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

🇺🇸 USA — ¥100,000

Choosing the worst option loses you about ¥6,303 more on a ¥100,000 transfer.

ProviderYou receive FeeLost vs best
Instarem 630.02 USD — —
Wise 625.73 USD ¥987 −4.29 USD
SBI Remit 621.3 USD ¥1,500 −8.72 USD
PayPal 607.27 USD — −22.75 USD
三井住友銀行 SMBC 606.63 USD ¥3,500 −23.39 USD
PRESTIA 596.56 USD ¥5,000 −33.46 USD
三菱UFJ銀行 MUFG 590.31 USD ¥6,000 −39.71 USD

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 17:49 UTC