从日本汇款国外的最划算方法(2026年最新指南)

Why Sending Money from Japan Through Your Bank Is a Ripoff

If you need to send money from Japan to family back home, pay rent overseas, or simply move your savings, you have more options than ever — and most of them are dramatically cheaper than walking into a Japanese bank. The problem is that many foreigners in Japan default to bank wire transfers without realizing how much money they're losing along the way.

Japanese banks like Mitsubishi UFJ (MUFG), Mizuho, and Sumitomo Mitsui (SMBC) typically charge a flat fee of ¥2,500–¥4,000 per international transfer, plus a hidden currency conversion markup of 1.5%–3% on top of the mid-market exchange rate. On a ¥200,000 transfer, that markup alone can cost you ¥3,000–¥6,000 extra — before you've even paid the flat fee.

Japan Post Bank (ゆうちょ銀行) is similarly expensive, and the process often requires you to visit a branch in person and fill out forms in Japanese. For busy working residents, that's a real barrier.

On a single ¥200,000 transfer, switching from a Japanese bank to Wise can save you ¥5,000–¥8,000 in fees and exchange rate markups — money that stays in your pocket.

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Best Services to Send Money from Japan: Wise, Revolut, and More Compared

The good news is that 2026 offers a strong lineup of fintech alternatives. Here's an honest breakdown of the most popular options available to residents in Japan.

Wise (formerly TransferWise)

Wise remains the gold standard for international transfers from Japan. It uses the real mid-market exchange rate (the same one you see on Google) and charges a small, transparent fee — typically 0.4%–0.8% of the transfer amount, plus a small fixed fee that varies by destination currency.

• Transfer fee example: Sending ¥100,000 to the UK costs around ¥600–¥900 in fees total
• Supported currencies: 40+ currencies including USD, EUR, GBP, AUD, PHP, THB, INR
• Speed: Most transfers arrive within 1–2 business days; many are same-day
• Account required: Yes — free to sign up at wise.com with your Japanese address and ID
• Verification: Requires residence card (在留カード) and a Japanese bank account or debit card

Wise also offers a multi-currency account, which is genuinely useful if you're paid in yen but need to hold euros or dollars. Several residents living in our Tokyo sharehouses use Wise as their primary method for sending monthly support home.

Revolut Japan

Revolut launched fully in Japan and has been growing quickly. The free plan offers currency exchanges at the interbank rate up to a monthly limit (around ¥750,000 equivalent), after which a 0.5% fair usage fee applies.

• Best for: Frequent travelers and people who want a multi-currency card for daily spending
• Transfer fees: Free up to monthly limit on standard plan; paid plans (Standard/Premium/Metal) offer higher limits
• Speed: Instant to Revolut users; 1–3 days to bank accounts
• Watch out: Weekend exchange rates include a 1% markup — always transfer on weekdays

PayPay and LINE Pay (Domestic Focus)

PayPay and LINE Pay are excellent for everyday life in Japan but are primarily designed for domestic payments. PayPay does not support international bank transfers as of 2026. LINE Pay has limited international transfer functionality through its partnership with LINE BK in select countries (Thailand being the main one).

Don't confuse these with international transfer services — use them for paying at convenience stores, splitting dinner bills, or paying utility bills in Japan.

SBI Remit

SBI Remit is worth mentioning as a Japan-based service with competitive rates, particularly for sending money to the Philippines, Vietnam, and other Southeast Asian countries. It partners with local banks and cash pickup networks in many Asian countries, making it ideal if your recipient doesn't have a bank account.

• Fee: Often ¥0–¥500 flat fee with competitive exchange rates
• Best for: Sending to Southeast Asia and South Asia
• Requires: Japanese bank account and residence card

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How to Set Up International Transfers from Japan Step by Step

Getting started with any of these services requires a few key documents. Here's what you'll typically need:

1. Residence Card (在留カード) — your primary ID as a foreign resident
2. Japanese bank account — Japan Post, Rakuten Bank, Sony Bank, or any major bank works
3. Japanese phone number — for SMS verification
4. Recipient's bank details — IBAN (Europe), routing + account number (USA), SWIFT/BIC code, and bank address

Opening a Wise Account from Japan

Go to wise.com and click "Register." Select "I'm sending money" and choose Japan as your country. You'll verify your identity by uploading a photo of your residence card and a selfie. Verification usually takes 1–3 hours, though sometimes up to 24 hours.

