National Bank of Pakistan SWIFT/BIC code

What NBPAJPJT means for a payment to National Bank of Pakistan

The 8-character code NBPAJPJT and the 11-character code NBPAJPJTXXX refer to one and the same institution: National Bank of Pakistan. A BIC does one job: it ensures that money from abroad ends up at the right bank. In practice you mostly see the code on invoices from abroad, in payment forms and in the bank details of National Bank of Pakistan customers.

This page is meant to help people who receives money at an account at National Bank of Pakistan without mistakes. Remember that the BIC just identifies the bank, not the account: the IBAN or account number does that part.

Japanese Yen (JPY) and conversion costs

The local currency in Japan is the Japanese Yen (JPY). When you pay another currency it gets converted somewhere along the way: by your bank, an intermediary or National Bank of Pakistan itself. You rarely see a separate charge for that conversion; it is built into the rate.

Which bank converts the money makes a difference: every bank has its own margin. Check how much JPY arrives with several services before choosing one.

Exchange rates move all the time – some services let you fix a rate in advance. For recurring payments, a slightly better rate make a real difference over a year.

Sending money abroad from National Bank of Pakistan

A bank transfer abroad can cost more than the listed fee. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup when the money is converted.

Banks rarely show their exchange rate markup as a cost – you only notice it if you compare. An easy check: put the rate you get next to the mid-market rate and look at the difference.

Specialist money transfer services frequently use a rate near the mid-market rate. GoldexPay compares transfer providers next to each other so you can see what actually arrives for the same amount sent. Using a transfer service does not mean leaving National Bank of Pakistan: you simply pay the service from your account.

Before you send: check the National Bank of Pakistan code

Have the recipient copy the bank details straight from a recent statement. Check it with NBPAJPJT here.

An incorrect BIC can cause delays, a payment being sent back or extra fees for investigation. An error in the IBAN or account number can be more serious because it can reach the wrong person.

Many banking apps check the format of an IBAN. More and more banks check the name against the account before you confirm; take any warning seriously. A small test payment is worth it for a large first payment, even if it costs an extra fee.

Choosing between the 2 SWIFT codes of National Bank of Pakistan

We have 2 SWIFT/BIC codes for National Bank of Pakistan in 2 cities. Besides the head office code NBPAJPJTXXX, you will find codes for regional offices and specialised units.

If nobody asks you for a branch code, use NBPAJPJTXXX. Just use a branch code when your contact gives you that exact code, for example on an invoice or in their bank details.

Not sure which code applies? Ask the recipient or the bank itself. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.

Incoming international payments to National Bank of Pakistan

A sender in another country will ask for a few details from you, and missing ones are a common cause of delays. Give them your name as the bank knows it, your account number or IBAN, the BIC NBPAJPJTXXX and your address, which some banks require.

Some banks want the bank’s address. A typo in the IBAN can be more trouble than it looks; copy them from your banking app rather than typing.

What lands in your account can be lower than the amount sent. Fees for incoming transfers differ from bank to bank; check the price list of National Bank of Pakistan. Agree with the sender who covers the fees before the money is sent.

Protect yourself against fake payment requests

Criminals regularly send payment requests containing new bank details sent from what looks like a familiar address. A correct SWIFT code says nothing about whether the request is genuine.

Do not rely on a phone number from the same email that contains the new account. Urgency or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. Already paid? Call the bank you paid from straight away and ask them to try to recall the payment; also report it to the police.

Fraud also work the other way: someone claims to have sent more than agreed and asks you to return the difference to a new account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Where our SWIFT data comes from

This directory draws on publicly available sources. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Counts and locations come from our directory and may differ from what National Bank of Pakistan publishes.

See our directory here as a handy check. We are a comparison service for money transfers and not affiliated with National Bank of Pakistan. Should you notice something that is out of date, we appreciate a message.

How long does an international transfer to National Bank of Pakistan take?

An international transfer typically needs anywhere from one to several business days. Transfers sent after the cut-off time or on a weekend or public holiday often go out a business day later. Compliance checks on larger or unusual payments can also add a delay, even when all details are correct.

If the money is late, ask your bank about the status and the transaction reference so they can trace it along the chain. Money transfer services usually provide a status online so you can see how far the money is.

The bank that sent the money can request a trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, it helps to check your statements for a slightly lower amount because fees can reduce the amount.

NBPAJPJT or NBPAJPJTXXX – which one to use?

A BIC is made up of fixed blocks: the first four letters stand for the bank, the next two give the country and characters seven and eight indicate the location. The result is NBPAJPJT for National Bank of Pakistan.

The long version has three more characters that identify a branch or department. If the last three are XXX, the code points to the head office, so NBPAJPJTXXX and NBPAJPJT are interchangeable.

As a rule the code is typed in capitals and without spaces. Copying the code beats typing it by hand.