Zengin  System

Zengin System delivers customers' fund transfers in real time all over Japan.

The Zengin System

Zengin System relays domestic credit transfers, connecting banks online as well as clearing funds following the transactions.


The Zengin System started in 1973, expanded its coverage of participants, it currently covers almost all private banks in Japan.


Pamphlet about Zengin System - The Zengin Data Telecommunication Systempdf

Participants to the Zengin System
Banks, Shinkin banks (credit associations) *, credit cooperatives*,
labor banks* and agricultural cooperatives*

*Including central organizations of each type.

Introductory Video of Zengin System:"Welcome to the Zengin System"

Operations of the Zengin System

Data of fund transfer advices sent by banks are forwarded by the Zengin Center to the recipient's bank in real time. At the same time, the Zengin Center accumulates amounts in payment instructions sent by banks. After a business hours ended, Zengin Center develops a report of total amounts of credits/debts between banks and Zengin Center in the day then send the report to the Bank of Japan (BoJ) online. Based on the report, the BoJ credits or debits the current account of each bank or that of Zengin - Net held at the BoJ. With this action, the settlement between banks is completed.

6th Generation Zengin System

The Zengin System is undergoing a series of upgrades to increase transaction volume, improve security and for other reasons. The current system is the 6th generation.


The 6th Generation Zengin System newly settles 100 million yen or larger fund transfers through BOJ-NET’s Next-Generation Real-Time Gross Settlement System to meet international standards on payment and settlement systems at a higher level. In addition, measures have been taken to enhance system flexibility in anticipation of future business expansion, such as enhancing processing performance and enabling XML format conversion.

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