SWIFT/BIC codes in Japan: banks starting with T

SWIFT/BIC codes in Japan

Here you will find codes for 586 banks in Japan – 712 codes altogether. A BIC shows the banks handling a transfer exactly which bank is meant to get the money.

Each bank is listed with its own page showing the head office code and, where available, branch codes. Below the list you can read how a code from Japan is put together, how to send money to Japan without overpaying and how to check a code before you pay.

The structure of a Japan SWIFT/BIC code

Bank identifier codes use the same format worldwide: 8 characters. It starts with four letters for the bank, followed by a two-letter country code and two characters for the location.

For banks in Japan, characters five and six are the two-letter ISO code of Japan. When the country letters point to another country, the code belongs to a bank somewhere else.

The optional last three characters identify a branch or department; XXX is used for the head office. Use a branch code just when the recipient’s bank asks for it – otherwise stick with the head office.

The Japanese Yen (JPY) and conversion costs

The national currency of Japan is the Japanese Yen (JPY). If you send money in a different currency, it gets converted somewhere along the way: by your bank, an intermediary or the receiving bank.

Which bank converts the money makes a difference, because each party uses its own rate. In many cases it is cheaper to send JPY straight away through a transfer service that converts near the mid-market rate rather than letting the receiving bank convert. Rates for JPY move all the time.

International payments to Japan and the BIC

To pay into Japan you will usually need the BIC, because the country is outside the SEPA area. Without it, your bank cannot send the payment at all.

Not all countries use the IBAN. Check with the recipient which details their bank needs for incoming international payments; banks often publish instructions for this. International transfers sometimes go via correspondent banks.

Check the code before you pay

Ask the recipient to send you their bank details directly from a recent statement. A wrong code can cause a delay, a payment being sent back or extra fees.

We gather bank codes from public sources and update them from time to time. Institutions reorganise, change names and retire codes, and no directory catches every change immediately. Before any payment that matters, confirm the code with the recipient. We are an independent comparison site for money transfers, not a bank.

Scammers often send payment requests with new bank details that look completely genuine. Before paying, verify changed details through a separate channel, using a number you already had.

SWIFT codes in Japan: banks under :letter

This filter limits the list down to banks from Japan that begin with :letter to make searching quicker. The totals on this page apply to every bank we list.

If a bank does not appear here, check another letter – the registered name can differ from the name people use. Use the full list for Japan if you are not sure the exact name.

Getting paid from abroad into an account in Japan

When you are waiting for a payment from another country in Japan, send the payer a complete set of details. Give them the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Find your bank in the list on this page and compare the code with your own bank details – your bank statement is the final word. You can add your bank’s name and city as well, since some payment forms ask for it.

What lands in your account can be lower than what was sent. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin comes on top. For business payments, agree who bears the costs to avoid a shortfall.

How long does a transfer to Japan take?

How quickly money arrives in Japan is determined by several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Transfers sent late in the day or just before weekends and holidays often go out the next business day.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer carries a unique reference, the UETR that banks can use to see where the money is. Specialist transfer services often provide a status online so you can follow the payment.

Most SWIFT codes in Japan: Bank of Tokyo-Mitsubishi Ufj, LTD., The

Of all banks in Japan, Bank of Tokyo-Mitsubishi Ufj, LTD., The is listed with the largest number of SWIFT codes. The head office of Bank of Tokyo-Mitsubishi Ufj, LTD., The has BOTKJPJTXXX.

Many codes usually reflects that the bank registers branches and departments separately. Paying someone at Bank of Tokyo-Mitsubishi Ufj, LTD., The? Use BOTKJPJTXXX except when the recipient gives you a branch code.

Bank or transfer service for Japan?

The price of a transfer to Japan is made up of several parts – not only the fee you see. You pay the transfer fee, possibly charges from intermediary banks and, above all, the exchange rate markup when currencies differ.

Most of the cost usually sits in the exchange rate, not in the fee – the bank builds a margin into its rate. A simple test: set the rate you get next to the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider is cheaper than a bank. GoldexPay lists transfer services next to each other, showing the amount that reaches the recipient for the same amount sent.