Who can I send Japanese yen (JPY) to?

You can send Japanese yen (JPY) to any Japanese bank account domestically and through Swift, as well as to global accounts that can receive Japanese yen (JPY) through Swift.

What information do I need about my recipient?

For local payments: Full bank account name (usually in Katakana) – this must match exactly what’s printed on the first inside page of the bankbook Account number – usually 7 digits Account type: 普通 (Futsuu) Savings/General 貯蓄 (Chochiku) Savings Deposit 当座 (Touza) Checking/Current Bank name and branch – in Latin alphabet, Katakana, Kanji, or provide a bank or branch code For Swift payments: Full name on the bank account in Latin alphabet Swift/BIC code Account number

How much can I send to Japan?

The amount you can send depends on if your registered address on your Wise account is inside or outside Japan. It can also depend on the currency you’re sending from, so check the relevant currency article for more info. If your Wise account’s registered address is inside Japan: You can send up to: 1 million Japanese yen (JPY) from money that's in your Wise account 150 million JPY using Send and paying from outside Wise — such as from a bank account or card If your Wise account’s registered address is outside Japan: You can send up to 150 million Japanese yen (JPY) to domestic Japan recipients, regardless of whether you’re sending from money that's in your Wise account or paying in from outside Wise. If you are sending to a Swift recipient in Japan, the minimum amount you can send is 1 million Japanese yen (JPY). Sending to domestic recipients is cheaper and faster, so please ask your recipient for a domestic account for ‘furikomi’ (振込) purposes instead if you’re sending less than 1 million Japanese yen (JPY). Learn more about sending Large Transfers if you live in Japan

How long does a money transfer to Japan take?

Once Wise receives and converts your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days. If you’re sending to a recipient using the Swift payment network , it will take longer. A Swift recipient is a recipient that has a Swift (BIC) code, rather than a domestic bank and branch code. When sending using Swift, correspondent banks in between may also deduct their handling fees . We can send Swift payments to most major Japanese banks, but please check with your recipient bank for more details. We recommend asking your JPY recipient for a domestic bank account when possible, as your transfer will be faster and cheaper this way. When the money is in transit, correspondent banks in between may also deduct their handling fees. We can send Swift to most major Japanese banks, but please check with your recipient bank for more details. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to Japan

Name: Wise
Rating: 4.8 (1030000 reviews)

Save on your online money transfer to Japan from Hong Kong. Transfer Hong Kong dollar to Japanese yen quickly, safely and join over 14.8 million people using Wise.

Send money from Japan to Hong Kong instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (16h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
47.60 HKD

Total included fees (0.48%)
47.60 HKD

You could save up to 438.60 HKD

Should arrive by Tuesday

4.8 ★ on App Store 152K reviews

4.8 ★ on Google Play 1.3M reviews

Send money to Japan

Save on your online money transfer to Japan from Hong Kong. Transfer Hong Kong dollar to Japanese yen quickly, safely and join over 14.8 million people using Wise.

Send money from Japan to Hong Kong instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (16h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 HKD
Our fee
47.60 HKD

Total included fees (0.48%)
47.60 HKD

You could save up to 438.60 HKD

Should arrive by Tuesday

Compare fees for when you send money to Japan

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Get started

Sending 10,000 HKD with	Recipient gets(Total after fees)
	188,896 JPY
Transfer fee 47.60 HKD Exchange rate(1 HKD JPY) 18.9799 Exchange rate markup 0 HKD Cost of transfer 47.60 HKD

	186,854 JPY- 2,042 JPY
Transfer fee 65 HKD Exchange rate(1 HKD JPY) 18.8076 Exchange rate markup 90.78 HKD Cost of transfer 155.78 HKD

	185,977 JPY- 2,919 JPY
Transfer fee 70 HKD Exchange rate(1 HKD JPY) 18.7288 Exchange rate markup 132.29 HKD Cost of transfer 202.29 HKD

	185,134 JPY- 3,762 JPY
Transfer fee 230 HKD Exchange rate(1 HKD JPY) 18.9492 Exchange rate markup 16.18 HKD Cost of transfer 246.18 HKD

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	Hang Seng	HSBC HK	Bank of East Asia
Recipient gets (Total after fees)	188,896 JPY	186,854 JPY	185,977 JPY	185,134 JPY
Exchange rate (1 HKDJPY)	18.9799	18.8076	18.7288	18.9492
Exchange rate markup	0 HKD	90.78 HKD	132.29 HKD	16.18 HKD
Transfer fee	47.60 HKD	65 HKD	70 HKD	230 HKD
Total transfer cost	47.60 HKD	155.78 HKD	202.29 HKD	246.18 HKD

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Japan from Hong Kong

Enter amount to send in HKD.

Pay in HKD with your debit card or credit card, or send the money from your online banking.

Choose recipient in Japan.

Select who you want to send money to and which pay-out method to use.

Send HKD, receive JPY.

The recipient gets money in JPY directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Japan

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Japan with WISE

The best way to send Hong Kong dollar to Japanese yen is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Debit Card
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Credit card
Credit card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
Apple Pay
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Google Pay
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

Cheapest way to send money to Japan from Hong Kong

The cheapest way to send 10,000 HKD to Japan is by using money that's in your Wise account and costs 41.45 HKD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

HKD

JPY

Sending 10,000 HKD	Transfer cost
Wise account	41.45 HKD

Bank transfer	47.60 HKD

Debit card	444.88 HKD

Credit card	467.80 HKD

Apple Pay	481.51 HKD

Google Pay	481.51 HKD

Fastest way to send money to Japan from Hong Kong

Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

HKD

JPY

Sending 10,000 HKD	Should arrive
Wise account	by Tuesday

Bank transfer	by Tuesday

Debit card	by Tuesday

Credit card	by Tuesday

Apple Pay	by Tuesday

Google Pay	by Tuesday