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

🇮🇳 भारत — ¥100,000

Choosing the worst option loses you about ¥14,132 more on a ¥100,000 transfer.

ProviderYou receive FeeLost vs best
Instarem 61,860 INR
Wise 61,611.94 INR ¥1,025 −248.06 INR
三井住友銀行 SMBC 54,852.17 INR ¥3,500 −7,007.83 INR
三菱UFJ銀行 MUFG 53,117.82 INR ¥6,000 −8,742.18 INR

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: 2026-09-12 21:32 UTC