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Send money to Japan

Q: Best way to send money to Japan?

Choosing the right way to send money with Wise will largely depend on your payment method. Some payment methods are faster than others. Some can be instant, while others are cheaper.

Q: How much can I send to Japan online?

Yes, there are limits for how much you can send to Japan with us. They depend on which currencies you send to and from, and how you pay. You can check the limits for each currency in our help center articles or in our calculator . We’ll also let you know if you try to send too much at one time. If you’d like to send more than our limits allow, you can. You’ll just need to set up several transfers that are under the limits.

Q: How to transfer money to Japan online?

Register for free Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account. Choose an amount to send Tell us how much you want to send. We'll show you our fees upfront, and tell you when your money should arrive. Add recipient's bank details Fill in the details of your recipient's bank account. If you don't know their details, we can request them for you. Verify your identity For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe. Pay for your transfer Depending on your currency combination and amount, supported payment methods can include bank transfer, debit or credit cards and others. That's it We'll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.

Fast, low-cost, and secure online money transfers from New Zealand to Japan.

Send money from Japan to New Zealand instead.

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Over 16 million customers

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You send exactly

0 NZD
6.78 NZDOur fee
–
6.78 NZDTotal fees
=
993.22 NZDTotal amount we’ll convert
×
95.4849

Recipient gets

Should arrive by Monday

Get started

Save when you send money to Japan

Sending 1,000 NZD with	Recipient gets(Total after fees)
Cheapest	94,838 JPYSave up to 4,584 JPY
Transfer fee 6.78 NZD Exchange rate(1 NZD JPY) 95.4849 Exchange rate markup 0 NZD Cost of transfer 6.78 NZD

	93,681 JPY- 1,157 JPY
Transfer fee 0 NZD Exchange rate(1 NZD JPY) 93.6809 Exchange rate markup 18.89 NZD Cost of transfer 18.89 NZD

	92,983 JPY- 1,855 JPY
Transfer fee 5 NZD Exchange rate(1 NZD JPY) 93.4500 Exchange rate markup 21.31 NZD Cost of transfer 26.31 NZD

	92,842 JPY- 1,995 JPY
Transfer fee 5 NZD Exchange rate(1 NZD JPY) 93.3086 Exchange rate markup 22.79 NZD Cost of transfer 27.79 NZD

	92,356 JPY- 2,481 JPY
Transfer fee 7.99 NZD Exchange rate(1 NZD JPY) 93.1000 Exchange rate markup 24.98 NZD Cost of transfer 32.97 NZD

	92,133 JPY- 2,704 JPY
Transfer fee 12 NZD Exchange rate(1 NZD JPY) 93.2524 Exchange rate markup 23.38 NZD Cost of transfer 35.38 NZD

	90,253 JPY- 4,584 JPY
Transfer fee 6.99 NZD Exchange rate(1 NZD JPY) 90.8885 Exchange rate markup 48.14 NZD Cost of transfer 55.13 NZD

This applies when you pay in via bank transfer. How do we collect this data?

How to send money to Japan in 3 easy steps

Enter amount to send in NZD.

Pay in NZD 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 NZD, receive JPY.

The recipient gets money in JPY directly from Wise’s local bank account.

Create free account now

Get dedicated support for large transfers

Moving big money? Get our how to guide and start a chat with our team of large-amount experts.

Get started with large transfers

How to send money to Japan from New Zealand

Just tap in how much, and where to.
Then make a local payment to Wise, whether it's with a bank transfer, swift or your debit or credit card.
And that's it.

Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.

How much does it cost to transfer money to Japan?

Pay a small, flat fee and percentage

To send money in NZD to Japan, you pay a small, flat fee of 2.71 NZD + 0.41% of the amount that's converted (you'll always see the total cost upfront).

Fee depends on your chosen transfer type

Some transfer types have different fees which are usually tiny.

No hidden fees

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Fees for our low cost transfers

Fixed fee

2.71 NZD

Variable feeup to 207,067.00 NZD/month

0.41%

Variable feemore than 207,067.00 NZD/month

Discount applies

How long will a money transfer to Japan take?

A money transfer from New Zealand (NZD) to Japan (JPY) should arrive by Monday. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

NZD

JPY

Should arrive

by Monday

What you’ll need for your online money transfer to Japan

Register for free.

Choose an amount to send.

Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.

Add recipient’s bank details.

Fill in the details of your recipient’s bank account.

Verify your identity.

For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.

Pay for your transfer.

Send your money with a bank transfer, POLi, or a debit or credit card.

That’s it.

We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.

Best ways to send money to Japan

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.
Debit Card
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.
Credit 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.
Apple Pay
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.
Google Pay
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.

Trust Wise with safe & secure money transfers to Japan

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.