Start with the corridor and recipient details
Country-specific searches usually fail on recipient format, cash pickup, bank details, limit, delivery speed, or provider availability before the fee math.
Japan remittance fee calculator and money transfer checklist for foreigners
Estimate the JPY cost of sending money from Japan to Korea, the Philippines, Nepal, India, Australia, Canada, the USA, Europe, or another country before you choose a bank, app, Japan Post Bank online route, or cash-pickup route. This page connects destination country, provider registration/current availability, transfer limits, FX spread, receiving/intermediary fees, My Number, recipient name/account details, purpose and source-of-funds evidence, 380,000 yen family-support documents, working holiday salary timing, and leaving-Japan access.
Choose the next remittance and money page
Use this shortcut for send money from Japan to Korea, Nepal, Philippines, India, Pakistan, Bangladesh, Australia, Canada, USA, remittance fee, rate today, transfer limit, transfer time, and My Number searches.
Compare total cost, not just headline fee
Use this for remittance fee, rate today, transfer fee, FX spread, receiving fee, intermediary fee, and monthly salary transfer searches.
Keep source, purpose, family support, and departure records together
Best for family support, 380,000 yen remittance documents, source of funds, large savings, pension refund, final salary, and leaving-Japan searches.
Confirm current provider, license, and tax-document rules
Use official pages before relying on an app, bank wire, Japan Post Bank online route, or remittance document claim.
Country-route searches need different checks
Korea, Philippines, Nepal, India
Common send-money-from-Japan searches in Asia should compare provider coverage, cash pickup or bank deposit, recipient spelling, phone verification, limits, delivery speed, and FX spread before choosing by visible fee.
Pakistan, Bangladesh, Australia, Canada, USA
These corridors can need different account details, routing or SWIFT fields, receiving bank fees, source/purpose evidence, and app verification. Treat each country as a separate route, not one generic remittance answer.
Working holiday salary transfer
Before sending salary home, connect first paycheck timing, Japan bank account status, My Number readiness, monthly rent, tax buffer, and departure timing so the transfer does not create a cash-flow gap.
Family support and large funds
Family-support, pension-refund, inheritance, gift, down-payment, and large savings transfers need records that explain purpose, relationship, source of funds, and who received the money.
Which remittance route fits your situation?
Bank wire route
Useful for larger transfers, receiving funds into a Japan account, or cases where the recipient bank needs SWIFT-style details. Watch intermediary fees, receiving fees, beneficiary-name format, and source-of-funds review.
Funds-transfer service
Often practical for monthly working holiday or foreign-resident transfers. Confirm the provider is registered/current, then compare total cost, not only the visible transfer fee.
Japan Post Bank online route
Check the current online international remittance page, Japanese-language flow, SWIFT/account format, and branch-service change notices before relying on this route.
Cash pickup route
Useful when the recipient does not have an easy receiving bank account, but fees, FX spread, pickup ID, limits, and destination coverage matter.
Receiving money in Japan
Check bank account status, account format, purpose, incoming-transfer details, identity confirmation, fees, and whether extra documentation is needed for the amount or source.
How the fee estimate works
Transfer fee
Enter the provider's visible handling fee in yen. This can be a bank wire fee, transfer-service fee, cash-pickup fee, or app funding fee.
FX spread
Enter the approximate percentage difference between the provider rate and a mid-market reference. A zero-fee transfer can still cost money here.
Receiving and intermediary fees
Bank wires and incoming transfers can involve intermediary or receiving-bank charges. Add a yen estimate when the provider warns that extra bank charges may be deducted.
Recurring cost
Monthly working holiday transfers and regular family support can make a small per-transfer difference meaningful over a year.
Provider, country, and document checks that change the route
Registered and current provider
Start by checking whether the bank or funds-transfer service is currently available for your residence status, country corridor, funding method, and transfer amount.
Country corridors
Philippines, Nepal, India, Bangladesh, Pakistan, Australia, Canada, USA, and Europe searches behave differently because recipient details, cash pickup, IBAN/SWIFT, and limits can vary.
Japan Post Bank route
Japan Post Bank says branch and post-office international remittance service ended on August 29, 2025. Treat the online route as a separate current-availability check.
Recipient and account format
Name spelling, romanization, SWIFT/BIC, IBAN/routing, branch code, account number, address, and phone mismatches can delay or return a transfer.
Purpose and source of funds
Large, frequent, business, incoming, or unclear-purpose transfers may need salary, savings, invoice, refund, family-support, or source-of-funds evidence.
Family support documents
If you use remittances for overseas-relative tax records, keep relationship and remittance documents by relative, especially around the 380,000 yen evidence route.
Leaving Japan access
Before departure, confirm app login, phone number, address records, card delivery, bank closure rules, tax representative timing, and whether transfers can still be initiated abroad.
Choose the remittance path by goal
Send money from Japan to a specific country
Searches for Philippines, Nepal, India, Bangladesh, Pakistan, Australia, Canada, or the USA usually need route-specific fee and receiving-detail checks. Start with the first 14 days checklist, SIM + payroll bank order, bank account checklist, and working holiday jobs calculator before judging how much can be sent after payday.
