Bank & Branch Code
Japanese bank transfers use a combination of a 4-digit bank code and a 3-digit branch code, processed through the Zengin system. This system handles virtually all domestic yen transfers between financial institutions.
At a glance
Country
Japan
Identifier
Zengin
Format
7 digits
Used for
Domestic transfers
Format breakdown
0001
Bank Code
1–4
Institution (e.g. 0001 = Mizuho)
001
Branch Code
5–7
Branch identifier
How Zengin works
The bank code identifies the financial institution and the branch code identifies the specific branch. Both are required for any domestic wire transfer alongside the account number.
Where to find yours
On your bankbook (通帳), cash card, or your bank's website. The Zengin.net directory lists all codes.
Payment systems in Japan
| System | Speed | Description |
|---|---|---|
| Zengin | Same day / instant | Domestic interbank transfers, real-time during business hours |
| BOJ-NET | Same day | High-value settlement through the Bank of Japan |
Major banks in Japan
Good to know
Bank codes for mega-banks: 0001 = Mizuho, 0005 = MUFG, 0009 = SMBC.
Japan Post Bank (ゆうちょ銀行) uses a special conversion for bank/branch codes from its account number.
Zengin transfers after 3:30 PM may settle the next business day.
Related tools
Other countries
Frequently asked questions
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