Can Japanese banks receive payments from outside Japan via IBAN?

For instance, Japan Post Bank does not accept IBAN, so sending money to a Japan Post Bank account is very complicated.

Is there no Japanese bank that accepts payments via IBAN?

  • Could you open an account at a Japanese branch of a European bank? Oct 25, 2013 at 18:38

2 Answers 2


Basically speaking, Japanese bank accounts are identified by three numbers:

  1. The four digit Bank number. For example 0005 is Mitsubishi Tokyo UFJ Bank

  2. The three digit Branch number. For example 001 = Main branch for Mitsubishi.

  3. The account number. This is your account number.

Your ATM Cash Card and passbook will have these numbers on it in the format XXXX-YYYY-ZZZZZZZZ.

When you use an ATM to send money to someone else (like your landlord) you but in these three numbers or use the search feature instead for the first two. This works the same whether you are talking about Mitsubishi, Mizuho, etc. The only thing to note is that while real banks use locations for the branch number (i.e. Ueno branch, Marunouchi branch, etc.), online only banks like Sony Bank (MoneyKit), Rakuten Bank, SBi, etc. use fake locations like colors, etc. This doesn't matter much though.

Japan Post bank is technically not a bank and uses a totally different numbering system, though recently they have come up with a strange formula to convert your JP Bank account number into a normal bank account number so you can send payments to it as shown above).

All of this is basically for domestic transfers only, though. If you want to transfer money internationally, there are two basic ways:

  • The official way. Go to your bank overseas, and give them the SWIFT code and account code for your bank (likely the branch code will be necessary as well). The problem here is that they will likely charge a high fee for sending the money, and your bank in Japan may also charge a high fee for receiving it! (In addition to any currency conversion fees). A second problem is that only the very major banks even have SWIFT codes.

  • Use a money transfer service that can handle both Japan and your other country. For example, you can use 2 Paypal accounts (Only in the direction of From Japan To overseas, though!), or you can use something like MoneyBookers

Either way IBAN is a European standard and isn't used in Japan.

If you just want to spend some money in Japan, the most convenient way is probably a foreign visa debit card. Or, you can use a foreign ATM card in Japan to withdraw cash and then deposit it into your Japanese account.

  • 1
    Originally IBAN was an U.S. invention, but was never used there (Strange, isn't it?). But nowadays Europe is adopting and promoting it in conjunction with SEPA (Single European Payments Area) which makes it really easy to transfer money across Europe. Many other countries (mainly in South America and the Med area) have already adopted the IBAN notation. Hopefully Japan will too some day ;) Jul 24, 2015 at 10:04
  • @hikaru-shindo, can you give a reference to the US origin of IBAN? Whereever I look, they say it was developed in Europe.
    – texnic
    Dec 1, 2019 at 7:54
  • @texnic I could not find an english source. I believe what I meant is this: de.wikipedia.org/wiki/Internationale_Bankkontonummer#Geschichte (It states: "Seinerzeit von den USA vorangetrieben – die selbst die IBAN aber bis heute nicht umgesetzt haben – sind derzeit die Länder der Europäischen Union die treibende Kraft für die Benutzung der IBAN." which means "In its days driven by the US - which did not adopt the IBAN to this day - the countries of the EU are the driving force for the usage of the IBAN now.") I think it's about ISO 13616:1997 which preceeded IBAN? Jan 9, 2020 at 12:43

Japan has not implemented the IBAN system (yet), at least according to the Wikipedia list. IBAN is a European thing, slowly spreading around the globe, and hasn't reached Japan and many other countries yet.

SWIFT is your friend here.

Adoption of the IBAN at various levels (as of December 9, 2019):  https://commons.wikimedia.org/wiki/File:IBANMap-World6.svg

  • Even SWIFT is not supported by all banks.
    – Noah
    Aug 7, 2014 at 4:24

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