizuho Bank, LTD. tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.

Before you send: check the Mizuho Bank, LTD. code

The best place to find the correct BIC remains paperwork issued by the bank, such as a statement or the account details in online banking. When the code you were given differs from MHCBJPJT or MHCBJPJTXXX, stop and ask – contact the recipient or Mizuho Bank, LTD..

Mistakes in the BIC tend to be annoying more than disastrous: often the payment comes back, minus fees. Do not forget the IBAN: an error there can be harder to undo than a wrong BIC.

An automatic check by your bank only tells you that the IBAN exists – not that it belongs to the person you mean to pay. Where available, a payee name check before sending gives an extra layer of safety. For a first payment, many people start with a small amount first.

Scams that use SWIFT codes

Criminals often use payment requests containing new bank details. A real SWIFT code says nothing about who owns the account – scammers simply use real codes.

Do not trust a phone number from the same email that announces the new account. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. When a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Scams can also work the other way: someone sends more than agreed and asks you to return the difference to a new account. Wait until the money has really arrived – ask Mizuho Bank, LTD. if something looks wrong.

What a transfer from Mizuho Bank, LTD. abroad really costs

An international bank payment can cost more than the listed fee. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency the bank often uses a rate that is less favourable than the real market rate.

The markup on the rate is often the biggest item even though it is not listed as a fee. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many routes, a specialist provider turns out to be less expensive than a bank. Before your next transfer, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. You can always use your account at Mizuho Bank, LTD.; only the conversion and sending happen elsewhere.