Sending Money from Japan: Cheapest & Fastest Ways

Sending money from Japan to your home country is something most foreign residents do regularly — but fees, exchange rates, and transfer speeds vary widely between services. Whether you use a bank, an app like Wise, or a dedicated remittance service like Remitly or SBI Remit, the difference in cost can be significant, so it's worth comparing your options before you commit.

The key things to look at are the transfer fee, the exchange rate markup, and how quickly the money arrives. Our comparison of the cheapest ways to send money from Japan breaks down the real costs across the most popular services so you can see which works best for your destination and amount. If you're new to international transfers, what documents and steps you need is a good place to start.

Use the guides below to find the right service for your situation — whether you're prioritising low fees, a fast arrival time, or simple setup from your phone.