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.
Payment Located
SWIFT GPI Network · Real-time status
Payment Not Found
No record found in SWIFT GPI or any correspondent banking data
Fraud Awareness Notice
If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
Monitor for 7 Days — Free
We re-check every few hours and notify you the instant this payment appears — no account, no spam.
Watching — we'll email you the moment it appears.
Not sure what to do next?
Ask SwiftMate, our SWIFT assistant, for guidance on payment delays, rejections, and next steps.
Payments can appear hours after initiation — try again later
Details
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.
Key facts
Country: Japan (JP)
Currency: JPY
Domestic settlement: BOJ-NET (Bank of Japan Financial Network System) and Zengin (retail)
Number of major banks listed: 5
Trackable on Ohmyfin: yes — free via UETR
Frequently asked questions
What are the major banks in Japan?
The largest banks in Japan include MUFG Bank, Sumitomo Mitsui (SMBC), Mizuho Bank, Japan Post Bank.
What is the SWIFT code for MUFG Bank?
MUFG Bank's primary SWIFT/BIC is BOTKJPJT (head office in Tokyo). Branches use 11-character extensions of this code.
How are domestic payments settled in Japan?
BOJ-NET (Bank of Japan Financial Network System) and Zengin (retail)
How do I track a SWIFT payment to or from Japan?
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.