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Send money to Japan

Safe, secure and cost-effective transfer options when you need to send money to Japan.


Fact checked

Whether you’re a Japanese national living in Hong Kong trying to support a family back home, or an Hong Kong buying a property or car in Japan, there’s never been a better time to need to transfer money to the land of the rising sun.
There are now many banks and money transfer services available to help you send money overseas to Japan without high exchange rates and high fees.

Send money to Japan with TransferWise


Make online transfers with transparent exchange rates, low fees and low minimum amounts.

  • Fair service fees and mid-market rates – a major market differentiator
  • Next-day delivery for most currencies
  • Easy-to-use app

Compare international money transfer companies which allow transfers to Japan

You can use the table below to sort through different money transfer options to Japan. Use the table headings to sort through fees, minimum transfer amounts, transfer methods and more. If you’d like to find out more about a product, click the “More” link, or if you’d like to register with the service click on “Go to Site”.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
SGD 1 1 day HKD 40.00 13.62 JPY
你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.
象徵式收費以及中間價匯率,可匯款至高達30多個國家。 Transfer money to over 30 countries with nominal fees and the mid-market exchange rate.
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USD 10 1 - 2 days HKD 270.00 13.62 JPY
以透明的匯率,低收費及低最低金額的網上服務作匯款。 Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
USD 100 1 day HKD 15.00 13.415 JPY
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用45種貨幣匯款。 Send money in 45 currencies.
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USD 2,000 1 day HKD 0.00 13.415 JPY
TorFX保證提供最佳的匯率。需受條款約束。TorFX guarantees to match any competitor's exchange rate.
以30種貨幣匯款到全球。登記後,將會有一個客戶經理提供支持和引導。Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.
Go to site Show details
GBP 5,000 1 - 2 days HKD 0.00 13.415 JPY
可匯款至20+個國家,無手續費。 Transfer money to 20+ countries with no transaction fees. Go to site Show details
USD 1 1 day HKD 0.00 13.415 JPY
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用超過130種貨幣匯款。 Send money in more than 130 currencies.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
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Definition: Best* way to send money overseas

There is no single best way to send money overseas, and the best way for you may not be the best for someone else.

This is because there are other factors to consider when sending an international money transfer in addition to the exchange rate, including the transfer fees, the payment method, the speed of delivery and the level of customer service. One person may prioritise the exchange rate, while someone else may prioritise the payment method.

You should consider a range of products when deciding which provider is most suited to your personal money transfer needs.

Banks vs money transfer companies

The Japanese company that Haruto works for has asked him to oversee their operations in Hong Kong. He agrees to the new position, but with young children in school does not think that an overseas move is in their best interest. Instead he decides to investigate ways in which he can continue to support them financially by sending money home weekly.

Haruto starts by comparing a bank’s money transfer services with a money transfer service company to see which will give him the most value for his money:

BankMoney transfer service
Exchange rateThe exchange rate offered by the bank is 0.0716 Hong Kong dollar for every Yen.The exchange rate offered by the money transfer service is 0.0712 Hong Kong dollar for every Yen.
Transfer feeThere is a HKD$65 fee per transfer. Check with your Japanese bank to see if they charge additional money when accepting the transfer.There is a $0 transfer fee charged.
Amount received for $10,000 HKDIncluding the transfer fee, Haruto’s wife will receive 138,756.98 Yen when he sends $9,935 Hong Kong dollars.Haruto’s wife will receive 140,475.44 Yen when he sends $10,000 Hong Kong dollars.
Transfer timeTypically three to five business days.The money is received within minutes after it is sent if it is to be pick up. For bank transfers it will take one to two days before the funds get to the bank.
Transfer optionsThis is a bank to bank service only.This company will allow for transfers to be picked up in person or sent to a bank account in Japan.

Difference. There is a difference of 1,718.46 Yen. As shown, there is a significant difference in fees and transfer time.

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How to compare transfer companies when transferring money to Japan

As you can clearly see from Haruto’s case study, it pays to do your homework when considering transferring money from Hong Kong to Japan. Especially in a situation such as his where he plans on making weekly money transfers. Look closely at the following when comparing money transfer service providers to avoid paying more than you have to:

  • Exchange rate. This is where you have the most opportunity to lose money without even knowing it. Check these carefully from provider to provider to find the one that gives the best* rates.
  • Fees. Calculate the fees as well and figure them into the difference. While on the surface of the case study it appears that the fees of the transfer service are exorbitant, they still don’t make up the difference in the amount of money lost in the exchange rate.
  • Pickup methods. This depends on your personal situation and that of the person who you are sending the money to. The flexibility of having options within one company can make things easier, especially if the money is needed immediately.
  • Transfer time. For regular payments, waiting a few days may not be a problem but when you need the money fast you may like the option of a quicker transfer.
  • Transfer amount. If you have plans of sending large amounts of money at a time, you will want to check with the provider first. Most will have a limit on the amount you can send per transaction.

