Nippon Life Insurance Company SWIFT/BIC code

Nippon Life Insurance Company SWIFT code: NLICJP22

Whether you are given NLICJP22 or NLICJP22XXX, you are looking at the identical identifier for Nippon Life Insurance Company in Japan. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money, much like a postcode for banks. You will need it mainly for transfers between countries and payments in foreign currencies.

On this page you will find how the code means, when you need it and which other details a transfer to or from Nippon Life Insurance Company requires. The SWIFT code on its own cannot identify an individual account holder; for that you need the account number or IBAN .

How to check NLICJP22 before you pay

Ask the recipient to copy their account details straight from their banking app. When the code you were given does not match NLICJP22 or NLICJP22XXX, do not guess: check with the recipient or with Nippon Life Insurance Company directly.

Errors in the SWIFT code are annoying more than fatal: often the payment comes back, minus fees. A mistake in the account number is more serious.

Most online banking apps check the structure of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks check the payee name with the account; take any warning seriously. A small test payment can be a sensible step for a large first payment.

Which of the 4 codes of Nippon Life Insurance Company do you need?

Our directory lists 4 SWIFT/BIC codes for Nippon Life Insurance Company, spread over 2 cities. Next to the head office code NLICJP22XXX, you will find codes for individual branches and departments.

For most payments to a private or business account, the head office code NLICJP22XXX works fine. If you have been given a specific code, stick to it instead of replacing it with the head office code.

When in doubt, ask the person you are paying which code their bank gave them. Branch codes are more likely to change than NLICJP22XXX.

NLICJP22 or NLICJP22XXX – which one to use?

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. That gives you NLICJP22 for Nippon Life Insurance Company.

Many banks and apps accept both lengths. If a form requires eleven characters, enter NLICJP22XXX.

As a rule the code is written in capitals, without spaces or dashes. Pasting the code beats retyping it, because one wrong letter changes the bank.

Receiving money from abroad at Nippon Life Insurance Company

When you are waiting for money from abroad, give the sender everything they need in one go. What they need is: your name, IBAN or account number, NLICJP22XXX and often your postal address.

Their bank might also ask for the address of your bank; the head office in Chiyoda-Ku is usually fine. Check each detail before you send them.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank. Make clear with the sender who covers the fees before the money is sent.

Japanese Yen (JPY) and conversion costs

The currency in Japan is the Japanese Yen (JPY). A payment in a foreign currency will be converted into JPY before it reaches the account – and the bank that does it picks the rate. There is rarely a separate charge for that conversion – the cost sits in the rate.

Who does the conversion has an effect on the final amount. Sending the amount already in JPY usually prevents an extra conversion at the receiving end – as long as your own rate is good.

The JPY rate changes constantly and quotes are often valid only for a short time. For regular payments, a slightly better rate make a real difference over a year.

Transfer times and tracking a payment to Nippon Life Insurance Company

A SWIFT payment usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before a weekend or public holiday usually start the next business day. Occasionally a bank asks about the purpose of a payment.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique reference, the UETR. Keep your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the person who paid should start with the bank that sent it. Ask the sender for the payment receipt with the date and reference – it helps your own bank look for the money.

Where our SWIFT data comes from

The details here come from publicly available data that we update regularly. Still, banks merge or change codes, so information can be out of date. Counts and locations come from our directory and are not confirmed by Nippon Life Insurance Company.

See our directory on this page as a handy check and rely on the recipient or Nippon Life Insurance Company for the final confirmation. GoldexPay is a comparison service for money transfers and not part of Nippon Life Insurance Company. Found an error? Let us know via our contact form and we will look into it.

Protect yourself against fake payment requests

Be wary if a contact suddenly wants you to send money to a different account. A valid SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Verify changed bank details through a separate channel like a call to a number from an earlier contract, not by replying to the message. Pressure and requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. Acted too fast? Contact your bank without delay and ask them to start a recall.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference abroad. A screenshot of a transfer is no proof.

Sending money abroad from Nippon Life Insurance Company

The price of a payment abroad is made up of more than one component, and the transfer fee is only the most visible one. On top of a fixed fee, banks in between can take a cut, and when currencies are converted the bank often applies a rate below the actual market rate.

Many banks do not show their exchange rate markup separately. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services frequently offer a rate near the mid-market rate with clearer fees. Before your next transfer, it is worth comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving Nippon Life Insurance Company – you pay the provider from your own account.