International money transfers
Join over 16 million people who choose Wise for fast and secure online money transfers. We're on average 5x cheaper for sending money abroad than leading UK high street banks.
Should arrive by Wednesday
Find out how much it costs to send money abroad
| Sending 10,000 GBP with | Recipient gets(Total after fees)and transfer speed | Transfer speed | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
Cheapest | 1,979,625 JPYSave up to 102,435 JPY1 day | 1 day | |||||||||
Transfer fee 43.38 GBP Exchange rate(1 GBP JPY) 198.825 Exchange rate markup 0 GBP Cost of transfer 43.38 GBP | |||||||||||
 | 1,964,328 JPY- 15,297 JPYunavailable | unavailable | |||||||||
Transfer fee 0 GBP Exchange rate(1 GBP JPY) 196.433 Exchange rate markup 120.31 GBP Cost of transfer 120.31 GBP | |||||||||||
 | 1,945,978 JPY- 33,647 JPY7+ days | 7+ days | |||||||||
Transfer fee 20 GBP Exchange rate(1 GBP JPY) 194.988 Exchange rate markup 192.99 GBP Cost of transfer 212.99 GBP | |||||||||||
 | 1,941,446 JPY- 38,179 JPY3-8 days | 3-8 days | |||||||||
Transfer fee 6.99 GBP Exchange rate(1 GBP JPY) 194.280 Exchange rate markup 228.58 GBP Cost of transfer 235.57 GBP | |||||||||||
 | 1,933,598 JPY- 46,027 JPYunavailable | unavailable | |||||||||
Transfer fee 0 GBP Exchange rate(1 GBP JPY) 193.360 Exchange rate markup 274.88 GBP Cost of transfer 274.88 GBP | |||||||||||
 | 1,892,807 JPY- 86,818 JPYwithin 3 days | within 3 days | |||||||||
Transfer fee 2.99 GBP Exchange rate(1 GBP JPY) 189.337 Exchange rate markup 477.19 GBP Cost of transfer 480.18 GBP | |||||||||||
 | 1,877,439 JPY- 102,186 JPY1 day | 1 day | |||||||||
Transfer fee 0 GBP Exchange rate(1 GBP JPY) 187.744 Exchange rate markup 557.33 GBP Cost of transfer 557.33 GBP | |||||||||||
 | 1,877,190 JPY- 102,435 JPY1 day | 1 day | |||||||||
Transfer fee 0 GBP Exchange rate(1 GBP JPY) 187.719 Exchange rate markup 558.58 GBP Cost of transfer 558.58 GBP | |||||||||||
Send money abroad from the UK in 3 easy steps
Enter amount to send in GBP.
Pay in GBP with your debit card or credit card, or send the money from your online banking.
Choose recipient.
Select who you want to send money to and which pay-out method to use.
Send GBP, receive JPY.
The recipient gets money in JPY directly from Wise’s local bank account.
Get dedicated support for large transfers
Moving big money? Get our how to guide and start a chat with our team of large-amount experts.
Get started with large transfersHow to send money abroad from the UK
How to send money abroad from the UK
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a bank transfer, swift or your debit or credit card.
- And that's it.
Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.
How much does it cost to send money abroad?
Pay a small, flat fee and percentage
To send money in GBP to JPY, you pay a small, flat fee of 1.56 GBP + 0.42% of the amount that's converted (you'll always see the total cost upfront). See our transfer calculator.
Fee depends on your chosen transfer type
Some transfer types have different fees which are usually tiny.
No hidden fees
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
How long will a money transfer take?
On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.
Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.
Your transfer route
Should arrive
by WednesdayHow to transfer money from the UK
Register for free.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Choose an amount to send.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Add recipient’s bank details.
Fill in the details of your recipient’s bank account.
Verify your identity.
For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
Pay for your transfer.
Send your money with a bank transfer, or a debit or credit card.
That’s it.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
Best ways to send money internationally
PISP
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.Credit Card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.Swift
Using SWIFT to fund your transfer usually means that your transfer will take longer and be more expensive, as your bank will charge a fee. You should also bear in mind that other correspondent banks in between may also deduct their handling fees. Your bank should be able to advise on those fees.Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Protecting you and your money
Safeguarded with leading banks
We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.
Extra-secure transactions
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
Data protection
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
Dedicated anti-fraud team
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
Send money abroad with the most international app
Looking for an app to send money abroad? Send money, receive payments from abroad, check exchange rates – all in one app.
- Cheaper transfers abroad - free from hidden fees and exchange rate markups.
- Check exchange rates - see on the app how exchange rates have changed over time.
- Repeat your previous transfers - save the details, and make your monthly payments easier.
Wise works nearly everywhere
See why customers choose Wise for their international money transfers
It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.
