Need to send money to Japan? We compare Wise, Revolut, and traditional banks to find the cheapest and fastest option.

Whether you are paying tuition or sending savings, finding the best international money transfer to Japan service is crucial to save on fees.

The Contenders

1. Wise (formerly TransferWise):
   • The Winner: Consistently the best rates and transparency.
   • Rate: Mid-market rate (no markup).
   • Speed: Often instant or same-day.
2. Revolut:
   • Runner Up: Great if you already use the app.
   • Note: Watch out for weekend exchange fees (usually 1%).
3. PayPal:
   • Avoid: Terrible exchange rates and high fees. Only use for small, urgent payments.
4. Traditional Banks (SWIFT):
   • Avoid: High lifting fees (approx. 4,000 JPY) on the receiving end.

👉 Send Money: Send Money to Japan from Morocco, US, and Europe

Receiving Money in Japan

• My Number: You MUST provide your "My Number" (Individual Number) to your Japanese bank to receive funds from abroad. This is a legal requirement.
• Lifting Fees: If you send via SWIFT, Japanese banks often charge a "Lifting Fee" of 2,500 - 4,000 JPY just to receive the money. Wise avoids this by using local bank transfers.

Conclusion

For 99% of people, Wise is the best option. It's cheaper, faster, and less headache than dealing with SWIFT codes.