SWIFT Code SMBCJPJTOSA — SUMITOMO MITSUI BANKING CORPORATION, OSAKA

About SWIFT Code SMBCJPJTOSA — SUMITOMO MITSUI BANKING CORPORATION, OSAKA

SWIFT code SMBCJPJTOSA is the official 11-character branch-specific BIC (Bank Identifier Code) for SUMITOMO MITSUI BANKING CORPORATION in OSAKA, 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 SUMITOMO MITSUI BANKING CORPORATION for all outward international remittances from OSAKA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code SMBCJPJTOSA

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

When to Use SWIFT Code SMBCJPJTOSA

Receiving International Wire Transfers

To receive money from abroad at your SUMITOMO MITSUI BANKING CORPORATION account in OSAKA, share SWIFT code SMBCJPJTOSA 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 SUMITOMO MITSUI BANKING CORPORATION, OSAKA must provide SWIFT code SMBCJPJTOSA. 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 SUMITOMO MITSUI BANKING CORPORATION in OSAKA rely on SWIFT code SMBCJPJTOSA 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 SUMITOMO MITSUI BANKING CORPORATION →

For cheque clearing or NACH mandates, use the MICR code for SUMITOMO MITSUI BANKING CORPORATION →

For TDS challan deposits, find the BSR code for SUMITOMO MITSUI BANKING CORPORATION →

How SWIFT Code SMBCJPJTOSA Routes an International Transfer

1. Initiation: The sender provides SWIFT code SMBCJPJTOSA 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 SUMITOMO MITSUI BANKING CORPORATION.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: SUMITOMO MITSUI BANKING CORPORATION receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code SMBCJPJTOSA

• Spaces or lowercase letters — Always enter SMBCJPJTOSA uppercase with no spaces.
• Using the wrong city — This code is for OSAKA 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 SMBCJPJTOSA directly with SUMITOMO MITSUI BANKING CORPORATION's OSAKA branch or via the SWIFT BIC Directory.