Nis Securities Co., LTD. SWIFT/BIC code

Nis Securities Co., LTD. SWIFT code: YAMEJPJ1

The short code YAMEJPJ1 and the full code YAMEJPJ1XXX refer to the same bank: Nis Securities Co., LTD.. A SWIFT code shows the banks handling a payment which institution is meant to get the money, much like a postcode for banks. In daily life you usually come across the code on international invoices, in payment forms and in the bank details that Nis Securities Co., LTD. provides.

On this page you will find how the code is put together, when it matters and what else a transfer to or from Nis Securities Co., LTD. requires. Remember that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Which of the 2 codes of Nis Securities Co., LTD. do you need?

Our directory lists 2 SWIFT/BIC codes for Nis Securities Co., LTD.. Besides the head office code YAMEJPJ1XXX, you will find codes for regional offices and specialised units.

If nobody asks you for a branch code, use YAMEJPJ1XXX or its short form YAMEJPJ1. When you receive a branch code, stick to it rather than replacing it with the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are more likely to change than YAMEJPJ1XXX.

What a transfer from Nis Securities Co., LTD. abroad really costs

A bank transfer abroad costs more than the fee suggests. You pay the fee for the transfer itself, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup when the money is converted.

The real cost is often in the rate: the bank converts using an exchange rate with a margin built in. A simple test: put the rate you get against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a transfer service is less expensive than a bank, mainly because of the exchange rate. On GoldexPay we compare what recipients receive across services. You can always use your account at Nis Securities Co., LTD.; only the conversion and sending happen elsewhere.

How up to date is this code?

We gather SWIFT/BIC codes from publicly available data and check our list from time to time. It can happen that information on this page is out of date. The number of codes we show reflect what is in our directory, not official figures from Nis Securities Co., LTD..

For any payment that matters, always check the BIC with the recipient’s bank or the recipient. GoldexPay has no connection to Nis Securities Co., LTD., we only compare transfer services. Spotted outdated information? Let us know via our contact form and we will look into it.

Receiving money from abroad at Nis Securities Co., LTD.

For an international payment into your account at Nis Securities Co., LTD., the sender has to have not just the SWIFT code. What they need is: the account holder’s name, IBAN or account number, YAMEJPJ1XXX or YAMEJPJ1 and in many cases your home address.

Their bank may request the address of your bank; the head office in Tokyo is usually fine. Check each detail before you send them, because the sender’s bank usually copies them as is.

Money from abroad will not always land in full. Correspondent banks can take a fee, Nis Securities Co., LTD. may charge for incoming payments, and if the currency changes, a markup on the rate applies. Make clear with the sender who pays which costs, especially for larger amounts.

Tracking a transfer to or from Nis Securities Co., LTD.

How fast a transfer reaches Nis Securities Co., LTD. depends on several factors: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in either country can add a day or more to the journey. Sometimes a bank wants to know about the purpose of a payment.

If the money seems late, contact the sending bank for the tracking status; with that reference banks can see where the payment is. Save your transfer receipt until the money has arrived – you will need it for any trace request.

Only the sending bank can request a trace or a recall; the receiving side usually has nothing to trace yet. As a recipient, it helps to check your account for a slightly lower amount, since fees may have been deducted.

YAMEJPJ1 or YAMEJPJ1XXX – which one to use?

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, two letters for the country and two characters for the location. Together, these eight characters make up YAMEJPJ1 – the version you usually see online.

The long version has three more characters for a branch or department. If the last three are XXX, they simply mean the head office.

Type the code in one piece, in capitals and without separators, exactly as shown here. A wrong letter can send a payment to a different institution.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a message saying that a company now has new bank details and asking you to pay there from now on. A valid SWIFT code tells you nothing about who owns the account.

Always confirm a change of bank details by phone, using a number you already had. Urgency or secrecy are red flags – a real supplier can wait a day. If money has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Fraud can also target the receiver. Someone claims to have sent more than agreed and asks you to refund the difference via a different route. Wait until the money is actually in your account and check with Nis Securities Co., LTD. if anything seems off.

Japanese Yen (JPY) and conversion costs

The local currency of Japan is the Japanese Yen (JPY). When you pay another currency, the amount has to be converted at some point – by your bank, by Nis Securities Co., LTD. or by a bank in between. You rarely see a separate line for that conversion; it is built into the rate.

Where the conversion happens has an effect on how much arrives. In many cases you pay less if you send JPY directly via a provider with a good rate.

Rates for JPY change during the day, and some providers let you lock in a rate. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Before you send: check the Nis Securities Co., LTD. code

The best place to find the right code is paperwork issued by the bank, such as a statement or the account details in online banking. Compare that code against YAMEJPJ1 here and ask if anything does not match.

Errors in the SWIFT code are annoying more than fatal: often the payment comes back, minus fees. Remember the IBAN: an error there can be more difficult to undo than a wrong BIC.

Most online banking apps check the structure of an IBAN. Some banks now compare the name with the account; take any warning seriously. When you pay someone new, many people start with a small amount first before sending the rest.