Send Money to Philippines from Japan

Save when you send money to Philippines from Japan

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?

Sending 10,000 JPY with	Recipient gets(Total after fees)
	3,604.07 PHP
Transfer fee 322 JPY Exchange rate(1 PHP JPY) 2.68530 Exchange rate markup 0 JPY Cost of transfer 322 JPY

	3,385.80 PHP- 218.27 PHP
Transfer fee 499 JPY Exchange rate(1 PHP JPY) 2.80613 Exchange rate markup 431 JPY Cost of transfer 930 JPY

	2,854.49 PHP- 749.58 PHP
Transfer fee 1,750 JPY Exchange rate(1 PHP JPY) 2.89018 Exchange rate markup 709 JPY Cost of transfer 2,459 JPY

	2,293.26 PHP- 1,310.81 PHP
Transfer fee 3,500 JPY Exchange rate(1 PHP JPY) 2.83439 Exchange rate markup 526 JPY Cost of transfer 4,026 JPY

	1,402.79 PHP- 2,201.28 PHP
Transfer fee 6,000 JPY Exchange rate(1 PHP JPY) 2.85146 Exchange rate markup 583 JPY Cost of transfer 6,583 JPY

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How to send money to Philippines from Japan in 3 easy steps

Enter amount to send in JPY.

Pay in JPY with your debit card or credit card, or send the money from your online banking.

Choose recipient in Philippines.

Select who you want to send money to and which pay-out method to use.

Send JPY, receive PHP.

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

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

1

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.

2

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.

3

Add recipient’s bank details.

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

4

Verify your identity.

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

5

Pay for your transfer.

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

6

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.

How much does it cost to transfer money to Philippines from Japan?

Pay a small, flat fee and percentage

To send money in JPY to Philippines from Japan, you pay a small, flat fee of 240 JPY + 0.85% 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

240 JPY

Variable feeup to 3,946,860 JPY/month

0.85%

Variable feemore than 3,946,860 JPY/month

Discount applies

How long will a money transfer to Philippines from Japan take?

A money transfer from Japan (JPY) to Philippines (PHP) should arrive in 40 minutes. 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

JPY

PHP

Should arrive

in 40 minutes

Best ways to send money to Philippines from 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.

Protecting you and your money

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.

Send money to Philippines from Japan with the Wise app

Looking for an app to send money to Philippines from Japan? Sending money is easy with Wise app.

Cheaper transfers abroad - free from hidden fees and exchange rate markups.
Check exchange rates - see on the app how exchange rates have changed over time.
Repeat your previous transfers - save the details, and make your monthly payments easier.

Learn more about the Wise app