Once verified, you can fund transfers directly from your Japanese bank via bank transfer (振込) or by linking a Visa/Mastercard debit card. Note that many Japanese credit cards are not accepted — debit cards work best.

Sony Bank and Rakuten Bank: Hidden Gems for International Transfers

Sony Bank and Rakuten Bank offer significantly better exchange rates than traditional megabanks for international wire transfers, sometimes rivaling services like Wise for certain currency pairs. If you already have an account with them, it's worth checking their rates before using a third-party service.

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Tax Implications You Should Know Before Sending Large Amounts

This is where many foreign residents in Japan get caught off guard. Japan has specific rules around large international transfers that you need to understand.

The ¥1 Million Threshold

Under Japan's Foreign Exchange and Foreign Trade Act (外国為替及び外国貿易法), any single transfer of ¥1 million or more is automatically reported by the financial institution to Japan's Ministry of Finance. This is not a tax itself — it's a reporting requirement. However, it means large transfers are on record.

Gift Tax Concerns

If you send money to a family member and it exceeds ¥1.1 million per year, it may be subject to Japan's gift tax (贈与税) if both you and the recipient have tax obligations in Japan. In most cases, sending money to family abroad as financial support is not treated as a taxable gift, but consult a tax accountant (税理士) if you're sending large sums regularly.

Income Tax and Foreign Remittances

If you're a non-permanent resident (living in Japan for less than 5 of the past 10 years), income earned outside Japan is generally only taxed in Japan if it is remitted to Japan — not if you're sending money out. This is a subtle but important distinction. Long-term permanent residents are taxed on worldwide income regardless.

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Receiving Money from Abroad in Japan

Receiving an international wire transfer into a Japanese bank account is straightforward, but you'll need to provide your sender with the correct details. Here's what they'll need:

• Bank name: e.g., Rakuten Bank (楽天銀行)
• SWIFT/BIC code: e.g., RAKTJPJT for Rakuten Bank
• Account number and branch number
• Your full name (exactly as registered at the bank)
• Bank address (your branch's physical address in Japan)

Japan Post Bank (ゆうちょ) is one of the few major banks that does not accept incoming international wire transfers directly — avoid using it as a receiving account. Rakuten Bank and Sony Bank are the most foreigner-friendly options, with English-language interfaces and reliable SWIFT support.

Processing times for incoming transfers are typically 1–5 business days, and your bank may charge a receiving fee of ¥1,500–¥2,500 per inbound wire. Factor this into your planning.

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Emergency Transfer Options When You Need Money Fast

Sometimes you don't have the luxury of setting up a new account. Here are the fastest options when you need to send or receive money urgently.

Western Union Japan

Western Union has cash pickup locations across Japan and is available through convenience stores and 7-Eleven's international money transfer service. Recipients abroad can pick up cash within minutes at tens of thousands of agent locations worldwide. Fees are higher than Wise, but speed is unmatched for emergencies.

7-Eleven International Money Transfer

Available at Seven Bank ATMs found inside 7-Eleven stores across Japan. Supports transfers to 18+ countries including the Philippines, China, South Korea, Vietnam, and the USA. The process is entirely in-ATM — no app needed — making it accessible even if you don't have a smartphone.

Wise and Revolut: Faster Than You Think

Even for emergencies, Wise often delivers within a few hours for major currency pairs (JPY → USD, EUR, GBP). If your Wise account is already verified and funded, this can be your fastest option without paying Western Union's premium fees.

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Making Smart Financial Choices as a Foreign Resident in Tokyo

Managing money across borders is one of the real challenges of living abroad, but the tools available in 2026 make it easier and cheaper than ever. The key takeaways are simple: avoid Japanese megabank wire transfers for international remittances, set up a Wise account as your baseline, and use SBI Remit or Western Union for specific corridors or emergencies.

Understanding your tax position — particularly the non-permanent resident rules — can also save you significant money and stress at year-end filing time.

At Modern Living Tokyo, we help newly arrived residents navigate exactly these kinds of practical challenges. Many of our sharehouse and furnished apartment residents use Wise or SBI Remit to send money home regularly, and we're always happy to share tips for managing finances smoothly while building your life in Tokyo. If you're just arriving and looking for a soft landing — a furnished place with a community around you — explore our available rooms and get in touch with our team.