J.p. Morgan (S.e.a.) Limited SWIFT/BIC code

SWIFT/BIC code of J.p. Morgan (S.e.a.) Limited

CMSESGSG and CMSESGSGXXX are two ways of writing the same bank identifier, and both point to J.p. Morgan (S.e.a.) Limited in Singapore. A SWIFT code shows the sending bank exactly which bank should receive the money, a bit like a postal address for banks. In practice you usually see the code on invoices from abroad, in payment forms and on the account details that J.p. Morgan (S.e.a.) Limited provides.

We wrote this page to help anyone who sends money to an account at J.p. Morgan (S.e.a.) Limited without mistakes. The SWIFT code alone cannot identify a personal account; that is what the account number or IBAN is for.

Which of the 2 codes of J.p. Morgan (S.e.a.) Limited do you need?

J.p. Morgan (S.e.a.) Limited has 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code, CMSESGSGXXX; the others belong to branches.

Usually there is no need to look up a branch: payments sent to CMSESGSGXXX reach J.p. Morgan (S.e.a.) Limited correctly. Branch codes are only needed if the account holder specifically mentions it.

If you are not sure, ask the person you are paying which code their bank gave them. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Why J.p. Morgan (S.e.a.) Limited has an 8- and an 11-character code

The layout of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. In this case, that core is CMSESGSG.

The long version has a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office, which is why CMSESGSGXXX and CMSESGSG lead to the same place.

Do not add spaces when you enter CMSESGSG or CMSESGSGXXX. Pasting the code beats retyping it, because one wrong letter changes the bank.

Watch out for payment fraud

Stay wary when someone unexpectedly asks you to send money to a different account abroad. The fact that CMSESGSG exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Do not rely on a phone number in the same message that announces the new account. Pressure or secrecy are red flags. When money was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to refund the difference abroad. A screenshot of a transfer proves nothing.

Incoming international payments to J.p. Morgan (S.e.a.) Limited

To receive a transfer from abroad at J.p. Morgan (S.e.a.) Limited, the sender needs not just the SWIFT code. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code CMSESGSGXXX and sometimes your postal address.

Some sending banks want the address of J.p. Morgan (S.e.a.) Limited in Singapore, so keep it at hand. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

What lands in your account is often less than the amount sent. Intermediary banks may deduct a fee, J.p. Morgan (S.e.a.) Limited may charge for incoming payments, and when currencies differ, an exchange rate margin applies. For business payments, it is common to state who bears the costs to avoid a shortfall.

Transfer times and tracking a payment to J.p. Morgan (S.e.a.) Limited

How quickly a transfer arrives at J.p. Morgan (S.e.a.) Limited is determined by a few things: the currency, how many intermediary banks are involved, cut-off times and time zones. Bank holidays in either country add extra days to the journey. Sometimes a bank asks about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, contact the sending bank about the tracking status so they can trace it along the chain. Specialist transfer services often show tracking in their app showing how far the payment is.

If the money does not arrive after a few business days, the sender should contact the bank that sent it. On the receiving end, it helps to look at your account to see a slightly lower amount because fees can reduce the amount.

Paying into J.p. Morgan (S.e.a.) Limited in SGD

Accounts at J.p. Morgan (S.e.a.) Limited are typically held in SGD, the local currency. When you pay money in a different currency it gets converted at some point. Each conversion costs the amount, even when no fee is shown.

Who does the conversion has an effect on the final amount. Check what SGD the recipient gets with several providers.

The rate for SGD changes throughout the day. On larger amounts, even small difference in the rate adds up quickly.

How up to date is this code?

We gather SWIFT/BIC codes using publicly available data and check our list regularly. It can happen that information here is no longer current after a merger or reorganisation. Counts and locations are from our directory and may differ from what J.p. Morgan (S.e.a.) Limited publishes.

See the information on this page as a handy check. GoldexPay is independent of J.p. Morgan (S.e.a.) Limited. Found an error? Let us know via our contact form so we can correct it.

Is CMSESGSG still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details. Compare it with CMSESGSG on this page.

Errors in the SWIFT code tend to be costly rather than fatal – usually the money comes back, minus fees and time lost. Do not forget the IBAN: a mistake there is more difficult to correct than a wrong BIC.

A validity check in your banking app only confirms that the code exists. Some banks now compare the payee name against the account before you confirm; take any warning seriously. A small test payment can be worth it for large sums.

Paying someone abroad from your J.p. Morgan (S.e.a.) Limited account

A bank transfer abroad costs rather more than the listed fee. You pay the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate.

The markup on the rate tends to be the largest cost, and it is easy to miss. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites.

For a lot of routes, a specialist provider turns out to be cheaper than a bank. GoldexPay lists these services side by side, showing the amount the recipient gets. You can always use your account at J.p. Morgan (S.e.a.) Limited to fund the transfer, while a cheaper service handles the conversion.