Send money online
Send money online from our website or mobile app, in just a few clicks.
Find out how much it costs to send money online
|Sending 200,000 JPY with||Recipient gets(Total after fees)||Transfer fee||Exchange rate(1 USD → JPY)|
|Cheapest||1,519.14 USDSave up to 79.86 USD||1,577 JPY||130.615Mid-market rate|
|1,506.49 USD- 12.65 USD||1,750 JPY||131.598|
|1,491.69 USD- 27.45 USD||3,500 JPY||131.730|
|1,473.33 USD- 45.81 USD||6,000 JPY||131.675|
|1,439.28 USD- 79.86 USD||499 JPY||138.611|
Send money online in 3 easy steps
Enter amount to send in JPY.
Pay in JPY 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 JPY, receive USD.
The recipient gets money in USD directly from Wise’s local bank account.
Wise is easy.
How to send money online
- 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.
Online money transfer fees
How much does it cost to send money online?
To send money online with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always shows you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
You can use our handy calculator to find out exactly how much will you pay for your transfer. The cost depends on where you will be sending money from and to, as well as on your chosen payment method.;
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Delivery time for online money transfers from Japan
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 arriveby Friday
Best ways to send money internationally
Bank TransferBank 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 CardPaying 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.
Wise works nearly everywhere
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.
Regulated by the KLFB in Japan as Type 2 Fund Transfer Business licensee
We’re regulated by authorities around the world. This includes the FCA in the UK and FinCEN in the US.
We make sure your money’s secure, and that Wise is financially stable. As we’re not a bank, your money isn’t FSCS protected — instead we safeguard it.
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
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.
Trustpilot score 4.4 out of 5, from 186,627 reviews
It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.Trustpilot.com. Read our reviews at