Last reviewed: · Curated by Ohmyfin Organisation editorial.
Japan and China maintain the world's second and third largest economies, with significant trade-finance and personal remittance flows. JPY wires route through BOJ-NET (Bank of Japan Financial Network System) and SWIFT to a Chinese bank, settling on CIPS. BOJ-NET's daily closing time of 16:30 JST creates an early cut-off; payments sent late in the Tokyo day arrive in China the next business day. JPY is converted to CNY via a USD intermediate. SAFE registration is required for large inward FX amounts. Both JFSA (Japanese regulator) and PBOC/SAFE apply AML screening. Track your UETR on Ohmyfin for live GPI status.
Settlement path: BOJ-NET (Bank of Japan) → CIPS / CNAPS. Currency pair: JPY → CNY.
The three most common causes of delay on this corridor are: (1) SAFE FX registration and CNY conversion controls at the Chinese end, (2) Early Tokyo cut-off (BOJ-NET closes 16:30 JST) reducing same-day window, and (3) JPY-to-CNY conversion via USD intermediate step at the correspondent.
If the payment has not arrived within 5 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC shown on the Ohmyfin GPI tracker.
Most SWIFT transfers on the Japan–China corridor credit the beneficiary within 2 business days. In 95% of cases the payment arrives within 5 business days. The most common delay is safe fx registration and cny conversion controls at the chinese end.
The three most common delay causes are: SAFE FX registration and CNY conversion controls at the Chinese end; Early Tokyo cut-off (BOJ-NET closes 16:30 JST) reducing same-day window; JPY-to-CNY conversion via USD intermediate step at the correspondent.
Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 5 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC.
The dominant settlement path is BOJ-NET (Bank of Japan) → CIPS / CNAPS. The currency pair is JPY → CNY.
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