Money · Updated October 2026
How to send money home from Japan: fees, ID and what arrives
Register once with a bank or money transfer company, show your residence card and give your My Number, which Japanese law requires for every overseas transfer. Before you pay, compare the amount that arrives in each company’s app: the fee is only part of the cost, because most companies also add to the exchange rate.
Fees for sending ¥50,000 from Japan
| Company | Vietnam | Brazil | Indonesia | Philippines | Other countries |
|---|---|---|---|---|---|
| SBI Remit (SBIレミット) | ¥460 | ¥1,000 | ¥880 | ¥1,000 | ¥460 to ¥1,500 |
| KYODAI Remittance | ¥460 | ¥800 | ¥880 | ¥1,450 | ¥480 to ¥1,500 |
| DCOM | ¥1,000 | ¥1,400 | ¥1,000 | ¥1,000 | ¥500 to ¥1,400 |
| Japan Post Bank (ゆうちょ銀行) | ¥3,000 | ¥3,000 | ¥3,000 | ¥3,000 | ¥3,000 |
| Revolut | No fee | No fee | No fee | No fee | No fee |
Revolut’s figure is its free plan; it adds an exchange fee at weekends and above ¥300,000 a month. “Other countries” is the range across every other country on the company’s fee page. Wise, Remitly and the others do not publish a fixed fee we could confirm, so check the amount in their app. A fee does not include what the company adds to the exchange rate: compare what arrives before you pay.
All eleven ways to send money from Japan, compared
Listed in a fixed order, not ranked. No company on this page pays us, and the page has no advertising links.
WiseMoney transfer company
Good for: The mid-market rate, paid into a bank account.
Watch out for: No cash pickup, and no fixed fee table.
- Exchange rate
- Mid-market rate, with no margin added Provider page
- How you pay
- Bank transfer, debit card, Apple Pay or money already in your Wise account Provider page
- ID and My Number
- Residence card or My Number Card, plus a My Number document unless the photo ID was the My Number Card Provider page
Fee, Speed, Limit, Language
- Fee
- Charged on top of the rate and shown before you pay; Wise publishes no fixed table for yen Provider page
- Speed
- Money typically arrives in seconds, Wise says Provider page
- Limit
- Up to ¥150,000,000 by bank transfer or card; ¥1,000,000 per transfer if you pay from your Wise balance Provider page
- Language
- Japanese-speaking staff help by phone and email Provider page
Checking: Residence card issued from 14 June 2026
Official siteSBI Remit (SBIレミット)Money transfer company
Good for: Cash pickup, and paying at an ATM or convenience store.
Watch out for: Sign-up takes about a week: a welcome pack comes by courier.
- Exchange rate
- MoneyGram’s rate at the moment the transfer is agreed; the margin is not published Provider page
- How you pay
- Internet banking, ATMs with its remit card, or a convenience store Provider page
- ID and My Number
- Copy of both sides of your residence card, plus your My Number; a welcome pack comes by courier about a week after you apply Provider page
Fee, Speed, Limit, Language
- Fee
- Fixed fee by country and amount; no extra charge unless the table marks the transfer SHA Provider page
- Speed
- Cash pickup from 10 minutes Provider page
- Limit
- ¥1,000,000 per transfer Provider page
- Language
- Staff from Southeast Asian countries answer in their own languages as well as Japanese Provider page
Checking: Residence card issued from 14 June 2026
Official siteKYODAI RemittanceMoney transfer company
Good for: Low fixed fees, and e-wallets in Vietnam, Indonesia and the Philippines.
Watch out for: Its ID rules are not on its pages yet.
- Limit
- ¥1,000,000 a day, fee included Provider page
Checking: Exchange rate, How you pay, ID and My Number, Fee, Speed, Residence card issued from 14 June 2026, Language
Official siteDCOMMoney transfer company
Good for: Paying cash at an ATM, and home delivery in Vietnam.
Watch out for: ATM deposits cost ¥150 to ¥450 extra; yen to Vietnam costs ¥2,500 more.
