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Send money from Switzerland to Japan(CHF → JPY)
CHF
JPY|Pricing observed Mid-market 188.0941Top-ranked estimateof 5 providers
Wise
Rate 186.6457 · Fee CHF7.70
You send
CHF1,000
Estimated receipt
¥185,209
¥16,600 more than the lowest estimate · 0.77% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 CHF to JPY, Wise ranks first among 5 provider estimates, with an estimated payout of 185,208.56 JPY. The first-ranked estimate pays 16,595.36 JPY more than the lowest estimate in this comparison.
Latest pricing observation: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves Switzerland specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send CHF to JPY?
Sending CHF1,000 from Switzerland to Japan. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 186.6457·Fee CHF7.70·0.77% markup
Rate 185.0657·Fee CHF16.10·1.61% markup
3
Zürcher Kantonalbank
1-3 business days
¥173,094.78
recipient gets
Rate 180.4386·Fee CHF40.70·4.07% markup
Rate 178.6894·Fee CHF50.00·5.00% markup
5
Migros
1-3 business days
¥168,613.20
recipient gets
Rate 178.0875·Fee CHF53.20·5.32% markup
Rate 187.1536·Fee Free·0.50% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by ¥16,595.36 on a CHF1,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Compare the cheapest ways to send money from Switzerland to Japan. We compare fees, exchange rates, and transfer speeds from 15+ providers so you get the most JPY for your CHF.
Swiss expats and immigrants regularly send money to Japan. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total JPY received from each provider after all fees and markups.
Which provider offers the best CHF to JPY rate?
Wise
4.3Exchange rate
186.6457
Fee
CHF7.70
Recipient gets
¥185,208.56
Speed
~2 business days
Also available · Digital-asset rails
Crypto & stablecoin routes for CHF → JPY
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
CoincheckBitcoin · Lightning
Kraken → Lightning Network (BTC) → Coincheck (BTC) · ~1 second
187,356 JPY
0.56% all-in
+
CoincheckBitcoin · Lightning
Kraken → Lightning Network (BTC) → Coincheck (BTC) · ~1 second
187,356 JPY
0.56% all-in
- 1Kraken CHF→BTC: 0.26%
- 2Lightning Network network: 0.000001 BTC
- 3Coincheck (BTC): 0.01% spread
- 4407 JPY withdrawal fee
Source: Coincheck REST API
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Switzerland to Japan route.
Cheapest transfer
Wise
Delivers the most JPY for your money
Fastest transfer
PayPal
Delivers in Instant to 3 days
Cash pickup
Western Union
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to Japan
How to send money to Japan
Sending money to Japanis straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much CHF you want to send, compare providers above, and pick the one offering the best JPY amount for your transfer to Japan.
Step 2
Add your recipient
Enter your recipient's details in Japan — you'll need their bank account number. Complete the provider’s verification before expecting delivery.
Step 3
Send & track your transfer
Choose an available funding method, confirm the final payout and arrival estimate, then keep your tracking reference.
What you need to send money to Japan
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name in katakana or romaji as registered with the bank
Bank account number
7-digit Japanese bank account number
Example: 1234567
Branch code
3-digit branch code identifying the specific bank branch
Example: 001
Bank code
4-digit bank code (e.g. 0001 for Mizuho, 0005 for Mitsubishi UFJ)
Example: 0001
Account type
Ordinary (futsu) or current (toza) account type
Note: Japan does not use the IBAN system. Japanese bank transfers require a 4-digit bank code, 3-digit branch code, and 7-digit account number. The recipient's name must be in katakana — romaji (Latin letters) may cause delays if the bank requires katakana matching.
Transfer examples: CHF to JPY
See how much your recipient would get for common transfer amounts.
