SWIFT Code JOYOJPJT — JOYO BANK, LTD., THE, IBARAKI

About SWIFT Code JOYOJPJT — JOYO BANK, LTD., THE, IBARAKI

SWIFT code JOYOJPJT is the official 8-character head-office BIC (Bank Identifier Code) for JOYO BANK, LTD., THE in IBARAKI, Japan. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by JOYO BANK, LTD., THE for all outward international remittances from IBARAKI. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code JOYOJPJT

The code JOYOJPJT follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code JOYOJPJT

Receiving International Wire Transfers

To receive money from abroad at your JOYO BANK, LTD., THE account in IBARAKI, share SWIFT code JOYOJPJT with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at JOYO BANK, LTD., THE, IBARAKI must provide SWIFT code JOYOJPJT. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using JOYO BANK, LTD., THE in IBARAKI rely on SWIFT code JOYOJPJT for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for JOYO BANK, LTD., THE →

For cheque clearing or NACH mandates, use the MICR code for JOYO BANK, LTD., THE →

For TDS challan deposits, find the BSR code for JOYO BANK, LTD., THE →

How SWIFT Code JOYOJPJT Routes an International Transfer

1. Initiation: The sender provides SWIFT code JOYOJPJT and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to JOYO BANK, LTD., THE.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: JOYO BANK, LTD., THE receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code JOYOJPJT

• Spaces or lowercase letters — Always enter JOYOJPJT uppercase with no spaces.
• Using the wrong city — This code is for IBARAKI only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Japan.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm JOYOJPJT directly with JOYO BANK, LTD., THE's IBARAKI branch or via the SWIFT BIC Directory.