- How you pay
- Cash at Lawson Bank, Japan Post Bank or Seven Bank ATMs with its card Provider page
- Fee
- Fixed fee by country and amount. Transfers to Vietnam in yen, to some banks only, cost ¥2,500 more Provider page
Checking: Exchange rate, ID and My Number, Speed, Limit, Residence card issued from 14 June 2026, Language
Official siteJapan Post Bank (ゆうちょ銀行)Bank
Good for: Japan Post Bank customers with their My Number registered.
Watch out for: ¥3,000 a transfer plus other banks’ charges; checks can take over a month.
- How you pay
- Online only, from a computer or smartphone. Counter service ended in August 2025 Provider page
- ID and My Number
- Only from an account whose ID check is done and whose My Number is registered Provider page
- Fee
- ¥3,000 per transfer. Banks along the way and the receiving bank may take their own charges out of the amount Provider page
Speed, Limit, Residence card issued from 14 June 2026
- Speed
- The bank’s checks can take time, in some cases more than a month Provider page
- Limit
- Under ¥1,000,000 per transfer, ¥2,000,000 a day, ¥5,000,000 a month Provider page
- Residence card issued from 14 June 2026
- Cards issued from 14 June 2026 cannot be used for the ID check in its apps for now Provider page
Checking: Exchange rate, Language
Official siteSeven Bank (セブン銀行)Bank, with Western Union
Good for: Seven Bank customers who want cash pickup in minutes.
Watch out for: A residence card issued from 14 June 2026 cannot open the account.
- How you pay
- Seven Bank ATM or online banking, any hour Provider page
- ID and My Number
- A Seven Bank account and a separate remittance agreement; the agreement asks for your My Number Provider page
- Speed
- Cash pickup within a few minutes Provider page
Residence card issued from 14 June 2026, Language
- Residence card issued from 14 June 2026
- Seven Bank has stopped opening accounts with cards issued from 14 June 2026, and the service needs an account Provider page
- Language
- App in 9 languages, including Vietnamese, Indonesian, Portuguese and Tagalog Provider page
Checking: Exchange rate, Fee, Limit
Official siteRemitlyMoney transfer company
Good for: Pix in Brazil; cash, wallets and home delivery in Vietnam and the Philippines.
Watch out for: Needs the My Number Card itself; fees only in the app.
- Exchange rate
- Changes with the amount, destination and options you choose; the margin is not published Provider page
- How you pay
- Debit card or bank account Provider page
- ID and My Number
- My Number Card required; non-Japanese residents also upload the residence card, a selfie and a short video Provider page
Fee, Speed, Limit, Language
- Fee
- Varies with the destination, how you pay and how it is delivered; shown before you send Provider page
- Speed
- Over 90% of funded transfers delivered in under an hour, Remitly says Provider page
- Limit
- ¥1,000,000 per transfer Provider page
- Language
- Help 24/7 in Japanese, Vietnamese, Portuguese and Tagalog, among other languages; Indonesian is not listed Provider page
Checking: Residence card issued from 14 June 2026
Official siteRevolutMoney transfer company
Good for: No transfer fee, and no exchange fee on weekdays up to ¥300,000 a month.
Watch out for: 1% more to exchange at weekends; its ID rules are not on its pages.
- Exchange rate
- Revolut’s own rate plus an exchange fee: on Standard, 0% on weekdays up to ¥300,000 a month, 0.5% above that, and 1% more at weekends Provider page
- How you pay
- Add money to your Revolut account from a bank account or card, then send Provider page
- Fee
- No Revolut fee for an international transfer on the free Standard plan; other banks along the way may charge Provider page
Speed, Limit
- Speed
- Instant or the same day for major currencies, Revolut says Provider page
- Limit
- No limit for most currencies; partners set one for some Provider page
Checking: ID and My Number, Residence card issued from 14 June 2026, Language
Official siteInstaremMoney transfer company
Good for: Paying by bank transfer when a day or two is fine.
