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Send money to Japan

Find the best way to transfer money from the United States to Japan.

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Looking for the best way to send money from the United States to family, friends or businesses in Japan (or even to your own bank account)? Don't head straight to your American bank - turn to online money transfer services instead. They nearly always offer better exchange rates and lower fees - which means for the same amount of dollars you send, the recipient will receive more yens.

Compare ways of sending money to Japan

Use our table below to compare services that send money from America to Japan. Compare the money transfer providers' fees and speeds, then click "Go to site" when you've found the best one to send your US Dollars to Japan.

1 - 14 of 14
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
$0

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OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
CurrencyTransfer
24 hours
$0
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally $5,000)

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Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Currencies Direct
Within an hour

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CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates.
Xe
Within minutes
$3

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Xe has fast transfers with low fees and a range of foreign currency tools.
CurrencyFair
24 hours
€3

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CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Currencies Direct
Within an hour

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CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates.
Revolut
Revolut
Within minutes
$0

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Sign up and get a free $10 welcome bonus. T&Cs apply.
Revolut offers 10 zero-fee international transfers a month, amazing exchange rates, and transfers within 30 minutes.
OFX International Money Transfers (Business)
24 hours
$0

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Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
Dunbridge Financial
24 hours
$0

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Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
Wise (TransferWise)
Within an hour
From 0.41%

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Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Remitly
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

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Use code FINDERUSA20 for $20 off your first transfer from the US when you send at least $250. T&Cs apply.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Remitly
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
Use code FINDERUSA20 for $20 off your first transfer from the US when you send at least $250. T&Cs apply.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Currencies Direct (business)
Within an hour

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Minimizes costs of international transactions and offers custom solutions for business clients.
CurrencyTransfer for Business
24 hours
$0

View details
Increase business efficiency with zero transaction fees and same-day transfers.
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Compare up to 4 providers


How to send money to Japan from the United States

Here's our simple process for sending a money transfer to Japan as a cash pickup or bank transfer - the two options are similar:

  1. Compare your options.
    Use our table above to find a money transfer provider that sends USD to Japan. One may be better for cash pickups while another might be better suited to a bank transfer. Once you've found the best one for your requirements, click Go to site.
  2. Register for an account.
    You'll need to give your name, address, contact details, proof of ID and method of payment.
  3. Provide recipient details.
    Enter your recipient's name and contact information. If you're sending straight to their Japanese bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
  4. Enter the transfer amount.
    Check you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Many services give the amount of Yen your recipient should receive, so double check this.
  5. Complete your transfer.
    Send your money transfer to Japan. Keep any reference number safe so you can track your transfer - your recipient may need it too.

If you send to a Japanese bank account, your recipient will need to wait for the funds to arrive. For a cash pick up, your Japanese recipient will need to show some form of photo ID in order to pick up the funds. It's also important that you give them the transaction reference number to streamline the process.

For larger transfer amounts, you may need to phone the agent location to ensure it has enough cash available.

Ways to send and receive money

How to decide which option is best for you to send money to Japan.

  • Bank deposit. Most major banks in America let you wire money to banks in Japan. However, you might get weaker exchange rates and pay higher fees all for the privilege of a slower transfer.
  • Online money transfer services. Online companies like OFX and CurrencyTransfer make international money transfers to Japan easy with bank transfers or cell phone top ups often offered as easy delivery options.
  • Transfer agents across America. Many transfer providers have locations dotted all across America, making it easy for you to send money that can be easily picked up in similar agent locations in Japan.
  • Checks and money orders. If speed is not an issue, you can always pick up an international check from your bank or the US Postal Service to send to Japan.
  • Cash pick-up. Xe and Remitly allow you to collect cash, even if you don't have a bank account in Japan.
  • Bank deposit. If you have a Japanese bank account, you can have money transferred directly into this without having to make any trips to a money transfer agent location.
  • PayPal. The Xoom app allows you to receive money from the United States onto your cell phone, into your Japanese bank account, or as a cash pick-up.
  • Checks and money orders. Both personal checks and money orders can be sent directly to you where you live but these tend to be the slower options.

What documents do I need to transfer money to Japan?

To send money from the United States to Japan, you'll need the following:

1. Photo identification

Most providers require a driver's license, passport or other American government-issued ID. You can send transfers without the above but may need to give alternate ID instead.

2. Payment method

Your options depend on the provider's services. Popular methods include cash, debit or credit card payments, bank account transfers and personal checks.

3. Recipient information

You'll need their name (matching their ID) plus contact details. If sending to a Japanese bank account, you'll need the a/c number, SWIFT and branch details.

What documents do I need to receive money in Japan?

To collect money in person in Japan, the recipient will need:

1. Transfer number

The reference number - sometimes called a PIN, MTCN or tracking number.

2. Government-issued ID

A official ID, such as a Japanese passport or driving license.

3. The transfer amount

To know how much has been sent, usually to within 10% of the total.

4. Sender information

The sender's name and address and the country from where the money was sent.

How much does it cost to send money to Japan from America?

The cost of sending money to Japan from the United States depends on the exchange rate between USD to JPY, the fees, how you want your recipient to receive your transfer and the turnaround time:

  • Exchange rates. The mid-market rate is the rate banks and transfer services use to trade between one another. It is the best rate that you can get. But not all money transfer providers offer you this mid-market rate so compare the exchange rate you're offered to the mid-market rate and look for the smallest difference.
  • Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to Japan for a flat or low fee might work out better if you plan to send a large amount.
  • Transfer speed. If you need your transfer to arrive quickly, you can pay for a quick delivery. Companies such as Xe and Remitly offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services can offer the best value, usually getting your money to Japan faster and cheaper than banks.
  • Transfer limits. Find out how much you can send with each service. For example, one provider may have a send limit of $10,000 while another may allow you to transfer up to $1 million. For smaller transfers, check the fees. For large transfers, look harder at the exchange rate. Some providers encourage large transfers with low fees.
  • Transfer type. Does your recipient have a Japanese bank account or is cash or cell phone top up the better option? Each transfer type will have different fees. For example, instant cash pickups tend to be more expensive than bank transfers.
  • Discounts. Some providers may offer you a free transfer simply for signing up while others may offer you a discount if you transfer more than a certain amount.
Looking for the best exchange rate? Discover the USD/JPY exchange rate rates and historical changes.

Frequently asked questions

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2 Responses

  1. Default Gravatar
    AnnaApril 21, 2017

    Is it okay to write a check in dollars to send to a mom’s friend in Japan for funeral?

    • Avatarfinder Customer Care
      AnndyJuly 2, 2017Staff

      Hi Anna,

      Thanks for your question.

      Yes, you may send a check to Japan, although it is not a quick option. You can obtain a check from your bank or US Postal Service.

      Kindly note that it may take several weeks before the recipient can actually cash the check.

      If you want a faster option, you may consider any of the money transfer companies listed above.

      Cheers,
      Anndy

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