Last reviewed: · Curated by Ohmyfin Organisation editorial.
Japan's banking system runs on BOJ-NET (Bank of Japan Financial Network System) and Zengin (retail). The country's currency is the JPY. The major banks below handle the vast majority of inbound and outbound SWIFT payments to Japan.
Japan runs its domestic interbank settlement on BOJ-NET (Bank of Japan Financial Network System) and Zengin (retail). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in Japan: MUFG Bank (BOTKJPJT, Tokyo), Sumitomo Mitsui (SMBC) (SMBCJPJT, Tokyo), Mizuho Bank (MHCBJPJT, Tokyo), Japan Post Bank (JPPSJPJ1, Tokyo), Resona Bank (DIWAJPJT, Tokyo).
MUFG Bank — SWIFT/BIC BOTKJPJT, headquartered in Tokyo. Japan's largest bank; top JPY clearer worldwide.
Sumitomo Mitsui (SMBC) — SWIFT/BIC SMBCJPJT, headquartered in Tokyo. Top-three Japanese bank; strong cross-border corporate.
Mizuho Bank — SWIFT/BIC MHCBJPJT, headquartered in Tokyo. Major Japanese megabank; Asia / US correspondent network.
Japan Post Bank — SWIFT/BIC JPPSJPJ1, headquartered in Tokyo. Largest deposit-holder; integrated with postal network.
Resona Bank — SWIFT/BIC DIWAJPJT, headquartered in Tokyo. Major Japanese bank focused on retail / SME.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
The largest banks in Japan include MUFG Bank, Sumitomo Mitsui (SMBC), Mizuho Bank, Japan Post Bank.
MUFG Bank's primary SWIFT/BIC is BOTKJPJT (head office in Tokyo). Branches use 11-character extensions of this code.
BOJ-NET (Bank of Japan Financial Network System) and Zengin (retail)
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in Japan (or the international intermediary) is currently holding the payment.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
Sign up free — get 100 credits Or try the tracker now →