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Send money from United States to Japan(USD → JPY)
USD
JPY|Updated recentlyMid-market 159.0574Cheapest todayof 8 providers
Wise
Rate 159.0574 · Fee $7.26
You send
$1,000
Recipient gets
¥157,903
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from United States to Japan in May 2026 is Wise, which delivers 157,902.62 JPY on a 1,000 USD transfer with a fee of $7.26.
Last reviewed: by Awais Imran, Reviews Editor
↑
Rates are great right now
90th percentile
Based on 60 days of data (2026-03-13 to 2026-05-20)
Today's best
¥15,505
Wise
60-day avg
1 USD = 158.79 JPY
Best rate
160.38
2026-03-29 · Wise
Worst rate
157.19
2026-05-05 · Wise
What is the cheapest way to send USD to JPY?
Sending $1,000 from United States to Japan. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 159.0574·Fee $7.26
Best rate 60 of 60 days
↓ 0.4% over 60dAvg: 158.79 JPY (+0.2% vs avg)Range: 156.17–160.38
1
WiseBest value
58 min
Best rate 60 of 60 days
↓ 0.4% over 60dAvg: 158.79 JPY (+0.2% vs avg)Range: 156.17–160.38
159.0574
$7.26
¥157,902.62
Rate 155.6217·Fee $5.00·2.16% markup
Rate 154.5561·Fee Free·2.83% markup
↓ 0.5% over 54dAvg: 154.47 JPY (+0.1% vs avg)Range: 151.77–156.19
3
2-5 business days2.83% markup
↓ 0.5% over 54dAvg: 154.47 JPY (+0.1% vs avg)Range: 151.77–156.19
154.5561
Free
¥154,556.06
Rate 154.1584·Fee Free·3.08% markup
↓ 0.3% over 58dAvg: 153.70 JPY (+0.3% vs avg)Range: 151.20–155.27
4
2-5 business days3.08% markup
↓ 0.3% over 58dAvg: 153.70 JPY (+0.3% vs avg)Range: 151.20–155.27
154.1584
Free
¥154,158.41
Rate 155.2082·Fee $6.99·2.42% markup
↓ 0.7% over 49dAvg: 155.19 JPYRange: 152.35–156.85
5
155.2082
$6.99
¥154,123.29
Rate 158.1348·Fee $29.86·0.58% markup
Rate 152.9337·Fee Free·3.85% markup
Most stable rate
↓ 0.2% over 58dAvg: 152.47 JPY (+0.3% vs avg)Range: 149.66–153.94
7
Minutes to 3 days3.85% markup
Most stable rate
↓ 0.2% over 58dAvg: 152.47 JPY (+0.3% vs avg)Range: 149.66–153.94
152.9337
Free
¥152,933.67
Rate 158.2621·Fee Free·0.50% markup
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Find the best way to send money from United States to Japan. Our comparison tool shows live rates from 15+ providers — see exactly how much JPY your recipient will receive after all fees.
Whether you're supporting family in Japan or paying for business services, finding the cheapest way to send money from United States matters. Exchange rate markups and transfer fees add up — especially on regular transfers. Our real-time comparison helps you cut costs by showing the exact amount your recipient gets from each provider.
Which provider offers the best USD to JPY rate?
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 United States to Japan route.
Cheapest transfer
Wise
Delivers the most JPY for your money
Fastest transfer
Remitly
Delivers in Minutes to 3-5 days
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to Japan
How to send money to Japan
Sending money to Japan is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much USD 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. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes 1–2 business days.
