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Send money with a credit card

Send money with a credit card from our website or mobile app, in just a few clicks. Join over 12.8 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
Read more
  • Low fees — fees get cheaper the more you send
  • Lightning fast — money typically arrives in seconds
  • Perfectly predictable — lock in an exchange rate for up to 48 hours
Open an account
 Rate guaranteed (24h)
  • Credit card fee
    Up to 30 JPY
  • Our fee
    269 JPY
Total included fees
299 JPY

Should arrive by Wednesday

Send money with a credit card

Send money with a credit card from our website or mobile app, in just a few clicks. Join over 12.8 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
Read more
  • Low fees — fees get cheaper the more you send
  • Lightning fast — money typically arrives in seconds
  • Perfectly predictable — lock in an exchange rate for up to 48 hours
Open an account
 Rate guaranteed (24h)
  • Credit card fee
    Up to 30 JPY
  • Our fee
    269 JPY
Total included fees
299 JPY

Should arrive by Wednesday

See how much it costs to send money abroad

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.

Send money now
Wise
Wise
PayPal
PayPal
Rakuten 楽天銀行
Rakuten
SMBC
SMBC

Recipient gets

(Total after fees)

66.63 USD62.75 USD56.44 USD44.49 USD

Exchange rate markup

0 JPY417 JPY73 JPY68 JPY

Exchange rate

(1 USDJPY)

145.105151.422146.169146.098

Transfer fee

331 JPY499 JPY1,750 JPY3,500 JPY

Total transfer cost

331 JPY916 JPY1,823 JPY3,568 JPY
Show more providers
This applies when you pay in via bank transfer. How do we collect this data?
  • We’re regulated in every available region
  • We help 12.8 million customers move £30bn every quarter, worldwide
  • Your transactions are extra-secure with our 2-factor authentication

How to send money with a credit card in 3 easy steps

How to send money with a credit card

  • Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
  • If your recipient has Wise, you can look them up on our network and send to them in seconds.
  • Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.
  • Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
  • Depending on how you pay, this usually takes seconds.
Send money now

How to send money with a credit card in 3 easy steps

How to send money with a credit card

  • Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
  • If your recipient has Wise, you can look them up on our network and send to them in seconds.
  • Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.
  • Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
  • Depending on how you pay, this usually takes seconds.
Send money now

How to send money with a credit card in 3 easy steps

How to send money with a credit card

  • Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
  • If your recipient has Wise, you can look them up on our network and send to them in seconds.
  • Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.
  • Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
  • Depending on how you pay, this usually takes seconds.
Send money now

What is Credit Card money transfer?

Making a credit card transfer is fast, convenient, and means you can spread the cost of your payment over a few months if you’d like to.

You can make a credit card money transfer with Wise using a Visa or Mastercard credit card that’s issued in your name - or the name of your business if you hold a Wise Business account. Unfortunately, you can’t make a Wise credit card money transfer using an American Express credit card.

Your card will need to have a 16 digit number, an expiry date, and be 3D security enabled - this helps us keep you and your money safe.

There are also a small number of other specific situations in which you can’t make a Wise credit card money transfer, depending on where your card was issued, where your Wise account is registered, and the payment you’re sending.

Learn more about using credit cards.

Online money transfer fees

How much does it cost to send money with a credit card?

To send money with a credit card with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Calculate how much you can save

Cheapest way to send money abroad from Japan

The cheapest way to send 1,000 JPY to USD is from a Wise balance and costs 170 JPY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

JPY

USD

Sending 1,000 JPYTransfer cost
Wise balance170 JPY
Bank transfer269 JPY
Debit card304 JPY

See where Wise works

How we keep your money safe

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.

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