Watch out for: App only, from ¥5,000; usually 1 to 2 business days.
- How you pay
- Bank transfer from a Japanese bank account, in the app only; no credit cards Provider page
- ID and My Number
- My Number Card, or a residence card plus a My Number document Provider page
- Speed
- Most transfers within 1 to 2 business days Provider page
Limit
- Limit
- ¥5,000 to ¥1,000,000 per transfer Provider page
Checking: Exchange rate, Fee, Residence card issued from 14 June 2026, Language
Official siteSmilesMoney transfer company
Good for: Holders of the new or specified residence card.
Watch out for: Does not send to Brazil; fees only in the app.
- ID and My Number
- Residence card, including the new card and the specified residence card Provider page
- Residence card issued from 14 June 2026
- Its registration page lists the new residence card and the specified residence card as accepted ID Provider page
Checking: Exchange rate, How you pay, Fee, Speed, Limit, Language
Official siteWestern UnionMoney transfer company
Good for: Paying at a convenience store.
Watch out for: Fees and rates only in its calculator.
- How you pay
- Bank transfer or payment at a convenience store Provider page
- Limit
- Up to ¥1,000,000 per transfer to selected countries Provider page
- Language
- Website in English, Japanese, Burmese, Nepali, Vietnamese, Indonesian and Chinese Provider page
Checking: Exchange rate, ID and My Number, Fee, Speed, Residence card issued from 14 June 2026
Official site“Checking” means the company’s own page does not confirm that detail yet. Ask the company or check its app before you rely on it, or pick a company where the detail is confirmed.
Where are you sending money?
On this page
Why every company asks for your My Number
Japan’s overseas remittance law makes every sender give the bank or transfer company a notice with their name, address and My Number (個人番号, Article 3). No company here can send your money without it.
You do not always need the plastic My Number Card. SBI Remit accepts a copy of both sides of the card or a resident record (住民票) that shows the number, issued within 3 months. Wise accepts a My Number document with your residence card. Remitly requires the My Number Card itself.
The specified residence card (特定在留カード) issued from 14 June 2026 works as a My Number Card, and getting one is optional (Immigration Services Agency).
Your first transfer, step by step
- Pick a company that pays out the way the money should arrive: a bank account, cash pickup or an e-wallet. The country sections below list who offers what.
- Register in its app or on its website with your residence card and your My Number. Your name, date of birth and address must match on every document.
- Wait for the ID check. An app check can be quick; SBI Remit posts a welcome pack to your address, which takes about a week.
- Add the recipient: bank name and account number, or the full name on their ID for cash pickup.
- Pay by bank transfer, card, ATM or convenience store, depending on the company, and keep the receipt number for your family.
Send money from Japan to Vietnam
- Fixed fee for ¥50,000
- ¥460 to ¥1,000
- Bank account
- WiseSBI Remit (SBIレミット)KYODAI RemittanceDCOMRemitly
- Cash pickup
- SBI Remit (SBIレミット)KYODAI RemittanceDCOMRemitly
- E-wallet
- KYODAI RemittanceRemitly
Fees by amount, receiving limits and cancel rules: Send money from Japan to Vietnam.
Send money from Japan to Brazil
- Fixed fee for ¥50,000
- ¥800 to ¥1,400
- Bank account
- WiseSBI Remit (SBIレミット)KYODAI RemittanceDCOMRemitly
- Cash pickup
- SBI Remit (SBIレミット)
- Pix
- Remitly
- Does not send here
- Smiles
Send money from Japan to Indonesia
- Fixed fee for ¥50,000
- ¥880 to ¥1,000
- Bank account
- WiseSBI Remit (SBIレミット)KYODAI RemittanceDCOMRemitly
- Cash pickup
- SBI Remit (SBIレミット)KYODAI RemittanceDCOMRemitly
- E-wallet
- KYODAI RemittanceRemitly
Send money from Japan to the Philippines
- Fixed fee for ¥50,000
- ¥1,000 to ¥1,450
- Home delivery
- Remitly
Fees by amount, receiving limits and cancel rules: Send money from Japan to the Philippines.