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: USD to JPY
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Wise
159.06 · 58 min
OFX
155.62 · 1-3 business days
Bank of America
154.56 · 2-5 business days
Wells Fargo
154.16 · 2-5 business days
XE
158.13 · 1-4 business days
Remitly
155.21 · Minutes to 3-5 days
ProviderFeeRateReceivesSpeed
Wise$12.60159.06¥77,52558 min
OFX$2.50155.62¥77,4221-3 business days
Bank of AmericaFree154.56¥77,2782-5 business days
Wells FargoFree154.16¥77,0792-5 business days
XE$14.93158.13¥76,7061-4 business days
Remitly$34.95155.21¥72,180Minutes to 3-5 days
Send $1,000
ProviderFeeReceives
Wise
159.06 · 58 min
OFX
155.62 · 1-3 business days
Bank of America
154.56 · 2-5 business days
Wells Fargo
154.16 · 2-5 business days
Remitly
155.21 · Minutes to 3-5 days
XE
158.13 · 1-4 business days
ProviderFeeRateReceivesSpeed
Wise$7.26159.06¥157,90358 min
OFX$5.00155.62¥154,8441-3 business days
Bank of AmericaFree154.56¥154,5562-5 business days
Wells FargoFree154.16¥154,1582-5 business days
Remitly$6.99155.21¥154,123Minutes to 3-5 days
XE$29.86158.13¥153,4131-4 business days
Send $5,000
ProviderFeeReceives
Wise
159.07 · Instant to 2 days
XE
158.13 · 1-4 business days
OFX
157.88 · 1-3 business days
Remitly
157.40 · Minutes to 3-5 days
Bank of America
154.56 · 2-5 business days
Wells Fargo
154.16 · 2-5 business days
ProviderFeeRateReceivesSpeed
Wise$19.31159.07¥792,295Instant to 2 days
XE$29.86158.13¥785,9521-4 business days
OFX$37.70157.88¥783,4501-3 business days
Remitly$52.89157.40¥778,691Minutes to 3-5 days
Bank of AmericaFree154.56¥772,7802-5 business days
Wells FargoFree154.16¥770,7922-5 business days
How much does it cost to send money from United States to Japan?
Transfer fees from United States to Japan vary by provider. Specialist services charge $0–10 per transfer, while banks charge $25–50 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 $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (159.0574).
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
How can my recipient receive money in Japan?
Your recipient in Japan can receive money through these delivery methods. The best option depends on their location and preferences.
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 United States 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.
FastExpress delivery
- RemitlyMinutes to 3-5 days
- Xoom (PayPal)Minutes to 3 days
Standard delivery
- Wise58 min
- OFX1-3 business days
- Bank of America2-5 business days
- Wells Fargo2-5 business days
- XE1-4 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
USD to JPY Exchange Rate History
Daily best exchange rates from top providers over the last 60 days. Rates shown are for sending $100.
| Date | Wise | __mid Market__ | Xoom (PayPal) | Wells Fargo | Bank of America |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 159.0600✓ | 154.1567 | 152.9406 | 154.1567 | 154.5586 |
| May 19 | 158.9550✓ | 154.2968 | 152.6931 | 153.8782 | 154.2968 |
| May 18 | 158.9100✓ | 154.3114 | 152.5586 | 153.8927 | 154.3114 |
| May 17 | 158.7700✓ | 152.5250 | 152.5250 | 153.7571 | 154.1754 |
| May 16 | 158.7700✓ | 154.1754 | 152.5250 | 153.7571 | 154.1754 |
| May 15 | 158.5200✓ | 154.7422 | 152.3906 | 153.4720 | 154.0067 |
| May 14 | 158.1250✓ | 153.4336 | 151.7372 | 152.9010 | 153.4336 |
| May 13 | 157.6750✓ | 153.1374 | 151.5115 | 152.6058 | 153.1374 |
| May 12 | 157.5550✓ | 152.5233 | 151.3674 | 152.5233 | — |
| May 11 | 157.0650✓ | 152.0973 | 150.7306 | 152.0973 | — |
| May 10 | 156.6800✓ | 152.8700 | 150.5243 | 151.7052 | 152.3729 |
| May 9 | 156.6800✓ | 152.8700 | 150.5243 | 151.7052 | 152.3729 |
| May 8 | 156.9400✓ | 150.7525 | 150.7525 | 152.0058 | 152.5869 |
| May 7 | 156.1700✓ | 149.6557 | 149.6557 | 151.1968 | 151.7748 |
| May 6 | 157.6850✓ | 151.3199 | 151.3199 | 152.7372 | 153.3211 |
