Who can I send Euro (EUR) to?

You can send Euro (EUR) to any SEPA country . You can also send Euro (EUR) to countries outside of the SEPA zone , but this might cost more.

What information do I need about my recipient?

You’ll need to know their full name and bank account number. In Europe, this is a code called an IBAN, and is between 14 and 34 digits long. Use our IBAN checker to make sure the IBAN you have is in the right format.

How much can I send to Europe?

You can send up to 6 million Euro (EUR) per transfer. Please keep in mind, if you want to send more than 1.2 million Euro (EUR), you’ll need to transfer it from your Wise account. This means: You’ll need to add the currency that you want to convert from, and the currency to convert to Euro (EUR). You’ll need to add money to your source currency. You can instantly convert the money to Euro (EUR) once it’s in your Wise account. Once the conversion is done, you can simply withdraw your money from your Wise account.

How long does a money transfer to Europe take?

Once Wise receives and converts your money, it usually takes 1–2 working days 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

Send money to Europe

Save on your online money transfer to Europe from Japan. Transfer Japanese yen to Euro quickly, safely and join over 14.8 million people using Wise.

Send money from Europe to Japan instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

by Friday 1:00 AM

Total fees

Included in JPY amount

You could save up to 7,508 JPY

Send money to Europe

Save on your online money transfer to Europe from Japan. Transfer Japanese yen to Euro quickly, safely and join over 14.8 million people using Wise.

Send money from Europe to Japan instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

by Friday 1:00 AM

Total fees

Included in JPY amount

You could save up to 7,508 JPY

Compare fees for when you send money to Europe

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

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Sending 200,000 JPY with	Recipient gets(Total after fees)
	1,085.37 EUR
Transfer fee 1,573 JPY Exchange rate(1 EUR JPY) 0.0055 Exchange rate markup 0 JPY Cost of transfer 1,573 JPY

	1,076.73 EUR- 8.64 EUR
Transfer fee 1,750 JPY Exchange rate(1 EUR JPY) 0.0054 Exchange rate markup 1,415 JPY Cost of transfer 3,165 JPY

	1,053.43 EUR- 31.94 EUR
Transfer fee 6,000 JPY Exchange rate(1 EUR JPY) 0.0054 Exchange rate markup 1,456 JPY Cost of transfer 7,456 JPY

	1,045.01 EUR- 40.36 EUR
Transfer fee 499 JPY Exchange rate(1 EUR JPY) 0.0052 Exchange rate markup 8,473 JPY Cost of transfer 8,972 JPY

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	Rakuten	MUFG Bank	PayPal
Recipient gets (Total after fees)	1,085.37 EUR	1,076.73 EUR	1,053.43 EUR	1,045.01 EUR
Exchange rate (1 EURJPY)	182.820	184.123	184.161	190.908
Exchange rate markup	0 JPY	1,415 JPY	1,456 JPY	8,473 JPY
Transfer fee	1,573 JPY	1,750 JPY	6,000 JPY	499 JPY
Total transfer cost	1,573 JPY	3,165 JPY	7,456 JPY	8,972 JPY

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This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Europe from Japan

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 in Europe.

Select who you want to send money to and which pay-out method to use.

Send JPY, receive EUR.

The recipient gets money in EUR directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Europe

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Europe with WISE

The best way to send Japanese yen to Euro is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
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
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.

Cheapest way to send money to Europe from Japan

The cheapest way to send 200,000 JPY to Europe is by using money that's in your Wise account and costs 1,479 JPY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

JPY

EUR

Sending 200,000 JPY	Transfer cost
Wise account	1,479 JPY

Bank transfer	1,573 JPY

Debit card	8,511 JPY

Fastest way to send money to Europe from Japan

Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

JPY

EUR

Sending 200,000 JPY	Should arrive
Wise account	in seconds

Bank transfer	by Friday 1:00 AM

Debit card	in seconds