Sending money from Japan to other countries
These companies name the country on their own pages. A company marked “Checking” may still send there: its page did not confirm it. For any other country, check the company’s own list: Wise, Remitly, SBI Remit and DCOM.
- United States Wise: Bank accountRemitly: Bank account or cash pickupRevolut: Listed as a destination
- United Kingdom Wise: Bank accountRemitly: Bank account or cash pickup
- China Wise: Bank account, Alipay or Weixin (WeChat)SBI Remit (SBIレミット): UnionPay card accountRemitly: Bank account, Alipay or Weixin (WeChat Pay)
- South Korea Wise: Bank accountDCOM: Bank accountRemitly: Bank accountRevolut: Listed as a destination
- Nepal Wise: Bank accountSBI Remit (SBIレミット): Bank account, or cash pickup through NABIL BANK partnersDCOM: Bank account, e-wallet or cash pickupRemitly: Bank account, cash pickup or mobile walletRevolut: Listed as a destination
- India Wise: Bank accountSBI Remit (SBIレミット): Bank accountDCOM: Bank accountRemitly: Bank account, cash pickup or UPIRevolut: Listed as a destination
What goes wrong with a first transfer
A residence card issued from 14 June 2026. Japan Post Bank’s apps cannot read it for the ID check for now, and Seven Bank has stopped opening accounts with it. The residence card verification tracker lists every sign-up that refuses the new card.
Names that do not match. Wise requires the same name, date of birth and address on your ID, your My Number document and your profile. SBI Remit may ask for your passport if your residence card shows your name in kanji.
No Japanese bank account yet. Wise, Instarem and Japan Post Bank take money from a bank account; DCOM and SBI Remit take cash at an ATM or convenience store. The bank account guide explains which bank opens an account for a new arrival.
Leaving Japan for good. If you paid into the Japanese pension, part of it may be refundable after you leave: see the pension refund guide.
Sending money from Japan: FAQ
Do I need a My Number to send money abroad from Japan?
Yes. The overseas remittance law requires your name, address and My Number on a notice to the bank or transfer company. You do not always need the plastic My Number Card: SBI Remit and Wise also take a resident record (住民票) that shows the number.
What is the cheapest way to send money from Japan?
We cannot say for every amount, because most providers do not publish how much they add to the exchange rate. For the fixed fee on ¥50,000, the lowest published figures are ¥460 to Vietnam, ¥800 to Brazil, ¥880 to Indonesia and ¥1,000 to the Philippines.
How long does a transfer from Japan take?
Minutes for cash pickup with SBI Remit or Seven Bank, and within seconds for most Wise transfers, the companies say. Instarem says 1 to 2 business days, and Japan Post Bank warns its checks can take more than a month.
Can I send money with the new residence card issued from June 2026?
Not through Japan Post Bank’s apps or a new Seven Bank account for now. Smiles lists the new card and the specified residence card as accepted ID. The other providers here have not said.
Can I send money from Japan to my own bank account in the US or UK?
Yes, with Wise: it says you can send to your own bank account, and it pays into bank accounts in both countries. You still register with your residence card and My Number. A financial institution reports each overseas transfer of more than ¥1,000,000 to the tax office.
How much can I send from Japan at once?
Up to ¥1,000,000 per transfer at SBI Remit, Remitly, Instarem and Western Union, and under ¥1,000,000 at Japan Post Bank. KYODAI allows ¥1,000,000 a day, fee included. Wise allows up to ¥150,000,000 when you pay by bank transfer or card, and ¥1,000,000 when you pay from your Wise balance.
Source
Read on each company’s own page.
Every fee, limit and ID rule is quoted from the company’s own page, read October 1, 2026, and the My Number rule from the text of the law. We did not check Banco do Brasil, whose site refused automated reads, or Brastel Remit, whose page returned an error. How this site is checked.