Mizuho Bank, LTD. SWIFT/BIC code

SWIFT/BIC code of Mizuho Bank, LTD.

MHCBVNVX and MHCBVNVXXXX are the short and the long form of the same bank identifier, and both point to Mizuho Bank, LTD. in Hanoi. Banks worldwide use BIC codes to route payments between countries to the right bank. You will need it mainly for payments that cross a border and payments in foreign currencies.

On this page you can read what the code is put together, when it matters and which other details a transfer to or from Mizuho Bank, LTD. requires. The SWIFT code alone cannot identify a personal account; for that you need the account number or IBAN is for.

MHCBVNVX or MHCBVNVXXXX – which one to use?

The layout of a BIC never changes: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. Together, those parts make up MHCBVNVX – the version you usually see online.

The full version adds a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, so MHCBVNVXXXX and MHCBVNVX are interchangeable.

As a rule the code is typed in capitals. Pasting the code beats retyping it, because one wrong letter changes the bank.

About this information

The directory on GoldexPay draws on public sources and is updated regularly. It is possible that information on this page is no longer current after a merger or reorganisation. Figures such as the number of codes are from our directory.

See the information here as a helpful check. We are an independent comparison service for money transfers and not part of Mizuho Bank, LTD.. If you notice something that is out of date, we welcome a message via the contact page.

When will the money arrive at Mizuho Bank, LTD.?

A SWIFT payment typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Weekends and public holidays in the sending or receiving country add extra days to the journey. Compliance checks by one of the banks may also add some delay.

When a payment takes longer than expected, ask your bank about the status; with that reference banks can see where the payment is. Keep the payment confirmation until the recipient confirms – you will need it for any trace request.

A delayed transfer is investigated from the sending side, using the payment confirmation. Ask the sender for a copy of the payment confirmation including the reference.

Choosing between the 2 SWIFT codes of Mizuho Bank, LTD.

Mizuho Bank, LTD. has 2 different SWIFT/BIC codes across 2 locations. Only one is the head office code, MHCBVNVXXXX; the rest identify branches or departments, and sometimes specific services.

Usually there is no need to pick a branch: payments sent to MHCBVNVXXXX are routed within Mizuho Bank, LTD. correctly. When you receive a branch code, use it as it is instead of swapping it for the head office code.

Unsure which code to use? Check with the recipient, or look at a recent statement from Mizuho Bank, LTD.. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

Getting paid from abroad into a Mizuho Bank, LTD. account

If you expect a payment from another country, give the sender all details at once. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC MHCBVNVXXXX and usually your postal address.

Their bank might request the address of your bank, in which case the Hanoi head office is the usual answer. A typo in your account number is harder to fix than you might think; copy them from your banking app rather than typing.

The amount you receive can be lower than what was sent. Intermediary banks may deduct a fee, and if the currency changes, an exchange rate margin comes on top. On invoices, you can state how the fees are split, so that nobody is left short.

Verifying the SWIFT code of Mizuho Bank, LTD.

Ask the recipient to copy their bank details directly from a recent statement. Compare it with MHCBVNVX on this page and ask if anything does not match.

Mistakes in the SWIFT code are annoying rather than fatal – usually the money comes back, minus fees and time lost. A mistake in the account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

Most online banking apps validate the format of an IBAN and some suggest the matching BIC. If your bank offers it, a payee name check before sending adds an extra layer of safety. For a first payment, many people send a small test amount and wait for confirmation.

Changed bank details? Be careful

A common scam goes like this: an email arrives with a message saying that a supplier now has a new bank account and asking you to pay there from now on. The fact that MHCBVNVX exists is no guarantee that a request mentioning it is legitimate.

Verify new bank details via a different channel like a call to a number from an earlier contract. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call the bank you paid from straight away and ask them to try to recall the payment; also report it to the police.

Recipients are targeted too: 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 is no proof; only your own account shows what has arrived.

International transfers from Mizuho Bank, LTD.: the real cost

The price of a payment abroad has several parts. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted the bank often uses a rate below the actual market rate.

Banks do not list their exchange rate markup separately, but you pay it all the same. Compare their rate with the mid-market rate; the gap is what conversion costs you.

For many currency pairs, a transfer service turns out to be less expensive than a bank, mainly because of the exchange rate. GoldexPay compares what recipients receive with different providers, so you can pick the cheapest route. You can always keep your account at Mizuho Bank, LTD. as the source of the money.