The Nishi-Nippon City Bank, LTD SWIFT/BIC code

What NISIJPJT means for a payment to The Nishi-Nippon City Bank, LTD

NISIJPJT and NISIJPJTXXX are the short and the long form of the same SWIFT/BIC code, and both point to The Nishi-Nippon City Bank, LTD in Fukuoka. A SWIFT code shows the banks handling a payment which institution should receive the money, a bit like a postal address for banks. You will need it mostly for transfers between countries or a currency.

On this page you will find how the code means, when it matters and what else a transfer to or from The Nishi-Nippon City Bank, LTD requires. The SWIFT code on its own cannot identify a personal account; that is what the IBAN or account number .

About this information

The directory on GoldexPay is based on publicly available sources. Banks merge, change names and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our directory and are not confirmed by The Nishi-Nippon City Bank, LTD.

Before any payment of any size, check the BIC with The Nishi-Nippon City Bank, LTD or the recipient. GoldexPay has no connection to The Nishi-Nippon City Bank, LTD, we only compare transfer services. Should you notice a mistake, we welcome a short note.

Choosing between the 2 SWIFT codes of The Nishi-Nippon City Bank, LTD

The Nishi-Nippon City Bank, LTD uses 2 separate SWIFT/BIC codes. Only one is the head office code; the others identify branches or departments, and sometimes specific services.

For most payments to a private or business account, the head office code NISIJPJTXXX is what you need. Only use a branch code when your contact explicitly asks for it.

When in doubt, check with the recipient which code their bank gave them. Codes for branches are more prone to be retired than NISIJPJTXXX when a bank merges or closes offices.

When will the money arrive at The Nishi-Nippon City Bank, LTD?

There is no single answer for every transfer: some arrive within a day. Transfers sent late in the day or just before a weekend or public holiday often go out the next business day. Sometimes a bank wants to know what the payment is for.

If the money is delayed, ask your bank for the status. Save your transfer receipt until the recipient confirms.

If the money does not arrive after a few business days, the sender should start with their own bank, not the receiving bank. On the receiving end, it helps to look at your statements for a slightly lower amount.

The Japanese Yen and what conversion costs you

Japan uses the Japanese Yen. When you pay money in a different currency has to be converted somewhere along the way – by your bank, by The Nishi-Nippon City Bank, LTD or by a bank in between. Each conversion costs the amount – usually through the rate rather than a fee.

Who does the conversion has an effect on how much arrives. Transferring the money already in JPY usually avoids an extra conversion by The Nishi-Nippon City Bank, LTD, provided the rate you get is fair.

Exchange rates move all the time, and some providers let you lock in a rate. For recurring payments, a slightly better rate add up over a year.

Sending money abroad from The Nishi-Nippon City Bank, LTD

A bank transfer abroad can cost more than the listed fee. There is the transfer fee, possibly charges from correspondent banks in between and, above all, the exchange rate markup.

The real cost is often in the rate, rather than in the fee: many banks convert using an exchange rate with a margin built in. An easy check: set the rate you get against the mid-market rate for the same moment and look at the difference.

For a lot of routes, a transfer service turns out to be cheaper than a bank – mostly thanks to the rate. Next time you send money, take a minute comparing the total cost via GoldexPay. You can always keep your account at The Nishi-Nippon City Bank, LTD to fund the transfer, while a cheaper service handles the conversion.

Watch out for payment fraud

A common scam goes like this: an email arrives with a request claiming that a company has new bank details and asking you to pay there from now on. A correct SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Do not trust contact details from the same email that announces the change. Urgency or requests to keep it quiet are red flags. Acted too fast? Contact the bank you paid from straight away and ask them to start a recall; also report it to the police.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to refund the difference. Wait until the money has really arrived – ask The Nishi-Nippon City Bank, LTD if something looks wrong.

Is NISIJPJT still correct? How to check

Have the recipient copy the account details directly from a recent statement. When the code you were given does not match NISIJPJT or NISIJPJTXXX, do not guess: check with the recipient or with The Nishi-Nippon City Bank, LTD directly.

A wrong SWIFT code can cause a delay, a returned payment or extra fees for investigation. Remember the account number: a mistake there is harder to undo than a wrong BIC.

An automatic check by your bank only confirms that the code is valid – not that it belongs to the person you mean to pay. Where available, a payee name check before sending gives an extra layer of safety. Sending a small amount first is worth it for large sums.

Incoming international payments to The Nishi-Nippon City Bank, LTD

A sender in another country will ask for a few details from you, and missing ones are a common cause of delays. What they need is: your name, IBAN or account number, NISIJPJTXXX or NISIJPJT and often your postal address.

You can add The Nishi-Nippon City Bank, LTD and its city as well, since some forms ask for it. Double-check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is below what the sender paid. Fees for incoming transfers vary from bank to bank. Make clear with the sender who covers the fees.

NISIJPJT or NISIJPJTXXX – which one to use?

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and two characters for the location. For The Nishi-Nippon City Bank, LTD, the 8-character core is NISIJPJT.

XXX at the end of NISIJPJTXXX is not a placeholder or an error: it indicates the head office of The Nishi-Nippon City Bank, LTD. Some banking apps insist on 11 characters, in which case you simply add XXX behind NISIJPJT.

Leave out spaces, dots when you type NISIJPJT; the code is always written in one block. Watch for the letter O and the digit 0 or the letter I and the digit 1, a common source of typos.