| May 5 | 157.1950✓ | 157.1950✓ | — | — | — |
| May 4 | 157.0550✓ | 157.0550✓ | — | — | — |
| May 3 | 157.0550✓ | 150.7320 | 150.7320 | 152.1415 | 152.5987 |
| May 2 | 157.0550✓ | 153.2400 | 150.7320 | 152.1415 | 152.5987 |
| May 1 | 157.1550✓ | 153.8392 | 150.9000 | 152.1970 | 152.7524 |
| Apr 30 | 160.2600✓ | 155.1605 | 153.8371 | 155.1605 | 155.7267 |
| Apr 29 | 159.5850✓ | 156.2381 | 153.3164 | 154.5891 | 155.1532 |
| Apr 28 | 159.5450✓ | 155.0140 | 153.1628 | 152.1727 | 155.0140 |
| Apr 27 | 159.3150✓ | 152.8462 | 152.8462 | 151.9724 | 154.8100 |
| Apr 26 | 159.3600✓ | 152.0010 | 152.9973 | 152.0010 | 154.8391 |
| Apr 25 | 159.3600✓ | 152.9973 | 152.9973 | 154.3565 | 154.8391 |
| Apr 24 | 159.7750✓ | 153.4389 | 153.4389 | 154.7633 | 155.5350 |
| Apr 23 | 159.3650✓ | 154.3807 | 152.9925 | 154.3807 | 155.1505 |
| Apr 22 | 159.2750✓ | 155.0873 | 152.8845 | 154.3177 | 155.0873 |
| Apr 21 | 158.9550✓ | 152.5797 | 152.5797 | 153.9111 | 154.5291 |
| Apr 20 | 158.8550✓ | 154.4660 | 152.5029 | 153.8482 | 154.4660 |
| Apr 19 | 158.6150✓ | 154.1986 | 152.2726 | 153.5819 | 154.1986 |
| Apr 18 | 158.6150✓ | 154.1986 | 152.2726 | 153.5819 | 154.1986 |
| Apr 17 | 159.3350✓ | 155.8798 | 152.9301 | 154.3333 | 154.8959 |
| Apr 16 | 158.7550✓ | 153.8055 | 152.4190 | 153.8055 | 154.3662 |
| Apr 15 | 158.9150✓ | 154.5100 | 152.4554 | 153.9265 | 154.5100 |
| Apr 14 | 159.1750✓ | 152.6304 | 152.6304 | 154.0851 | 154.6850 |
| Apr 13 | 159.6850✓ | 155.3266 | 153.2277 | 154.7242 | 155.3266 |
| Apr 12 | 159.2950✓ | 154.8600 | 152.8104 | 154.2594 | 154.8600 |
| Apr 11 | 159.2950✓ | 152.8104 | 152.8104 | 154.2594 | 154.8600 |
| Apr 10 | 159.1850✓ | 152.6881 | 152.6881 | 154.0837 | — |
| Apr 9 | 158.8450✓ | 153.6723 | 152.3235 | 153.6723 | — |
| Apr 8 | 158.5150✓ | 154.0894 | 152.2056 | 153.4981 | 154.0894 |
| Apr 7 | 159.8100✓ | 154.7937 | 153.3572 | 154.7937 | 155.3089 |
| Apr 6 | 159.4150✓ | 152.9927 | 152.9927 | 154.4644 | 154.9785 |
| Apr 5 | 159.6700✓ | 154.6339 | 153.1414 | 154.6339 | 155.1486 |
| Apr 4 | 159.6700✓ | 153.1414 | 153.1414 | 154.6339 | 155.1486 |
| Apr 3 | 159.6450✓ | 154.4982 | 153.1294 | 154.4982 | 155.1146 |
| Apr 2 | 159.5950✓ | 154.5078 | 153.4152 | 154.5078 | 155.5063 |
| Apr 1 | 158.7850✓ | 154.6686 | 152.8358 | 153.6755 | 154.6686 |
| Mar 31 | 158.8450✓ | 153.7980 | 152.6708 | 153.7980 | 154.7270 |
| Mar 30 | 159.5950✓ | 156.0000 | 152.9878 | 154.5048 | 155.1093 |
| Mar 29 | 160.3750✓ | 155.2745 | 153.9401 | 155.2745 | 156.1862 |
| Mar 28 | 160.3150✓ | 153.7985 | 153.7985 | 155.2023 | 156.0936 |
| Mar 18 | 158.9700✓ | 158.9700✓ | 152.4578 | 153.9891 | 154.5760 |
| Mar 17 | 159.3550✓ | 159.3550✓ | 152.9111 | 154.2960 | 154.8989 |
| Mar 16 | 158.9750✓ | 158.9750✓ | 152.3072 | 153.9280 | 154.5295 |
| Mar 15 | 159.7350✓ | 159.7350✓ | 153.2445 | 154.6639 | 155.2683 |
| Mar 14 | 159.7350✓ | 159.7350✓ | 153.2445 | 154.6639 | 155.2683 |
| Mar 13 | 159.7350✓ | 159.7350✓ | 153.2445 | 154.6639 | 155.2683 |
Common questions about sending money from United States to Japan
What is the cheapest way to send money from United States 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 United States 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 $1,000 from United States 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 $1,000 transfer today.
Can I send money from United States to Japan online?
Yes, all the providers we compare support online transfers from United States 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 $25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge $0–10 with markups under 1%, saving you significantly on every transfer to Japan.
Everything about sending money to Japan
Recipient requirements, delivery methods, regulations, popular banks, and more.
Other routes to Japan
Popular corridors
Top provider reviews
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