Here you’ll find answers to the most common questions about Japanese yen (JPY) transfers.
Sending to JPY
Who can I send JPY to?
You can send JPY to any Japanese bank account domestically and through Swift, as well as to global accounts that can receive JPY through Swift.
What information do I need about my recipient?
For local payments
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
For Swift payments
Full name on the bank account in Latin alphabet
Swift/BIC code
Account number
How much can I send?
The amount you can send depends on if your registered address on your Wise account is inside or outside Japan. It can also depend on the currency you're sending from, so check the relevant currency article for more info.
If your Wise account's registered address is inside Japan:
You can send up to:
1 million JPY from your Wise balance
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 JPY to domestic Japan recipients, regardless of whether you’re sending from your Wise balance 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 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 JPY.
Learn more about sending Large Transfers if you live in Japan
How long does it usually take for the money to arrive?
Once Wise receives and converts your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days.
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
Sending from JPY
How can I pay for my transfer from JPY?
You can pay by bank transfer or debit card from your own bank account. We do not accept cash deposits or third-party payments. You can’t pay for a transfer by credit card either.
We do not accept payments made from intermediary financial institutions such as Revolut, LinePay or PayPal balance.
How much can I send?
If your Wise account's registered address is inside Japan:
You can send up to:
1 million JPY, or equivalent, from your balance
150 million JPY, or equivalent, 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 JPY per transfer.
Where can I send from?
You can only send JPY to Wise from banks within Japan. You can’t send JPY by Swift.
How long does it usually take for the money to arrive?
It usually takes 0–2 working days for your money to get to Wise, depending on how you pay for your transfer. Then, we convert it and send it out. Conversion can take up to 2 working days.
Payments sent on public holidays or weekends may take longer.
Payments sent late at night or early morning may not get processed until the next business day.
Most PayPay payments reach us instantly 24/7
If you sent your money to our PayPay account by 3pm JST on a business day, we'll usually process your payment within a day.
Payments sent to our MUFG account can take up to 2 business days to reach us.
If your payment doesn't reach us after 2 working days (excluding weekends and public holidays), we recommend that you upload a proof of payment using this link.
I’ve cancelled my payment, how long will my refund take?
We’ll let you know when we’ve refunded your money. The time it takes for you to get your refund depends on how you paid:
Japanese debit card payments usually take around 5 -10 working days. But for some banks it can take up to 1–2 months.
Bank transfers take 1–2 working days
If you paid by bank transfer, we’ll need you to register your bank account details from the Recipients tab so we can refund the money back to you.
We will also send you a notification email letting you know that you will need to enter your bank account details by logging into your Wise account.
How to find your correct JPY bank account details to receive a refund.
Make sure to wait until the above time frame has passed before getting in touch about a refund — we’re not able to speed up the process.
Is there any other information I need to know?
If you live in Japan, you can't hold more than 1 million JPY across all balances or Jars. This is our policy in order to remain compliant with local regulations. Holding limits if you live in Japan
If you are sending money from Japan for the first time, you will need to complete verification. You will be guided to upload your documents when you create a transfer. Getting verified in Japan.
If you are sending money to China, we will ask for your recipient’s province. We don't provide our services to these provinces:
Jilin Sheng 吉林省
Heilongjiang Sheng 黒龍江省/ 黒竜江省 / 黑龙江省
Liaoning Sheng 遼寧省/ 辽宁省