Definition: Best* exchange rate

There is no single best exchange rate, and the best exchange rate for you may not be the best for someone else. Exchange rates are also affected by wider economic factors. Previous performance isn’t an indication of future performance. You should consider a range of products when deciding which provider is most suited to your personal money transfer needs.

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How to send money to Japan from Hong Kong

Japanese nationals have many options available to them for sending money back home including:

  • Banks. Almost all Hong Kong banks which offer international money transfers will allow you to transfer funds to Japan. Some bank accounts, such as multi currency accounts, can be used to keep your funds in JPY and convert them to other currencies when you want to, and others, such as Citibank Global Transfers will allow you to send free money transfers from your internet banking.
  • Money transfer services. Transfer services including the ones mentioned in the table above, and others including Western Union and MoneyGram allow you to make transfers to Japan. Some of these services allow you to schedule regular transfers, forward contracts and limit orders.
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Emergency cash transfers in Japan

Hong Kong visitors to Japan can also take advantage of money transfer services if they suddenly find themselves without any cash:

  • Money transfer companies. Even non-residents of Japan are permitted to pick up money if a family member or friend sends them emergency funds from Hong Kong. So long as you have the transfer number and passport you should be able to easily retrieve this money.
  • Travel insurance. When travelling overseas, it is essential that you purchase a travel insurance policy. This can help you with quick access to money if you are the victim of a crime or lose your wallet while visiting Japan.
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Western Union and MoneyGram cash pickup locations in Japan

There are a number of locations in the major cities in Japan where you can pick up money from a transfer service company:

MoneyGram – Tokyo

  • Kyodai Remittance-Shinjuku 2

    1 F Root Bldg

    1-11-19 Hiyakunin-Cho

    Tokyo, 169-0073


    Open Monday through Friday 10:30am to 6:30pm Saturday and Sunday 10:30am to 5:30pm

  • Digital Tokyo

    7F Union Roppongi

    2-3-9 Roppongi

    Tokyo, 106-0032


    Open Monday through Friday 9am to 7pm Saturday 10am to 4pm Sunday closed.

  • Fukui

    SBI Jyutaku Loan Kanazawa

    4-1-22 Izuminode-Machi

    Kanazawa, 921-8116


    Open Monday through Saturday 9am to 6pm Closed on Wednesday and Sunday.

  • Kyodai Remittance – Nagoya

    1 F Marukoshi Bldg

    4-6-5 Sakae

    Nagoya, 460-0008


    Open Thursday through Tuesday 10am to 6pm Closed on Wednesday.

    Western Union-Tokyo

Western Union – Tokyo

  • Tokyo-eki-mae Shop

    1F The 2nd Daikoku Bldg, 1-6-19 Yaesu

    Chuo-ku, Tokyo


    Open Monday through Friday 10am to 7:30pm Saturday and Sunday 10am to 5pm

  • Suitengu Shop

    1F Oshima Bldg

    1-15-4 Nihombashiningyo-cho

    Chuo-ku, Tokyo


    Open Monday through Friday 9:30am to 6:30pm Saturday 10am to 3:30pm

  • TIS Kyoto Shop

    C/O Tis Kyoto, JR Kyoto Station

    Higashi-shio koju cho, Shiokoju-kudaru

    Karasuma-dori, Shimokyo-ku

    Kyoto-city, Kyoto


    Open Monday through Sunday 10:30am to 6:30pm

  • Ticket Shop Tokai Kyotoekimae-Ten

    1F ON Bldg, 544-2 Higashishiokojicho


    Kyoto-city, Kyoto


    Open Monday through Sunday 11am to 8pm

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Tips for picking up cash in Japan

Japan is a safe vacation destination for Hong Kong travellers. You should, however, exercise caution when picking up your cash. If possible go during the day and use a taxi or hotel-supplied form of transportation to get to the pickup location.

How to send money to Japan

Sending money from Hong Kong to Japan will be relatively easy once you learn the steps. If you have set up a bank account for these transactions you can typically do the transfer online. For money transfer service providers be prepared with the following information:

  • Recipient name. With cash transfers it is important that the name you send the money to matches perfectly with the recipient’s identification. Double check that the agent made no errors before leaving the location.
  • Amount sent. The agent at the pickup location is going to ask a number of questions to make sure that the money is being given to the individual it was intended for. Make sure that you let your family member know the exact amount.
  • Tracking number. Transfers are tracked using a distinct set of numbers. For security purposes the recipient will need to give these numbers at the pickup agency.
  • Your name. The recipient should also know your name and contact information.

You will be given documentation once the transaction is complete. Provide your recipient with the correct information and keep those papers in case there is a problem with picking up the money.

Finding a reliable company to send your money from Hong Kong to Japan can provide you with peace of mind that your family is always being taken care of. Explore the options available, both banks and transfer companies, to find the one that meets your needs for the best price

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