Need to pay tuition or rent in Japan? We compare the best ways to send money to Japan from Morocco, the US, and Europe.

Whether you are a student paying tuition or an expat moving savings, you need a cheap way to send money to Japan. Traditional banks are often the worst choice due to hidden fees.

From the US / Europe (Wise vs. Revolut)

• Wise (formerly TransferWise):
  • Best For: Transparency and speed.
  • Rate: They use the mid-market rate (the one you see on Google).
  • Fee: A small percentage (usually 0.6%).
• Revolut:
  • Best For: Smaller amounts.
  • Rate: Good rates on weekdays, but fees on weekends.

From Morocco (The Challenge)

Sending money from Morocco is difficult due to strict currency controls (Office des Changes).

• For Students: You can open a "Dossier Étudiant" at your bank (Attijariwafa, Banque Populaire, etc.). This allows you to transfer tuition and living expenses (up to a limit).
• Services: Western Union and MoneyGram are available but expensive.
• Tip: Many Moroccan students use a relative in Europe to send money via Wise, as direct transfers from MAD to JPY are complex.

👉 Compare Services: International Money Transfer to Japan: Best Services 2026

Receiving Money in Japan

• Swift Code: You will need your Japanese bank's SWIFT code, Branch name, and Account number (7 digits).
• My Number: Japanese banks require your "My Number" (Social Security Number) to receive international transfers.