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Send money to the USA

Q: Best way to send money to the USA?

Choosing the right way to send money with Wise will largely depend on your payment method. Some payment methods are faster than others. Some can be instant, while others are cheaper.

Q: How much can I send to the USA online?

Yes, there are limits for how much you can send to the USA with us. They depend on which currencies you send to and from, and how you pay. You can check the limits for each currency in our help center articles or in our calculator . We’ll also let you know if you try to send too much at one time. If you’d like to send more than our limits allow, you can. You’ll just need to set up several transfers that are under the limits.

Q: How to transfer money to the USA online?

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. If you don't know their details, we can request them for you. 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 Depending on your currency combination and amount, supported payment methods can include bank transfer, debit or credit cards and others. 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.

Fast, low-cost, and secure online money transfers from Japan to the USA.

Send money from the USA to Japan instead.

Over 16 million customers

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KLFB regulated

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You send exactly

0 JPY
142 JPYOur fee
–
142 JPYTotal fees
=
9,858 JPYTotal amount we’ll convert
÷
147.195

Recipient gets

Get started

Compare the best money transfer service to the USA

Sending 10,000 JPY with	Recipient gets(Total after fees)	Transfer fee	Exchange rate(1 USD → JPY)
Cheapest	66.97 USDSave up to 39.96 USD	142 JPY	147.195Mid-market rate
	66.59 USD- 0.38 USD	200 JPY	147.179Mid-market rate
	61.76 USD- 5.21 USD	499 JPY	153.836
	55.64 USD- 11.33 USD	1,750 JPY	148.281
	27.01 USD- 39.96 USD	6,000 JPY	148.085

No hidden fees

We’re on a mission to bring transparency to finance, for people without borders. We charge as little as possible, and we always show you upfront. No hidden fees. No bad exchange rates. No surprises. How do we collect this data?

How to send money to the USA 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 in the USA.

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.

Create free account now

How to send money to the USA from Japan

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 transfer money to the USA?

Pay a small, flat fee and percentage

To send money in JPY to the USA, you pay a small, flat fee of 77 JPY + 0.62% of the amount that's converted (you'll always see the total cost upfront).

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.

Fixed fee

77 JPY

Variable feeup to 18,538,500 JPY/month

0.62%

Variable feemore than 18,538,500 JPY/month

Discount applies

How long will a money transfer to the USA take?

A money transfer from Japan (JPY) to the USA (USD) should arrive by Wednesday. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

JPY

USD

Should arrive

by Wednesday

What you’ll need for your online money transfer to the USA

Register for free.

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 to the USA

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.

Trust Wise with safe & secure money transfers to the USA

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.

Audited regularly

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.

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.

Online scams are on the rise. Learn how to stay safe.

See what the world’s largest publications have to say

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The Economist

Wise takes a machete to the hefty fees that banks levy to send money across borders