Global Money Transfer Excellence

Joint Shares Investment Holdings (JS) revolutionizes international money transfers through our advanced SWIFT network connectivity and cutting-edge wire transfer infrastructure. Based in Luxembourg's premier financial district, we facilitate billions in cross-border transactions annually with unmatched speed, security, and reliability.

🌍 Global SWIFT Network Visualization
Real-time Transfer Tracking Dashboard

✅ Why Choose JS for International Transfers?

Our Luxembourg-based infrastructure connects to over 11,000 financial institutions worldwide through the SWIFT network, ensuring your transfers reach any destination quickly and securely. With competitive rates starting from 0.1% and same-day processing, JS delivers exceptional value for your international payment needs.

Understanding SWIFT Transfers

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) is the global standard for international money transfers. Every financial institution participating in international transfers is assigned a unique SWIFT code (also known as BIC - Bank Identifier Code) that ensures accurate routing of funds across borders. At JS, we leverage this robust network to provide seamless cross-border payment solutions.

💡 SWIFT Code Structure Explained

A SWIFT code consists of 8-11 characters:

  • First 4 letters: Bank code (e.g., JSIH for Joint Shares Investment Holdings)
  • Next 2 letters: Country code (e.g., LU for Luxembourg)
  • Next 2 characters: Location code (e.g., LX for Luxembourg City)
  • Last 3 characters: Branch code (optional)

SWIFT Network Transfers

Our SWIFT transfers utilize the world's most trusted messaging system for international payments. Each transfer is tracked through multiple checkpoints, ensuring complete transparency and security from initiation to final settlement.

  • Processing Time: Same day to 48 hours depending on destination
  • Transfer Limits: No maximum limit for verified accounts
  • Currencies Supported: 150+ major and exotic currencies
  • Tracking: Real-time status updates via SMS and email
  • Documentation: Complete audit trail for compliance
📊 SWIFT Message Flow Diagram

Domestic & International Wire Transfers

Wire transfers represent the fastest method for moving funds electronically. Our advanced wire transfer system processes transactions instantly for domestic transfers and within hours for international destinations.

  • Domestic Wires: Instant settlement within Luxembourg and EU
  • International Wires: 2-24 hours to most global destinations
  • Cut-off Times: Extended hours until 6 PM CET for same-day processing
  • Confirmation: Immediate confirmation upon successful transmission
  • Recall Services: Advanced recall options for urgent corrections
⚡ Wire Transfer Processing Infrastructure

Correspondent Banking Network

Our extensive correspondent banking relationships enable us to reach every corner of the globe. With direct relationships in major financial centers and strategic partnerships worldwide, JS ensures optimal routing and competitive rates for all destinations.

  • Direct Relationships: 500+ banks across 6 continents
  • Nostro Accounts: Pre-funded accounts in 50+ currencies
  • Vostro Services: Account maintenance for international banks
  • Trade Finance: Letters of credit and documentary collections
  • Netting Services: Multi-currency payment netting
🏦 Global Correspondent Banking Map

Regulatory Compliance & Security

JS maintains the highest standards of regulatory compliance, adhering to Luxembourg's stringent financial regulations and international AML/KYC requirements. Our multi-layered security framework protects every transaction against fraud and cyber threats.

  • AML Compliance: Advanced screening against global sanctions lists
  • KYC Verification: Multi-factor customer identification processes
  • FATCA/CRS Reporting: Automatic exchange of information compliance
  • PCI DSS Certification: Payment card industry data security standards
  • SOC 2 Compliance: Comprehensive security and availability controls
🔐 Compliance & Security Framework

Transfer Process & Timeline

Our streamlined transfer process ensures maximum efficiency while maintaining complete security and regulatory compliance. Every transfer is processed through our state-of-the-art systems with real-time monitoring and automated exception handling.

🚀 Express Transfer

  • Processing: 30 minutes to 4 hours
  • Fee: 0.25% (min €25, max €250)
  • Currencies: 50+ major currencies
  • Destinations: 80+ countries
  • Tracking: Real-time SMS alerts
Best for: Urgent business payments, time-sensitive transactions

⚡ Standard Transfer

  • Processing: 24-48 hours
  • Fee: 0.15% (min €15, max €150)
  • Currencies: 150+ currencies
  • Destinations: 180+ countries
  • Tracking: Email confirmations
Best for: Regular business transfers, international payments

💰 Economy Transfer

  • Processing: 3-5 business days
  • Fee: 0.1% (min €10, max €100)
  • Currencies: 100+ currencies
  • Destinations: 150+ countries
  • Tracking: Online portal access
Best for: Non-urgent transfers, cost-conscious customers

Frequently Asked Questions

What information do I need to send an international wire transfer?

For all international transfers, you'll need:

  • Beneficiary's full name and address
  • Beneficiary bank's SWIFT/BIC code
  • Beneficiary bank's full name and address
  • Beneficiary account number or IBAN
  • Purpose of transfer and supporting documentation
  • Intermediary bank details (if required)

Additional Requirements for certain countries:

  • India: IFSC code and beneficiary PAN number
  • China: CNAPS code and beneficiary ID number
  • Brazil: CPF/CNPJ number
  • Russia: Correspondent account and VO code
How do exchange rates work for international transfers?

JS offers highly competitive exchange rates with transparent pricing:

  • Live Rates: Real-time exchange rates updated every 30 seconds
  • Rate Lock: Lock in favorable rates for up to 72 hours
  • Forward Contracts: Secure future rates for planned transfers
  • Volume Discounts: Better rates for transfers over €100,000
  • Margin: Competitive 0.25-0.75% margin over interbank rates

Our dealing room operates 24/5 to ensure optimal pricing across all time zones.

What are the transfer limits and restrictions?

Transfer Limits:

  • Minimum: €100 per transfer
  • Maximum: No limit for verified business accounts
  • Personal Accounts: €50,000 daily, €250,000 monthly
  • Business Accounts: €500,000 daily, €2,500,000 monthly

Restricted Countries:

In compliance with international sanctions, we cannot process transfers to certain countries. Please contact our compliance team for the most current list of restrictions.

How can I track my transfer?

JS provides comprehensive tracking options:

  • Reference Number: Unique tracking number for each transfer
  • Online Portal: Real-time status updates 24/7
  • Mobile App: Push notifications for status changes
  • SMS Alerts: Key milestone notifications
  • Email Updates: Detailed status reports
  • API Access: Integration for business customers

You'll receive confirmation within 15 minutes of successful transmission to the beneficiary bank.

What happens if there's an error in my transfer?

Error Prevention:

  • Automated validation of all account numbers and SWIFT codes
  • Name matching against beneficiary bank records
  • Dual approval process for high-value transfers
  • Pre-transmission verification calls for new beneficiaries

If an error occurs:

  • Immediate notification: Alert within 2 hours of detection
  • Free correction: No additional fees for JS errors
  • Priority processing: Expedited handling of corrections
  • Full refund: If transfer cannot be corrected
📱 JS Mobile Transfer App Interface
Intuitive Design for Easy International Transfers

Regulatory Framework & Compliance

As a Luxembourg-regulated financial institution, JS adheres to the highest international standards for anti-money laundering (AML), know your customer (KYC), and counter-terrorism financing (CTF). Our robust compliance framework ensures all transfers meet regulatory requirements across jurisdictions.

⚠️ Important Compliance Information

All international transfers are subject to screening against global sanctions lists including OFAC, UN, EU, and national sanctions regimes. Transfers may be delayed or rejected if they involve sanctioned individuals, entities, or countries. Enhanced due diligence may be required for certain high-risk jurisdictions or transaction types.