How to send money to Japan

Find out how you can save money and enjoy fast transfers when you send money to Japan from New Zealand.

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Japan is New Zealand’s fifth largest trading partner, as well as a popular tourist destination for New Zealanders. So you may be looking for an affordable and easy way to send money to Japan from New Zealand. Find out how you can save money and enjoy fast transfers when you send money to Japan from New Zealand.

XE Money Transfers

XE International Money Transfers

Enjoy fast, secure and fee-free international money transfers with global payments provider XE.

  • Send money in 40+ currencies
  • No transfer fees
  • See exchange rates in real-time
  • Secure and regulated by the FMA

    Compare international money transfers

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    NZD 250 1 day NZD 0.00 68.246 JPY
    341,230
    SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
    Fee-free transfers in 30+ currencies to over 200 countries.
    Go to site Show details
    NZD 0 1 day NZD 0.00 68.28 JPY
    341,402
    Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
    AUD 250 1 - 2 days NZD 15.00 68.212 JPY
    340,035
    A higher exchange rate applies to non-finder customers. Send money in 45 currencies. No fee if you transfer over AUD$10,000. Go to site Show details
    AUD 2,000 1 day NZD 0.00 67.868 JPY
    339,341
    TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. Go to site Show details
    NZD 2,000 2 days NZD 0.00 68.28 JPY
    341,402
    Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade only.
    A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.
    Go to site Show details
    NZD 1 1 - 2 days NZD 60.00 68.692 JPY
    339,341
    Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details

    Compare up to 4 providers


    The “Rate” and “Amount Received” displayed are indicative rates that have been supplied by each brand or gathered by Finder.

    Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

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    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 New Zealand 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 Wellington, 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 NZD = 73.95 JPY1 NZD = 75.61 JPY
    Transfer fee$16$5
    Transfer methodCash pick-upBank account deposit
    Processing time10 minutes1–3 business days
    Amount received (in JPY)73,934 JPY75,605 JPY

    As you can see, although the first company offers much quicker transfers, the second company allows Yoshio to send more than 1,600 yen extra to his parents by spending the same amount of money. It can also save him NZ$11 in fees.

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    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?

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    When can they receive the money?

    Based on your answers, check out:



    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 pick-up. 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.
    • Pick-up methods. Bank account deposit and cash pick-up 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.
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    How to send money to Japan from New Zealand

    • 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 pick-up options. Western Union and MoneyGram are two companies that offer this option.
    • PayPal. PayPal can send international transfers to just about anywhere.
    • Cheques. Obtain an international guaranteed cheque from your New Zealand bank and send it to your recipient.
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    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 October 2018 the US dollar was worth approximately 73.95 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.
    New Zealand–Japan currency exchange rate

    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.

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    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.


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    Cash pick-up locations in Japan

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