Sending money home from Japan: where you keep the most

What actually arrives when you send ¥100,000, by provider. These are the rates each provider publishes right now.

🇻🇳 Việt Nam🇳🇵 नेपाल🇮🇩 Indonesia🇵🇭 Pilipinas🇲🇲 မြန်မာ🇹🇭 ไทย🇨🇳 中国🇰🇷 한국🇮🇳 भारत🇱🇰 ශ්‍රී ලංකා🇧🇷 Brasil🇺🇸 USA

🇮🇩 Indonesia — ¥100,000

Choosing the worst option loses you about ¥14,711 more on a ¥100,000 transfer.

ProviderYou receive FeeLost vs best
Instarem 11,423,123 IDR — —
Wise 11,379,145 IDR ¥976 −43,978 IDR
SBI Remit 11,294,069 IDR ¥1,480 −129,054 IDR
三井住友銀行 SMBC 9,742,630 IDR ¥3,500 −1,680,493 IDR

Figures are fetched live from Wise's public provider comparison. Rates move, so the amount at the time you actually send may differ. Check each provider's own page for fees and payout conditions.
Fetched: 2026-10-28 16:46 UTC