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How to Send Money Overseas from Japan | Complete Guide for Foreigners
If you live in Japan, there may be times when you need to send money overseas.
For example, many foreign residents send money to their family, transfer savings to their home country, or move funds between international bank accounts.
However, if you try to send money overseas for the first time in Japan, you might not know which method is the best, how much the fees are, or which service is the fastest.
In this article, we will explain the main ways to send money overseas from Japan, compare fees, and share useful tips to help you save money.
Contents
- 1. Why People Send Money Overseas from Japan
- 2. Sending Money via Japanese Banks
- 3. Online International Transfer Services
- 4. Transfer Fee Comparison
- 5. Transfer Process
- 6. Important Tips for International Transfers
- 7. Summary
1. Why People Send Money Overseas from Japan
Foreign residents in Japan often need to send money abroad for several reasons.
- Sending money to family
- Saving money in a home country bank account
- Paying credit cards abroad
- Moving investment funds
- Supporting education or living expenses
For people working in Japan, it is common to transfer part of their salary to their home country.
2. Sending Money via Japanese Banks
The most traditional way to send money overseas is through Japanese banks.
Most major banks in Japan offer international transfer services.
- Mizuho Bank
- Mitsubishi UFJ Bank
- Rakuten Bank
- Japan Post Bank
The advantage of bank transfers is high security.
However, the downside is relatively high transfer fees.
Bank transfer fees can range from about 3,000 yen to 6,000 yen depending on the bank.
3. Online International Transfer Services
Many people now use online international transfer services instead of traditional banks.
- Wise
- Western Union
- Remitly
- SBI Remit
These services often provide lower fees and faster transfer speeds.
For example, Wise is popular because it uses real exchange rates with transparent fees.
Some services can complete transfers within minutes.
4. Transfer Fee Comparison
The cost of international transfers can vary depending on the service you choose.
- Japanese bank transfer: 3,000 – 6,000 yen
- Wise transfer: 500 – 2,000 yen
- Western Union: 1,000 – 3,000 yen
Exchange rates can also affect the final amount received.
5. Transfer Process
The process of sending money overseas from Japan is usually simple.
- Choose a transfer service
- Create an account
- Verify your identity
- Enter the recipient's bank information
- Enter the transfer amount
- Confirm the fees and complete the transfer
Identity verification often requires a residence card or other ID.
6. Important Tips for International Transfers
- Check transfer fees
- Compare exchange rates
- Confirm transfer limits
- Enter bank details carefully
If the bank information is entered incorrectly, the transfer may be delayed or returned.
Also, some services have daily transfer limits.
7. Summary
There are several ways to send money overseas from Japan.
Bank transfers are secure but often have higher fees.
Online transfer services usually offer lower fees and faster processing times.
Choosing the right method can help you save money and transfer funds more efficiently.