Best way to send money to Japan |
Image of red Japanese building

How to send money to Japan

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money.

Japan is a popular tourist destination for US visitors and a major economic partner, means that you may be looking for an affordable and easy way to send money to Japan from the United States. Here’s how to find a cheap and convenient solution to your money transfer problem.
World First Foreign Exchange

World First International Money Transfers

Most Convenient money transfers with excellent customer service. Send to 140+ currencies in 45 countries.

Special $0 fee offer for readers:
Because World First is a trusted partner of, you can send your money transfer overseas for free.

  • Enjoy competitive exchange rates.
  • Get even better exchange rates with forward contracts and limit orders.
  • Receive weekly updates on market exchange rates.

    Compare International Money Transfers

    I want to send


    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    $0 3 - 5 days USD 0.00 109.209 JPY 546,045 Transfer up to $500,000 with no minimums and no fees. Go to site Show details
    USD 1,000 1 day USD 0.00 109.762 JPY 548,809 Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for 100+ currencies.
    Go to site Show details
    USD 1 Within an hour USD 3.99 109.541 JPY 547,266 Use promo code FINDER to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
    USD 1 3 - 5 days USD 50.00 110.536 JPY
    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details

    Compare up to 4 providers

    Back to top

    Steps to send money to Japan

    1. Choose from among the numerous transfer providers who send money to Japan.
    2. Register with the provider of your choice on their website providing your name, address, contact information and date of birth. A valid photo ID will also be required.
    3. Provide your recipient’s name, address and contact details. Depending on the transfer method you may also have to supply their bank account information.
    4. Enter the amount you want to send, complete your transaction and save your tracking or receipt number to follow up on the progress of your transfer.

    Whether you’re sending a one-off transfer or looking to set up an ongoing international payment to Japan, it pays to compare your options before committing to a money transfer company.

    Banks versus money transfer services

    If you want to send an international money transfer you could certainly approach your bank; converting US Dollars to Japanese Yen and then sending the funds overseas will be no problem for any major bank.

    Unfortunately, banks will usually charge a premium fee for offering you their international money transfer services, while the exchange rates they offer are actually quite poor. In comparison, there’s an ever-increasing crop of specialist money transfer companies that can give you better exchange rates, lower fees and an abundance of transfer methods.

    From flexible transfer options to giving you a choice in the way your recipient can access the funds you send, these companies often represent a much better and more affordable option when you need to send money to Japan.

    Case Study: Yoshio Sends Money to Japan

    While Yoshio is living and working in New York City, he wants to send $1,000 he has saved back to his parents in Kyoto. Rather than ask his bank to handle the transfer – he knows their fees are exorbitant – Yoshio decides to see if he can find a better deal from a dedicated money transfer company. He compares two companies to see what sort of deal they can offer.

    Money transfer company 1Money transfer company 2
    Exchange rate1 USD = 117.61 JPY1 USD = 119.13
    Transfer fee$16$5
    Transfer methodCash pickupBank account deposit
    Processing time10 minutes1-3 business days
    Amount received (in JPY)117,610 JPY119,130 JPY

    As you can see, although the first company offers much quicker transfers, the second company allows Yoshio to send more than 1,500 Yen extra to his parents by spending the same amount of money. It can also save him USD $11 in fees.

    Back to top

    Sending money to Japan

    Find the best provider for your transfer

    Answer three quick questions and we’ll give you an instant recommendation for a money transfer service based on your needs.

    Question 1 of 3

    How much do you plan to send?

    Question 2 of 3

    Does your recipient have a bank account?

    Question 3 of 3

    When can they receive the money?

    Based on your answers, check out:

    WorldRemit International Money Transfers

    WorldRemit International Money Transfers

    Send money to 110+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide. Your first transfer is free with the code FINDER.

    • Low upfront fees and exchange rates.
    • Easy to use with round-the-clock help.
    • Get cash to family and friends in minutes.

      TransferWise International Money Transfers

      TransferWise International Money Transfers

      When you need to send money overseas, benefit from competitive exchange rates and low transfer fees with TransferWise.

