Who can I send Japanese yen (JPY) to?

You can send Japanese yen (JPY) to any Japanese bank account domestically and through Swift, as well as to global accounts that can receive Japanese yen (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 Japanese yen (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 Japanese yen (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 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

How long does a money transfer take?

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

International money transfers

Join over 12.8 million people sending money abroad — with fees as low as 0.1%.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (13h)

You send exactly

Sending over 20,000 GBP or equivalent? We'll discount our fee

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 JPY
Our fee
204 JPY

Total included fees (10.20%)
204 JPY

You could save up to 1,563 JPY

Should arrive by Thursday 1:00 AM

International money transfers

Join over 12.8 million people sending money abroad — with fees as low as 0.1%.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (13h)

You send exactly

Sending over 20,000 GBP or equivalent? We'll discount our fee

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 JPY
Our fee
204 JPY

Total included fees (10.20%)
204 JPY

You could save up to 1,563 JPY

Should arrive by Thursday 1:00 AM

See how much it costs to send money abroad

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Send money now

Sending 2,000 JPY with	Recipient gets(Total after fees)
	700.20 PHP
Transfer fee 204 JPY Exchange rate(1 PHP JPY) 2.56499 Exchange rate markup 0 JPY Cost of transfer 204 JPY

	565.79 PHP- 134.41 PHP
Transfer fee 499 JPY Exchange rate(1 PHP JPY) 2.65294 Exchange rate markup 66 JPY Cost of transfer 565 JPY

	90.69 PHP- 609.51 PHP
Transfer fee 1,750 JPY Exchange rate(1 PHP JPY) 2.75671 Exchange rate markup 139 JPY Cost of transfer 1,889 JPY

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

Amount

From

	Wise	PayPal	Rakuten
Recipient gets (Total after fees)	700.20 PHP	565.79 PHP	90.69 PHP
Exchange rate markup	0 JPY	66 JPY	139 JPY
Exchange rate (1 PHPJPY)	2.56499	2.65294	2.75671
Transfer fee	204 JPY	499 JPY	1,750 JPY
Total transfer cost	204 JPY	565 JPY	1,889 JPY

Show more providers

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

Federally regulated. Check how we’re licensed state by state
We help 12.8 million customers move £30bn every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money internationally from the US

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money internationally from the US

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money internationally from the US

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

Get fees as low as 0.1% on large transfers

Buying property, retiring abroad, making investments? We’re here to support with life-changing money moves.

Earn discounts when you send over 20,000 GBP.
Get dedicated support from a team of specialists in large transfers.

How we keep your money safe

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.

How we keep your money safe

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 internationally with WISE

The best way to send Japanese yen to Philippine peso is from a Wise balance. It’s cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Bank Transfer
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
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.

Cheapest way to send money abroad from United States

The cheapest way to send 2,000 JPY to PHP is from a Wise balance and costs 108 JPY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

JPY

PHP

Sending 2,000 JPY	Transfer cost
Bank transfer	204 JPY

Debit card	273 JPY

Fastest way to send money abroad from United States

Sending money with Wise is super fast: 60% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

JPY

PHP

Sending 2,000 JPY	Should arrive
Bank transfer	by Thursday 1:00 AM

Debit card	in 20 minutes

Send money from the US with the Wise app

Looking for an international money transfer app? 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.

Download Wise

Send money from the US with the Wise app

Looking for an international money transfer app? 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.

Download Wise

Do more with Wise in the US

You can use Wise for much more than just sending money. Here is what's available, based on where you live.

Open an account

Receive money fast
Get paid easily in other currencies with global account details.
Explore getting paid
Save on spending abroad
Pay and withdraw cash worldwide without any foreign transaction fees.
Learn about Wise cards
3.92%APY on USD
Receive interest*
Opt in and get passthrough FDIC insurance up to $250,000 through our Program Bank.¹
See our interest feature

*Receive interest is not available to residents of New York and Alaska at this time.

Frequently asked questions

See where Wise works

Send money
Account details
Hold and convert money

The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account “swept” into a Federal Deposit Insurance Corporation (“FDIC”) insured interest-bearing account at one or more participating banks (each, a “Program Bank”) that will hold and pay interest on the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.

For customers opted in to receive interest on EUR and GBP balances, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of 250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the “Eligible Balances”).

International money transfers

International money transfers

See how much it costs to send money abroad

How to send money internationally from the US

1. Choose where the money's going

2. Choose how much to send

3. Choose how to pay

How to send money internationally from the US

1. Choose where the money's going

2. Choose how much to send

3. Choose how to pay

How to send money internationally from the US

1. Choose where the money's going

2. Choose how much to send

3. Choose how to pay

Get fees as low as 0.1% on large transfers

How we keep your money safe

Best ways to send money internationally with WISE

Bank Transfer

Bank Transfer

Debit Card

Debit Card

How to receive money

Wise account

Wise account

Bank account

Bank account

Cheapest way to send money abroad from United States

Fastest way to send money abroad from United States

Send money from the US with the Wise app

Cheap transfers abroad

Track exchange rates

Real-time notifications

Send money from the US with the Wise app

Cheap transfers abroad

Track exchange rates

Real-time notifications

4.3 / 5 on Trustpilot from 256,804 reviews

Do more with Wise in the US

Receive money fast

Save on spending abroad

Receive interest*

Frequently asked questions

Who can I send Japanese yen (JPY) to?

What information do I need about my recipient?

How much can I send ?

How long does a money transfer take?

See where Wise works