Send money to Japan
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Send money to Japan
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
How to send money to Japan from the US
Enter amount to send in USD
Pay in USD with your debit card or credit card, or send the money from your online banking.
Choose recipient in Japan
Select who you want to send money to and which pay-out method to use.
Send USD, receive JPY
The recipient gets money in JPY directly from Wise’s local bank account.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team
Secure money transfers to Japan
Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.
Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we're on hand when you've got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it's available to you all the time.
Best ways to send money to Japan with WISE
The best way to send United States dollar to Japanese yen is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Direct Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a bank transfer.
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
How to receive money in Japan
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you'll get on the other side.
Local bank account
Local bank account
For local bank account transfers you’ll need to have the recipient’s account details to ensure a smooth transfer. Learn more about bank transfers.
Cheapest way to send money to Japan from the US
The cheapest way to send 1,000 USD to Japan is by using money that's in your Wise account and costs 4.97 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
USD
JPY
| Sending 1,000 USD | Transfer cost | ||
|---|---|---|---|
| Direct debit | 7.26 USD | ||
| Bank transfer | 11.67 USD | ||
| Debit card | 17.81 USD | ||
| Credit card | 69.81 USD | ||
| Google Pay | 66.68 USD | ||
| Apple Pay | 66.68 USD | ||
Fastest way to send money to Japan from the US
Sending money with Wise is super fast: 77% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
USD
JPY
| Sending 1,000 USD | Should arrive | ||
|---|---|---|---|
| Direct debit | by Monday 2:00 AM | ||
| Bank transfer | by Tuesday | ||
| Debit card | by Monday 2:00 AM | ||
| Credit card | by Monday 2:00 AM | ||
| Google Pay | by Monday 2:00 AM | ||
| Apple Pay | by Monday 2:00 AM | ||
Send money to Japan from the US with the Wise app
Looking for an app to send money to Japan? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money to Japan from the US with the Wise app
Looking for an app to send money to Japan? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Money Transfer Service FAQs
- Full bank account name (usually in Katakana) – this must match exactly what’s printed on the first inside page of the bankbook
- Account number – usually 7 digits
- Account type:
- 普通 (Futsuu) Savings/General
- 貯蓄 (Chochiku) Savings Deposit
- 当座 (Touza) Checking/Current
- Bank name and branch – in Latin alphabet, Katakana, Kanji, or provide a bank or branch code
- Full name on the bank account in Latin alphabet
- Swift/BIC code
- Account number
If your Wise account’s registered address is inside Japan:
You can send up to:
- 1 million Japanese yen (JPY) from money that's in your Wise account
- 150 million JPY using Send and paying from outside Wise — such as from a bank account or card
If your Wise account’s registered address is outside Japan:
- You can send up to 150 million Japanese yen (JPY) to domestic Japan recipients, regardless of whether you’re sending from money that's in your Wise account or paying in from outside Wise.
- If you are sending to a Swift recipient in Japan, the minimum amount you can send is 1 million Japanese yen (JPY). Sending to domestic recipients is cheaper and faster, so please ask your recipient for a domestic account for ‘furikomi’ (振込) purposes instead if you’re sending less than 1 million Japanese yen (JPY).
Learn more about sending Large Transfers if you live in Japan
If you’re sending to a recipient using the Swift payment network, it will take longer. A Swift recipient is a recipient that has a Swift (BIC) code, rather than a domestic bank and branch code. When sending using Swift, correspondent banks in between may also deduct their handling fees. We can send Swift payments to most major Japanese banks, but please check with your recipient bank for more details.
We recommend asking your JPY recipient for a domestic bank account when possible, as your transfer will be faster and cheaper this way.
When the money is in transit, correspondent banks in between may also deduct their handling fees. We can send Swift to most major Japanese banks, but please check with your recipient bank for more details.
We’ll always give you an estimate for how long your transfer will take when you set it up.
Learn more about how long transfers take
See where Wise works
- Send money
- Account details
- Hold and convert money
- Banks in Japan
- United States dollarGet USD account details
- Hong Kong dollarSwift/BIC, Account number, Bank code, Branch code and Bank nameGet HKD account details
- United Arab Emirates dirham
- Argentine peso
- Australian dollar
- Bangladeshi taka
- Canadian dollar
- Swiss franc
- Chilean peso
- Chinese yuan
- Colombian peso
- Costa Rican colón
- Czech koruna
- Danish krone
- Dominican peso
- Egyptian pound
- Euro
- British pound
- Georgian lari
- Ghanaian cedi
- Hong Kong dollar
- Hungarian forint
- Indonesian rupiah
- Israeli shekel
- Indian rupee
- Japanese yen
- Kenyan shilling
- South Korean won
- Sri Lankan rupee
- Moroccan dirham
- Mexican peso
- Malaysian ringgit
- Nigerian naira
- Norwegian krone
- Nepalese rupee
- New Zealand dollar
- Peruvian sol
- Philippine peso
- Pakistani rupee
- Polish złoty
- Paraguay guaraní
- Romanian leu
- Swedish krona
- Singapore dollar
- Thai baht
- Turkish lira
- Tanzanian shilling
- Ukrainian hryvnia
- Ugandan shilling
- United States dollar
- Uruguayan peso
- Vietnamese dong
- South African rand