U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch SWIFT/BIC code

SWIFT/BIC code of U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch

The short code UBAFJPJX and the full code UBAFJPJXXXX refer to the same bank: U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch. A SWIFT code tells the sending bank which institution should receive the money, a bit like a postal address for banks. You will need it mainly when dealing with payments that cross a border.

This page is meant to help anyone who receives money at an account at U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch without mistakes. Remember that the SWIFT code only identifies the bank, not the person: the account number or IBAN does that part.

A note on our data

We gather bank codes using public sources and check them regularly. It can happen that information on this page is out of date. The number of codes we show reflect our own data.

See the information here as a helpful check, and let the details from the recipient or U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch have the final say. GoldexPay is a comparison site for money transfers and not affiliated with U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch. Spotted outdated information? Let us know via our contact form.

How long does an international transfer to U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch take?

There is no single answer for every transfer: some arrive within a day while others need several business days. Transfers sent after the cut-off time or just before weekends and holidays usually start a business day later. Extra checks on larger or unusual payments may also cause a delay, even when all details are correct.

If a transfer is late, contact your bank about the tracking status and the transaction reference; with that reference banks can see where the payment is. Save your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

The bank that sent the money is able to start an official trace; the receiving side usually has nothing to trace yet. Request from the sender the payment receipt.

Sending JPY to U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch

Japan pays in the Japanese Yen. Money sent in a different currency is converted into JPY before it reaches the account, and whoever converts it chooses the rate. Every conversion eats into the amount – usually through the rate rather than a fee.

Who does the conversion has an effect on how much arrives, as rates and margins differ per bank. Check how much JPY the recipient gets via several providers.

Exchange rates change during the day. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.

8 or 11 characters: UBAFJPJX versus UBAFJPJXXXX

A BIC is made up of a few fixed parts: the first four letters identify the bank, characters five and six give the country and characters seven and eight indicate the location. Combined, those parts make up UBAFJPJX – the version you usually see online.

Many banks and apps accept both lengths. If a form asks for eleven characters, use UBAFJPJXXXX, otherwise UBAFJPJX is fine.

As a rule the code is typed in capitals. Look out for the letter O and the digit 0 or the letter I and the digit 1.

Incoming international payments to U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch

A sender in another country will ask for several details about your account. Give them the account holder’s name, your account number or IBAN, SWIFT code UBAFJPJXXXX and your address, which some banks require.

The sender’s bank might request the bank address of U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch; the head office in Tokyo is usually fine. Double-check every detail before you share them.

Do not be surprised if the amount credited is smaller than what the sender paid. Intermediary banks may deduct a fee, U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch may charge for incoming payments, and if the currency changes, a markup on the rate comes on top. Make clear with the sender who covers the fees, especially for larger amounts.

Is UBAFJPJX still correct? How to check

The best place to find the correct BIC remains paperwork issued by the bank, such as a statement or the account details in online banking. Compare that code with UBAFJPJX here; if they differ, ask before you pay.

Mistakes in the BIC tend to be annoying more than fatal. Remember the account number: a mistake there can be harder to undo than a wrong code.

An automatic check in your banking app merely tells you that the IBAN is valid, not that it is the right account. Where available, a payee name check on the recipient adds extra certainty. A small test payment can be worth it for large sums despite the extra fee.

Scams that use SWIFT codes

Stay wary if someone suddenly asks you to send money to another account abroad. That UBAFJPJX is a real code is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Never rely on a phone number from the same email that contains the change. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If a payment was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to send back the difference. Wait until the money has really arrived.

U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch: head office code versus branch codes

We have 2 SWIFT/BIC codes for U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch, spread over 2 cities. Next to the head office code UBAFJPJXXXX, there are codes for individual branches and departments.

For most incoming transfers, the head office code UBAFJPJXXXX works fine. Just use a branch code when your contact gives you that exact code.

When in doubt, check with the recipient which code their bank gave them. Codes can change over time, so a code from an old document is not always valid.

What a transfer from U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch abroad really costs

What you pay for an international transfer is made up of several parts – not just the fee on your screen. Besides a fixed fee, banks in between can deduct a fee, and if currencies are converted, the bank often uses a rate that is less favourable than the real market rate.

That exchange rate margin tends to be the largest item even though it is not listed as a fee. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many routes, a specialist provider is cheaper than a bank. Before your next transfer, take a minute to compare what arrives on GoldexPay. Choosing a specialist does not mean closing your account at U.b.a.f. - Union de Banques Arabes et Francaises Tokyo Branch.