Money Transfer Japan

Compare fees, exchange rates & transfer speeds for sending money from Japan. Plus a free scam checker to keep your money safe.

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Disclaimer: Fees and exchange rates shown are estimates based on publicly available information and live mid-market rates. Actual costs may vary. Always verify on the service's official website before sending money. This site does not provide financial advice.

Sending a Large Amount from Overseas to Japan?

Transferring over 1,000,000 JPY requires extra planning. Here's what you need to know about fees, tax reporting, and the best strategy for your situation.

Important: This is general guidance, not legal or tax advice. For transfers over 30,000,000 JPY or complex tax situations, consult a licensed tax accountant (zeirishi) in Japan.

Is this a scam? Check here.

Describe the situation or paste the message you received. We'll check it against known scam patterns targeting foreigners in Japan.

Common Scams Targeting Foreigners in Japan

About Send Money Japan

Send Money Japan is a free comparison tool that helps foreign residents in Japan find the cheapest and fastest way to send money internationally.

We compare fees, exchange rates, and transfer speeds across major services available in Japan — from fintech apps like Wise to traditional banks like SMBC Prestia and Japan Post.

What we do:

  • Show real-time mid-market exchange rates
  • Calculate actual fees for each service
  • Check for scams targeting foreigners in Japan
  • Keep data updated based on official sources

This tool is 100% free, with no ads and no tracking cookies. Built for the international community in Japan.

Contact: contact@sendmoneyjapan.com

Frequently Asked Questions

Do I need a My Number card to send money from Japan?

Yes for most bank transfers. Wise and Revolut require identity verification which includes My Number.

What is the cheapest way to send money from Japan?

Depends on the amount. For small amounts (<¥50,000), SBI Remit or Western Union via Seven Bank. For larger amounts, Wise typically offers the best value due to mid-market rates.

Can I send money from a convenience store?

Yes, SBI Remit supports convenience store payments. Western Union works through Seven Bank ATMs available at 7-Eleven stores 24/7.

How much money can I send from Japan per year?

There is no strict annual limit, but transfers over ¥1,000,000 require reporting to the Bank of Japan. Individual services may have their own limits.

Is it safe to use online money transfer services?

Yes, services like Wise, Revolut, and SBI Remit are regulated and licensed. Always verify you're using the official website. Check our Scam Checker tab if you're unsure.

How long does an international transfer take?

Typically 0-5 business days depending on the service and destination. Wise and SBI Remit are usually fastest (same day to 2 days). Bank transfers (SWIFT) take 3-7 days.

What fees should I watch out for?

Transfer fee, exchange rate markup, and intermediary bank fees. Our comparison tool shows the first two. Intermediary fees (¥2,000-5,000) may apply for SWIFT transfers.

Can I send money from Japan without a bank account?

Western Union via Seven Bank ATM doesn't require a Japanese bank account. PayPal only requires a PayPal account.

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