My Number or identity verification is the blocker
If the provider asks for My Number, residence card, address, phone verification, or bank-app verification, fix the identity chain first. Use the first 14 days checklist, My Number checklist, address checklist, and card/payment checklist.
Cheapest remittance or exchange-rate question
Compare transfer fee, FX spread, receiving fee, cash-pickup fee, speed, and limits together. Use the salary calculator, working holiday tax calculator, and resident tax calculator so recurring transfers do not break monthly cash flow.
Family support or tax deduction records
If the transfer is for a relative living outside Japan, connect the payment record to relationship documents, translations, and any 380,000 yen evidence requirement. Use the overseas dependent deduction calculator before year-end adjustment or final return season.
Large savings, mortgage, or source-of-funds case
Large incoming or outgoing transfers can affect bank screening, source-of-funds records, tax documents, and home-loan readiness. Use the home loan checklist, PR document checklist, and year-end adjustment page.
Leaving Japan, pension refund, or final salary
Before closing local workflows, keep bank access, tax representative, pension refund, final resident tax, and overseas receiving details together. Use the leaving Japan checklist, pension refund calculator, and tax representative checklist.
Working holiday salary transfer path
Before the transfer route
Confirm arrival setup, address registration, My Number, phone, bank, payroll, and first-month cash before relying on remittance after payday.
Before provider registration
Sequence phone number, bank account, registered address, payroll deposit, app verification, and first transfer readiness in one place.
Before the first paycheck
Estimate gross pay, tax buffer, payday, and deductions before deciding how much salary can be sent home each month.
Before choosing a provider
Check whether the route needs a Japan bank account, under-six-month/non-resident service check, cash card, app verification, registered address, incoming-transfer details, or Japanese phone number.
Before identity checks
Use the My Number checklist when a bank or transfer provider asks for individual-number or identity-confirmation workflow details.
Before leaving Japan
Check account access, final salary, pension refund, tax representative, address, and transfer limits before closing local workflows.
Related money movement triggers
After resignation or job loss
Plan final salary, unemployment insurance, health insurance switch, resident-tax bills, account access, and whether money should stay in Japan.
When a refund is expected
Check year-end adjustment, withholding, refund timing, and the receiving account before transferring tax-refund money overseas.
When family support affects taxes
Check overseas dependent deduction readiness, relationship documents, remittance documents, translations, and the 380,000 yen threshold.
Before moving large funds
Separate remittance for savings or family support from down-payment funds, bank records, source-of-funds explanations, and mortgage screening.
Inherited, gifted, or family transfer funds
Check inheritance tax, gift tax, source-of-funds records, overseas heir exposure, and tax representative timing before moving large family money.
Before closing Japan workflows
Coordinate tax representative, pension refund, final bills, bank access, and overseas transfer timing before leaving Japan.
Before sending money from Japan
- Verify that the provider is registered/current for your destination country, transfer amount, funding method, and delivery route.
- Compare total cost: transfer fee, FX spread, intermediary bank fee, receiving bank fee, and cash-pickup cost.
- Compare the provider exchange rate with a mid-market reference so a low headline fee does not hide a weak rate.
- Check whether the route needs a Japan bank account, debit or credit card, cash deposit, app verification, or branch visit.
- Confirm My Number and identity-confirmation requirements before the first transfer.
- Prepare recipient name, country, address, bank name, branch, account number, SWIFT/BIC, IBAN, routing number, or pickup details as required.
- Check beneficiary name spelling, romanization, account-number format, phone number, and address before submitting a bank-to-bank or incoming transfer.
- Check daily, monthly, annual, destination, and first-transfer limits before moving payroll, savings, refunds, or family support.
- Keep salary slips, savings records, invoices, refund notices, family-support records, relationship documents, and source-of-funds evidence when the purpose or amount may be reviewed.
- For working holiday users, compare monthly transfer frequency with salary timing, rent, taxes, and leaving-Japan cash needs.
- Before leaving Japan, confirm app access, card access, phone verification, bank closure rules, final salary, pension refund route, and whether the transfer can be managed from overseas.
Related Japan finance and arrival calculators
Japan first 14 days checklist
Use the arrival setup route before transfer apps: residence card, address registration, phone, My Number, bank, payroll, insurance, and cash reserve.
Working holiday SIM and payroll bank
Prepare the phone, address, bank, payroll, and verification sequence before the first salary transfer from Japan.
Bank account opening checklist
Check residence card, registered address, phone number, payroll documents, cash card delivery, My Number, incoming/outgoing remittance details, and non-resident service limits before choosing a transfer route.
Credit card checklist
Check first-card, debit-card, prepaid-card, bank withdrawal, delivery address, residence-period bank update, income, credit-information disclosure, and rejection risk before relying on card-funded payments.
My Number Card checklist
Check My Number notice, card application, address update, residence-status expiry, identity confirmation, bank, and remittance readiness.
Japan salary calculator
Estimate take-home pay before deciding how much to transfer monthly after tax, social insurance, rent, and living costs.
SIM and phone setup
Check Japanese phone number and app verification readiness before using bank or transfer-service apps.
