The Bank of New York Mellon, Tokyo Branch SWIFT/BIC code

SWIFT/BIC code of The Bank of New York Mellon, Tokyo Branch

IRVTJPJX and IRVTJPJXXXX are two ways of writing the same bank identifier, and both point to The Bank of New York Mellon, Tokyo Branch in Tokyo. A SWIFT code tells every bank in the chain which institution should receive the money, much like a postcode for banks. You will need it mainly when dealing with transfers between countries or a currency.

This page is meant to help anyone who pays into an account at The Bank of New York Mellon, Tokyo Branch without mistakes. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN .

Japanese Yen (JPY) and conversion costs

Most accounts at The Bank of New York Mellon, Tokyo Branch are usually held in JPY, the national currency. Money sent in a different currency is converted into JPY. You rarely see a separate charge for the conversion; it is built into the rate.

Which bank converts the money matters. Compare what JPY the recipient gets with different services; the difference between options can be larger than you expect.

The JPY rate fluctuates constantly, so the amount you see is usually only valid for a short time. If you pay regularly, a slightly better rate make a real difference over a year.

Tracking a transfer to or from The Bank of New York Mellon, Tokyo Branch

An international transfer typically needs anywhere from one to several business days. Weekends and public holidays in the sending or receiving country add extra days, since banks do not process on those days. Occasionally a bank wants to know what the payment is for, which can hold things up.

When a payment takes longer than expected, ask your bank for the tracking status. Specialist transfer services often provide tracking in their app showing where the payment has got.

A delayed transfer is investigated by the sending bank. On the receiving end, you can check your account to see a slightly lower amount.

About this information

The details here are taken from public sources that we update regularly. Banks reorganise, change names and change codes. Counts and locations come from our own dataset.

For a payment of any size, always check the code with the recipient’s bank or the recipient. GoldexPay is a comparison service and not part of The Bank of New York Mellon, Tokyo Branch. Should you notice something that is out of date, we welcome a message via the contact page.

Which of the 2 codes of The Bank of New York Mellon, Tokyo Branch do you need?

The Bank of New York Mellon, Tokyo Branch uses 2 different SWIFT/BIC codes. Only one is the head office code, IRVTJPJXXXX; the others identify branches, and sometimes internal departments.

If nobody asks you for a branch code, go with IRVTJPJXXXX or its short form IRVTJPJX. When you receive a branch code, use it as it is instead of replacing it with the head office code.

The best way is to take the code straight from the account holder’s statement. Codes for branches are more prone to be retired than the head office code.

Getting paid from abroad into a The Bank of New York Mellon, Tokyo Branch account

If you expect a payment from another country, give the sender a complete set of details. Give them your name as the bank knows it, the IBAN or account number, the BIC IRVTJPJXXXX and your address.

You can add the bank name and its city too, because some payment forms have separate fields for them. A typo in the IBAN is more trouble than you might think; copy them from your banking app rather than typing.

The amount you receive is often lower than what was sent. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate comes on top. On invoices, you can agree how the fees are split to avoid a shortfall.

Protect yourself against fake payment requests

One of the most common tricks works like this: an email arrives with a message saying that a contact has new bank details. The fact that IRVTJPJX exists is no guarantee that a request mentioning it is genuine.

Always verify changed bank details through a phone call. Pressure or secrecy tend to be red flags – a real supplier can wait a day. If money has already gone to a fraudster, call your bank right away.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Why The Bank of New York Mellon, Tokyo Branch has an 8- and an 11-character code

The structure of a BIC is always the same: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. For The Bank of New York Mellon, Tokyo Branch, that core is IRVTJPJX.

Most payment forms work with either length. If yours asks for eleven characters, enter IRVTJPJXXXX; if it wants eight, use IRVTJPJX.

Type the code in one piece, in upper case and without spaces. A wrong character may route the money to another bank, so check it twice.

What a transfer from The Bank of New York Mellon, Tokyo Branch abroad really costs

An international bank payment costs rather more than the listed fee. You pay the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

That exchange rate margin tends to be the biggest item even though it is not listed as a fee. Compare the rate you are offered against the mid-market rate. The difference is your real conversion cost.

For a lot of routes, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, take a minute comparing the total cost via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at The Bank of New York Mellon, Tokyo Branch as the source of the money, while a cheaper service handles the conversion.

Before you send: check the The Bank of New York Mellon, Tokyo Branch 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. If the code you have differs from IRVTJPJX or IRVTJPJXXXX, stop and ask.

If the code is wrong, the payment might get stuck, be returned or cost extra – sometimes after weeks of searching. Remember the account number: a mistake there can be harder to correct than a wrong code.

An automatic check in your banking app only confirms that the code exists. Some banks now compare the name with the account; take any warning seriously. Sending a small amount first can be worth it for large sums despite the extra fee.