Norinchukin Bank, The SWIFT/BIC code

NOCUJPJT – the SWIFT/BIC code of Norinchukin Bank, The

Whether a recipient gives you NOCUJPJT or NOCUJPJTXXX, you are looking at the same identifier for Norinchukin Bank, The in Japan. Banks worldwide use BIC codes to direct payments between countries to the correct bank. You will need it mainly when dealing with payments that cross a border or a currency.

This page is meant to help people who pays into an account at Norinchukin Bank, The. The SWIFT code alone does not identify an individual account holder; that is what the IBAN or account number .

What to give a sender who pays you at Norinchukin Bank, The

To receive an international payment at Norinchukin Bank, The, the sender needs more than the SWIFT code. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code NOCUJPJTXXX (or NOCUJPJT) and, often, your address.

It helps to include the bank name and its city too. Check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

What lands in your account can be lower than the amount sent. Fees for incoming transfers vary per bank. Make clear with the sender who covers the fees before the money is sent.

Tracking a transfer to or from Norinchukin Bank, The

An international transfer usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Sometimes a bank wants to know what the payment is for.

A growing number of banks use SWIFT gpi. Each payment gets a unique reference, the UETR. Specialist transfer services usually provide a status online so you can see how far the payment has got.

If the money does not arrive after a few business days, the sender should contact the bank that sent it, not the receiving bank. On the receiving end, you can check your statements to see a slightly lower amount, since fees may have been deducted.

NOCUJPJT or NOCUJPJTXXX – which one to use?

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. That gives you NOCUJPJT.

XXX at the end of NOCUJPJTXXX does not stand for a placeholder or an error: it stands for the head office of Norinchukin Bank, The. Certain payment forms insist on 11 characters, in which case you can add XXX behind NOCUJPJT.

In practice the code is typed in capitals and without spaces. Copying the code is safer than typing it by hand: a typo can point to another bank.

Paying someone abroad from your Norinchukin Bank, The account

A bank transfer abroad costs rather more than the listed fee. On top of a fixed fee, banks in between can take a cut, and if the money changes currency, the bank often uses a rate that is less favourable than the real market rate.

That exchange rate margin tends to be the biggest item, and it is easy to miss. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For a lot of routes, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the rate. Next time you send money, it is worth comparing what arrives via GoldexPay instead of going straight to your bank. Choosing a specialist does not mean closing your account at Norinchukin Bank, The.

Scams that use SWIFT codes

Scammers regularly send fake invoices containing new bank details, sometimes in an email that looks completely genuine. That NOCUJPJT is a real code does not mean that the account is legitimate.

Before paying, verify a change of bank details by phone. Watch out for time pressure, unusual wording or an email address that differs by one letter. When money was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Fraud can also target the receiver. Someone claims to have sent too much and wants you to return the extra via a different route. A screenshot of a transfer proves nothing.

Before you send: check the Norinchukin Bank, The code

Have the recipient copy their account details directly from their online banking. If the code you have does not match NOCUJPJT or NOCUJPJTXXX, do not guess – contact the recipient or Norinchukin Bank, The.

Mistakes in the SWIFT code tend to be costly rather than fatal: often the payment comes back, minus fees. Do not forget the account number: a mistake there is harder to undo than a wrong BIC.

An automatic check in your banking app merely tells you that the code exists, not that it is the right account. Some banks now compare the payee name against the account before you confirm; take any warning seriously. A small test payment can be worth it for a large first payment.

Which of the 2 codes of Norinchukin Bank, The do you need?

With 2 codes, Norinchukin Bank, The belongs to the banks that use separate codes for parts of the organisation and departments. The head office code remains NOCUJPJTXXX.

Unless the recipient tells you otherwise, go with NOCUJPJTXXX. Only use a branch code when the account holder gives you that exact code.

Unsure which code applies? Check with the recipient, or look at a recent statement from Norinchukin Bank, The. Branch codes are more likely to be retired than the head office code.

Where our SWIFT data comes from

The details on this page come from publicly available data which we refresh regularly. Still, banks merge, rename themselves or retire codes, so information can be out of date. Figures such as the number of codes come from our directory and are not confirmed by Norinchukin Bank, The.

Use this page as a reference, not as the last word: the recipient’s bank details come first. We are an independent comparison service and not part of Norinchukin Bank, The. Found an error? Tell us through the contact page so we can correct it.

Sending JPY to Norinchukin Bank, The

Japan pays in the Japanese Yen (JPY). When you pay money in a different currency it has to be converted at some point – by your bank, by Norinchukin Bank, The or by a bank in between. Every conversion eats into the amount – usually through the rate rather than a fee.

Who does the conversion affects the final amount. Check what JPY the recipient gets via several services.

The JPY rate fluctuates 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.