Here you’ll find answers to the most common questions about Japanese yen (JPY) transfers.
Sending to JPY
Who can I send JPY to?
You can send JPY to bank accounts in Japan.
What information do I need about my recipient?
You’ll need their:
full name — this must match exactly what’s on their bank account
4–7 digit account number
account type — you can select either 普通 (Futsuu) current/general, 貯蓄 (Chochiku) savings, or 当座 (Touza) checking
bank name and branch — in English, Katakana, Kanji, or provide a bank or branch code
SWIFT/BIC — only for transfers over 1 million JPY
How much can I send?
The amount you can send depends on the currency you’re sending from, so check the relevant currency article for more information.
If you send more than 1 million JPY to Japan, we’ll send out the money by SWIFT. We’ll charge you a bit extra for this — you can see the fees here.
How long does it usually take for the money to arrive?
Once Wise receives and converts your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days.
We’ll always give you an estimate for how long your transfer will take when you set it up.
Learn more about how long transfers take
Is there any other information I need to know?
If you send over 1 million JPY, we use the SWIFT payment network. There may be extra charges.
Sending from JPY
How can I pay for my transfer from JPY?
You can pay by bank transfer or debit card. You can’t pay for a transfer from JPY by credit card.
How much can I send?
You can send up to 1 million JPY per transfer. This does not restrict the number of transfers you can make.
Where can I send from?
You can only send JPY to Wise from banks within Japan. You can’t send JPY by SWIFT.
How long does it usually take for the money to arrive?
It takes up to 2 working days for your money to get to us, depending on how you pay for your transfer. Then, we convert it and send it out. Conversion can take up to 2 working days.
Check the guide for the currency you’re sending to for an estimate on how long it will take to arrive in your recipient’s account after we send it out.
I’ve cancelled my payment, how long will my refund take?
We’ll let you know when we’ve refunded your money. The time it takes for you to get your refund depends on how you paid:
Japanese debit card payments take 2–10 working days
bank transfers take 1–2 working days
If you paid by bank transfer, we’ll need more information before sending your refund. We’ll send you an email about this.
Make sure to wait until the above time frame has passed before getting in touch about a refund — we’re not able to speed up the process.