Japan pension refund
Plan lump-sum withdrawal timing, tax representative follow-up, and where refund money may need to be received.
Resignation and unemployment insurance
Check whether final salary, unemployment insurance, resident tax, and health-insurance changes alter how much money can be sent home.
Home loan readiness
Keep bank records and source-of-funds evidence clean before moving large savings, down payment cash, or family support across borders.
Inheritance and gift tax
Estimate inheritance tax, gift tax, statutory heirs, property inheritance, and overseas-heir exposure before transferring family assets.
Overseas dependent deduction
Use this when family support transfers need to become tax, payroll, resident tax, visa renewal, or PR evidence.
Working holiday hub
Connect remittance with tax, insurance, housing, phone, bank, payroll, and departure planning.
Japan foreign resident hub
Continue into salary, tax, resident tax, health insurance, rent, visa renewal, PR, and leaving-Japan workflows.
Common questions this page answers
- send money from Japan
- send money from Japan to Korea
- send money from Japan to Philippines
- send money from Japan to Nepal
- send money from Japan to India
- send money from Japan to Vietnam
- send money from Japan to Indonesia
- send money from Japan to Australia
- send money from Japan to Canada
- send money from Japan to UK
- send money from Japan to USA
- send money from Japan to Pakistan
- send money from Japan to Bangladesh
- send money from Japan online
- Japan remittance calculator
- Japan remittance for foreigners
- Japan remittance checklist for foreigners
- Japan first 14 days remittance
- Japan arrival remittance checklist
- Remittance from Japan to Philippines
- Remittance from Japan to Korea
- Remittance from Japan to Nepal
- Cheapest remittance from Japan to Philippines
- Japan overseas money transfer
- Japan remittance My Number
- Japan remittance fees FX spread
- Japan Post Bank overseas transfer
- Japan Post Bank international remittance online
- Japan Post Bank international remittance branch ended
- how to send money to Japan Post Bank account
- IBAN number Japan Post Bank
- Japan Post Bank SWIFT code
- Japan bank transfer to overseas
- receive money from overseas Japan
- Japan remittance source of funds
- Japan remittance purpose document
- Japan remittance returned by bank
- Japan working holiday send money home
- Japan working holiday first paycheck remittance
- Japan salary remittance foreigner
- Japan remittance documents overseas dependents
- Japan 380,000 yen remittance document
- Japan remittance 380000 yen documents
- Japan remittance before leaving Japan
- Japan bank account remittance after arrival
- Japan remittance after resignation foreigner
- Japan tax refund remittance overseas
- Japan pension refund remittance account
- Japan down payment remittance mortgage foreigner
- Japan bank transfer overseas fee
- Japan international remittance limit
FAQ for remittance from Japan
Should I use a bank wire or a money transfer service?
Use the route that fits amount, destination, delivery speed, recipient access, identity checks, and total cost. Bank wires can suit larger or bank-to-bank transfers, while funds-transfer services can be practical for regular smaller transfers.
Why is FX spread important?
A low transfer fee can still be expensive if the exchange rate is weak. Compare the fee plus exchange-rate spread and any receiving or intermediary fees.
Is Japan Post Bank branch remittance still available?
Japan Post Bank says branch and post-office international remittance service ended on August 29, 2025. If you use Japan Post Bank, check the current online international remittance route, language flow, and account-format requirements.
What documents matter for family-support remittance tax evidence?
For relatives living outside Japan, keep relationship documents and remittance records by relative. The 380,000 yen evidence route needs records that clearly show qualifying remittance amounts, so do not rely only on a generic bank statement.
What can delay or return an incoming remittance to Japan?
Wrong beneficiary details, account format, name or address mismatch, missing documents, unclear purpose, source-of-funds review, or bank contact failure can delay, refuse, or return an incoming transfer.
What if I am leaving Japan soon?
Check account closure, card access, registered address, tax representative, pension refund, and transfer limits before departure so money is not trapped in an account you cannot manage.
Official and provider sources
- Japan Financial Services Agency guide for living in Japan
- FSA English guide PDF for foreign residents
- FSA list of licensed and registered financial institutions
- FSA suspicious-transaction reference cases for financial institutions
- Japan Post Bank English information
- Japan Post Bank remittance rates and charges
- Japan Post Bank customer protection and multilingual service information
- SMBC Trust Bank overseas fund transfer fee structure
- Provider example: transfer fee plus exchange-rate comparison
- My Number Card official information site
- Tokyo Intercultural Portal guide to sending money
- Seven Bank international money transfer My Number information
- Japan NTA: remittance documents for relatives living outside Japan
- Japan NTA PDF: relatives living outside Japan and 380,000 yen remittance documents
Sources checked in June 2026: FSA living-in-Japan material was updated April 25, 2025 and references revised foreign-resident guides; Japan Post Bank says branch/post-office international remittance ended August 29, 2025 and incoming transfers can be delayed or returned when details or documents do not clear review; NTA's June 2025 guidance explains overseas-relative and 380,000 yen remittance-document evidence. Use your chosen bank or funds-transfer provider for final fee, exchange-rate, destination, identity-check, My Number, and transfer-limit decisions.