      • Fair service fees and mid-market rates — a major market differentiator.
      • Next-day delivery to your loved ones and businesses.
      • Trusted the world over, with five-star ratings on Trustpilot.

        World First Foreign Exchange

        World First International Money Transfers

        Special offer for readers Because World First is a trusted partner of, you can send your money transfer overseas for free. No fees: There are no online transfer fees for all readers.

        • Enjoy competitive exchange rates.
        • Take advantage of spot contracts, forward contracts and limit orders.
        • Receive weekly updates on market exchange rates.

          How to compare transfer companies when transferring money to Japan

          • Exchange rates. Higher exchange rates mean more money for your recipient, so shop around for a company that consistently offers competitive rates.
          • Fees. You will usually need to pay a fee for your transfers so examine how much the fees will be and whether the company offers a fee-free threshold. Also, keep in mind that companies that offer the best rates may also offer higher fees.
          • Transfer methods. Can you send your transfers online or over the phone? Does the company have a branch that you can visit to lodge a transfer request? What about an app for your smartphone?
          • Transfer options. Some companies just allow you to place one-off transfers; others will allow you to schedule recurring payments. Some allow spot orders only; others offer limit orders and forward contracts.
          • Turnaround time. Some companies process transfers within 10 minutes and make the cash available for pickup. Depending on the transfer method, other companies will require several working days to deliver the funds to your recipient.
          • Minimum transfer. If a company has a minimum transfer limit of $500, this may not be suitable for customers who only want to transfer a small amount.
          • Pickup methods. Bank account deposit and cash pickup from an agent are the two most common options available.
          • Customer service. What customer support options are available and during what hours are they offered? Some companies will offer phone, email and online support.
          Back to top

          How to send money to Japan from America

          • Bank transfers. Bank-to-bank transfers are a reliable transfer method when you want to send money to Japan.
          • Online money transfer providers. Companies like OFX offer quick and secure transfers to Japanese bank accounts.
          • Money transfer companies with cash pickup options. Western Union and MoneyGram are two companies that offer this option.
          • PayPal. PayPal can send international transfers to just about anywhere.
          • Checks. Obtain an international guaranteed check from your US bank and send it to your recipient.
          Back to top

          Foreign exchange rates explained

          The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weak currency. For example, as of January 2018 the US dollar was worth approximately 112.58 Japanese yen. Like most countries, Japan’s exchange rate is flexible, which means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.
          Currency exchange rate for Japan

          Same-day cash transfers in Japan

          When you find yourself in an emergency situation where you need to transfer funds to Japan as quickly as possible, make sure that you check the exchange rate and any fees that will apply to your transfer. Most money transfer companies charge extra for sending your money as quickly as possible, so just take a minute or two to make sure you’re fully aware of the full cost of your transaction – it could save you from a big financial headache in the future.

          Back to top

          Tips for picking up cash in Japan

          Although Japan is an extremely safe country for international visitors, that doesn’t mean you should throw all safety precautions to the wind when picking up cash from a money transfer agent. All you have to do is use a little bit of common sense to ensure your safety.

          Stay aware of your personal safety and make sure you know where your wallet and bag are at all times. Keep your cash concealed from strangers and deposit it in a safe place (preferably your bank account) as soon as you can – carrying around a large sum of money can often be a recipe for disaster.

          Back to top

          Cash pickup locations in Japan

          Was this content helpful to you? No  Yes

          Ask an Expert

          You are about to post a question on

          • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
          • is a financial comparison and information service, not a bank or product provider
          • We cannot provide you with personal advice or recommendations
          • Your answer might already be waiting – check previous questions below to see if yours has already been asked

          Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our and .

          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?

            • finder 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.


          US International Money Transfers Offers

          Important Information*
          XE International Money Transfers

          With global payments provider XE, enjoy fast and secure transfers and a range of foreign currency tools and calculators, while benefiting from $0 transfer fees.

          WorldRemit International Money Transfers

          Use promo code FINDER to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

          World First Foreign Exchange

          Exclusive offer: $0 transfer fee
          No-limit transfers with competitive exchange rates for 100+ currencies.

          TransferWise International Money Transfers

          Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

          Go to site