State Street Trust and Banking Company Limited SWIFT/BIC code

SWIFT/BIC code of State Street Trust and Banking Company Limited

The 8-character code SSTBJPJX and the full code SSTBJPJXXXX identify the same bank: State Street Trust and Banking Company Limited, with its head office in Minato-Ku. A SWIFT code tells the banks handling a payment which institution is meant to get the money, much like a postcode for banks. In daily life you mostly see it on international invoices, in your banking app and in the bank details of State Street Trust and Banking Company Limited customers.

We wrote this page to help anyone who sends money to an account at State Street Trust and Banking Company Limited and wants to get the details right. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN takes care of that.

Changed bank details? Be careful

One of the most common tricks goes like this: you receive a message claiming that a contact now has new bank details. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Always verify changed bank details through a phone call, using a number you already had. Urgency and requests to keep it quiet tend to be red flags. If money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also work the other way. Someone claims to have sent too much and wants you to refund the extra. Wait until the money is actually in your account.

Head office or branch code at State Street Trust and Banking Company Limited?

With 6 codes, State Street Trust and Banking Company Limited is one of the banks that use separate codes for parts of the organisation and departments. The main code remains SSTBJPJXXXX.

For most payments to a private or business account, the head office code SSTBJPJXXXX is the right choice. A branch code only makes sense when the recipient’s bank explicitly mentions it, which is more common for corporate accounts and trade services.

Not sure which code applies? Ask the recipient or the bank itself. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Sending JPY to State Street Trust and Banking Company Limited

Accounts at State Street Trust and Banking Company Limited are usually held in JPY, the national currency. Money sent in a different currency is exchanged into JPY. Each conversion costs something, even when no fee is shown.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Check how much JPY the recipient gets with different providers; the difference between options can be larger than you expect.

Rates for JPY change all the time, and some providers let you lock in a rate. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.

Is SSTBJPJX still correct? How to check

Have the recipient copy their account details directly from their banking app. If the code you have differs from SSTBJPJX or SSTBJPJXXXX, do not guess: check with the recipient or with State Street Trust and Banking Company Limited directly.

If the code is wrong, the transfer might be delayed, bounce back or end up costing more. A mistake in the account number is more serious, so check that just as carefully.

A validity check in your banking app merely tells you that the code is valid – not that it belongs to the person you mean to pay. Some banks now compare the payee name against the account before you confirm; take any warning seriously. Sending a small amount first is a sensible step for large sums.

Incoming international payments to State Street Trust and Banking Company Limited

When you expect money from abroad, send the payer all details at once. Give them your name as the bank knows it, your account number or IBAN, the BIC SSTBJPJXXXX and your address.

The sender’s bank might request the bank address of State Street Trust and Banking Company Limited, in which case the Minato-Ku head office is the usual answer. Double-check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive is often lower than the amount sent. Charges on incoming payments differ per bank; check the price list of State Street Trust and Banking Company Limited. On invoices, you can state who bears the costs to avoid a shortfall.

Sending money abroad from State Street Trust and Banking Company Limited

When you transfer money abroad through State Street Trust and Banking Company Limited, the visible fee is rarely all of the cost. There is the transfer fee, sometimes charges from correspondent banks along the way and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate, rather than in the fee: many banks convert using an exchange rate that includes a margin. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialised transfer providers often use a rate near the mid-market rate and lower fees. GoldexPay lists transfer providers next to each other, showing what actually arrives. You can always use your account at State Street Trust and Banking Company Limited to fund the transfer.

Transfer times and tracking a payment to State Street Trust and Banking Company Limited

There is no single answer for every transfer: many land within a day, others take several business days. Transfers sent late in the day or just before a weekend or public holiday often go out a business day later. Extra checks by one of the banks may also add some delay, regardless of the details.

If a transfer is late, ask the sending bank about the tracking status and the transaction reference. Specialist transfer services usually provide tracking online showing where the payment is.

A delayed transfer has to be investigated from the sending side. On the receiving end, it helps to look at your account to see a slightly lower amount, since fees may have been deducted.

A note on our data

The directory on GoldexPay draws on public sources and is updated regularly. It can happen that a code here is out of date after a merger or reorganisation. The figures on this page are based on our own data and not on information from State Street Trust and Banking Company Limited itself.

Treat this page as a reference, rather than as the last word. GoldexPay is not affiliated with State Street Trust and Banking Company Limited; we are a comparison site for money transfers. Spotted outdated information? Tell us through the contact page.

SSTBJPJX or SSTBJPJXXXX – which one to use?

A SWIFT code is built from a few fixed parts: the first four letters identify the bank, the next two show the country and characters seven and eight mark the location. For State Street Trust and Banking Company Limited, the 8-character core is SSTBJPJX.

The long version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, which is why SSTBJPJXXXX and SSTBJPJX lead to the same place.

Enter the code as one block, in upper case and without separators. Copying the code beats retyping it.