Last reviewed: · Curated by Ohmyfin Organisation editorial.
Japanese Yen (JPY) is the currency of Japan, issued by the Bank of Japan. Track any JPY cross-border SWIFT payment free with Ohmyfin — paste your UETR or bank reference to see the live status.
JPY settles via the BOJ-NET large-value system. Cross-border JPY uses SWIFT MT103 through Japanese correspondents like MUFG, SMBC, Mizuho.
Typical processing time: 1-2 business days; Tokyo cut-off 14:00 JST.
On a SWIFT MT103, the JPY amount appears in field 32A together with the value date. The currency code is part of the ISO 4217 standard, so "JPY" means the same thing in every bank in the world.
If your JPY payment is missing or stuck, the most common reasons are correspondent-bank cut-off times, sanctions screening on the beneficiary or originator, or a missing field on the MT103 (purpose-of-payment, beneficiary address). Ohmyfin shows you exactly where the payment is in the chain.
| ISO 4217 code | JPY |
|---|---|
| Full name | Japanese Yen |
| Country / region | Japan |
| Central bank | Bank of Japan |
| Typical SWIFT speed | 1-2 business days; Tokyo cut-off 14:00 JST. |
| RTGS / clearing system | BOJ-NET |
|---|---|
| Daily cut-off (local) | 14:00 JST |
| Next major holidays | Coming of Age Day (2nd Mon Jan) Children's Day (5 May) Culture Day (3 Nov) |
1-2 business days; Tokyo cut-off 14:00 JST.
Yes — paste your UETR or MT103 reference and Ohmyfin returns the latest available SWIFT status of any JPY payment, including which correspondent bank holds it.
The beneficiary IBAN or account number, the beneficiary bank BIC (SWIFT code), and the beneficiary name and address. For larger amounts, a purpose-of-payment code is usually required.
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