United Overseas Bank LTD., Tokyo Branch SWIFT/BIC code

United Overseas Bank LTD., Tokyo Branch SWIFT code: UOVBJPJT

The 8-character code UOVBJPJT and the 11-character code UOVBJPJTXXX refer to the same bank: United Overseas Bank LTD., Tokyo Branch, with its head office in Tokyo. Every bank on the SWIFT network uses these codes to direct international transfers to the right bank. In daily life you usually come across it on international invoices, in your banking app and in the bank details of United Overseas Bank LTD., Tokyo Branch customers.

This page is meant to help anyone who sends money to an account at United Overseas Bank LTD., Tokyo Branch. Keep in mind that the SWIFT code just identifies the bank, not the person: the IBAN or account number does that part.

How long does an international transfer to United Overseas Bank LTD., Tokyo Branch take?

How fast a payment reaches United Overseas Bank LTD., Tokyo Branch is determined by a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Bank holidays in either country add extra days to the journey. Extra checks on larger or unusual payments can also add a delay.

Many banks use SWIFT gpi. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation; it contains the details a bank needs to start a trace.

The bank that sent the money is able to request a trace. On the receiving end, it helps to check your account to see a slightly lower amount.

International transfers from United Overseas Bank LTD., Tokyo Branch: the real cost

The price of an international transfer has several parts. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

Banks rarely show their exchange rate markup as a cost. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Money transfer services frequently offer a rate near the mid-market rate and lower fees. GoldexPay compares what recipients receive across providers, so you can pick the cheapest route. Using a transfer service does not require closing your account at United Overseas Bank LTD., Tokyo Branch – you pay the provider from your own account.

Where our SWIFT data comes from

The details here come from public sources that we update regularly. Still, banks merge or change codes. Figures such as the number of codes are from our directory and may differ from what United Overseas Bank LTD., Tokyo Branch publishes.

See the information on this page as a helpful check. GoldexPay is independent of United Overseas Bank LTD., Tokyo Branch; we are a comparison site for money transfers. Found outdated information? Let us know through the contact page so we can correct it.

Is UOVBJPJT still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given differs from UOVBJPJT or UOVBJPJTXXX, do not guess.

Mistakes in the BIC are annoying rather than fatal. Do not forget the IBAN: a mistake there is harder to correct than a wrong code.

A format check by your bank merely tells you that the IBAN is valid – not that it belongs to the person you mean to pay. Where available, a payee name check before sending adds an extra layer of safety. When you pay someone new, some people send a small test amount.

What the XXX in UOVBJPJTXXX means

A SWIFT code is built from fixed blocks: characters one to four stand for the bank, the next two give the country and the two after that indicate the location. That gives you UOVBJPJT.

The full version has a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, which is why UOVBJPJTXXX and UOVBJPJT lead to the same place.

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

Head office or branch code at United Overseas Bank LTD., Tokyo Branch?

Our database contains 2 SWIFT/BIC codes for United Overseas Bank LTD., Tokyo Branch, spread over 1 locations. Next to the head office code UOVBJPJTXXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, go with UOVBJPJTXXX or its short form UOVBJPJT. A branch code only makes sense when the account holder explicitly mentions it, which is more common for corporate accounts and specialised services.

Not sure which code applies? Check with the recipient, or look at a recent statement from United Overseas Bank LTD., Tokyo Branch. Branch codes are more prone to be retired than UOVBJPJTXXX when a bank merges or closes offices.

What to give a sender who pays you at United Overseas Bank LTD., Tokyo Branch

When you are waiting for money from abroad, give the sender a complete set of details. Share the account holder’s name, your account number or IBAN, SWIFT code UOVBJPJTXXX and your address.

It helps to add the bank name and Tokyo too. Check every detail before you share them.

An incoming payment will not always arrive in full. Charges on incoming payments differ from bank to bank. Agree with the sender who pays which costs before the money is sent.

Protect yourself against fake payment requests

Scammers often use fake invoices containing changed bank details, sometimes in an email that looks completely genuine. A valid SWIFT code tells you nothing about who owns the account.

Never trust contact details from the same email that announces the change. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

Scams also target the receiver: someone sends too much and asks you to refund the extra to a new account. A payment confirmation from the sender is no proof – check your own account.

The Japanese Yen and what conversion costs you

The local currency of Japan is the Japanese Yen (JPY). A payment in a foreign currency is exchanged into JPY before it reaches the account – and the bank that does it picks the rate. Each conversion eats into the amount.

Where the conversion happens affects the final amount, since every bank sets its own rate. Sending the money directly in JPY usually prevents a second conversion, provided the rate you get is fair.

Exchange rates move during the day. With bigger transfers, a small gap in the rate can be worth more than the fee.