Send CHF500
ProviderFeeReceives
Wise
186.65 · ~2 business days
Western Union
185.07 · 1 business day
Zürcher Kantonalbank
180.44 · 1-3 business days
PayPal
178.69 · Instant to 3 days
Migros
178.09 · 1-3 business days
Regency FX
187.15 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseCHF3.85186.65¥92,604~2 business days
Western UnionCHF8.05185.07¥91,0431 business day
Zürcher KantonalbankCHF20.35180.44¥86,5471-3 business days
PayPalCHF25.00178.69¥84,877Instant to 3 days
MigrosCHF26.60178.09¥84,3071-3 business days
Regency FXFree187.15¥93,577Same day to 2 business days
Send CHF1,000
ProviderFeeReceives
Wise
186.65 · ~2 business days
Western Union
185.07 · 1 business day
Zürcher Kantonalbank
180.44 · 1-3 business days
PayPal
178.69 · Instant to 3 days
Migros
178.09 · 1-3 business days
Regency FX
187.15 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseCHF7.70186.65¥185,209~2 business days
Western UnionCHF16.10185.07¥182,0861 business day
Zürcher KantonalbankCHF40.70180.44¥173,0951-3 business days
PayPalCHF50.00178.69¥169,755Instant to 3 days
MigrosCHF53.20178.09¥168,6131-3 business days
Regency FXFree187.15¥187,154Same day to 2 business days
Send CHF5,000
ProviderFeeReceives
Wise
186.65 · ~2 business days
Western Union
185.07 · 1 business day
Zürcher Kantonalbank
180.44 · 1-3 business days
PayPal
178.69 · Instant to 3 days
Migros
178.09 · 1-3 business days
Regency FX
187.15 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseCHF38.50186.65¥926,043~2 business days
Western UnionCHF80.50185.07¥910,4311 business day
Zürcher KantonalbankCHF203.50180.44¥865,4741-3 business days
PayPalCHF250.00178.69¥848,774Instant to 3 days
MigrosCHF266.00178.09¥843,0661-3 business days
Regency FXFree187.15¥935,768Same day to 2 business days
How much does it cost to send money from Switzerland to Japan?
Transfer fees from Switzerland to Japan vary by provider. Specialist services charge CHF0–10 per transfer, while banks charge CHF25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total JPY your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically CHF0–CHF10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (188.0941).
Ways to send money to Japan
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit via the Zengin (Japanese Bankers Association) payment system is the primary method. Japan's banking system is highly reliable but can be strict about name matching — ensure the recipient's name exactly matches their bank records.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Japan?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
Bank Deposit
1–2 business days
Direct transfer to any Japanese bank account via the Zengin system. The standard method for domestic and international transfers.
WiseRemitlyWorldRemitWestern Union+1 more
Cash Pickup
Minutes
Collect cash at convenience stores (7-Eleven, FamilyMart), post offices, and agent locations across Japan.
Western UnionMoneyGram
What are the transfer limits and regulations for Japan?
Important rules and requirements to know before sending money to Japan.
Regulatory body
Financial Services Agency (FSA) of Japan
Inbound transfer limits
Transfers over JPY 1,000,000 (approx. $7,000) must be reported to the Bank of Japan
Documentation you may need
- Sender's government-issued photo ID
- Purpose of remittance for amounts over JPY 1,000,000
- Recipient's residence card (zairyu card) for non-Japanese nationals
Important things to know
- Japan's Foreign Exchange and Foreign Trade Act requires reporting of large cross-border transactions.
- The Zengin system processes transfers on business days only — weekend transfers settle on Monday.
- Japanese banks are strict about name matching — katakana names must match the account holder exactly.
- My Number (individual number) may be requested for tax reporting on large inbound transfers.
How long does it take to send money to Japan?
Most transfers from Switzerland to Japan arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Japan for a small premium.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
FastExpress delivery
- PayPalInstant to 3 days
Standard delivery
- Wise~2 business days
- Western Union1 business day
- Zürcher Kantonalbank1-3 business days
- Migros1-3 business days
- Regency FXSame day to 2 business days
Popular banks in Japan
These are the most commonly used banks for receiving international transfers in Japan.
BankSWIFT/BICNotes
MUFG Bank (Mitsubishi UFJ)
BOTKJPJT
Sumitomo Mitsui Banking Corporation (SMBC)
SMBCJPJT
Mizuho Bank
MHCBJPJT
Japan Post Bank (Yucho)
JABORJPJ
Resona Bank
DIWAJPJT
Rakuten Bank
RAKTJPJT
Frequently asked questions
Common questions about sending money from Switzerland to Japan
What is the cheapest way to send money from Switzerland to Japan?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Switzerland to Japan?
Most specialist providers deliver to Japan within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send CHF1,000 from Switzerland to Japan?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much JPY your recipient would receive from a CHF1,000 transfer today.
Can I send money from Switzerland to Japan online?
Yes, all the providers we compare support online transfers from Switzerland to Japan. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Japan?
Money transfer services are almost always cheaper. Banks typically charge CHF25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge CHF0–10 with markups under 1%, saving you significantly on every transfer to Japan.
More for this corridor
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Recipient requirements, delivery methods, regulations, popular banks, and more.
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