Send money with a debit card

Send money with a debit card from our website or mobile app, in just a few clicks. Join over 10 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
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  • 322 JPYOur fee
  • 641 JPYTotal fees
  • =
    9,359 JPYTotal amount we’ll convert
  • ÷
    159.805

Should arrive by Monday

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We charge as little as possible. No subscription

Sending 10,000 JPY withRecipient gets(Total after fees)
CheapestInstarem.
62.75 USD
Transfer fee
40 JPY
Exchange rate(1 USD JPY)
158.730
Exchange rate markup
0 JPY

Cost of transfer
0 JPY

Wise
60.56 USD- 2.19 USD
Transfer fee
323 JPY
Exchange rate(1 USD JPY)
159.805
Exchange rate markup
0 JPY

Cost of transfer
323 JPY

PayPal
57.06 USD- 5.69 USD
Transfer fee
499 JPY
Exchange rate(1 USD JPY)
166.500
Exchange rate markup
402 JPY

Cost of transfer
901 JPY

Western Union
52.52 USD- 10.23 USD
Transfer fee
1,480 JPY
Exchange rate(1 USD JPY)
162.214
Exchange rate markup
149 JPY

Cost of transfer
1,629 JPY

Rakuten 楽天銀行
51.29 USD- 11.46 USD
Transfer fee
1,750 JPY
Exchange rate(1 USD JPY)
160.835
Exchange rate markup
64 JPY

Cost of transfer
1,814 JPY

MUFG
24.86 USD- 37.89 USD
Transfer fee
6,000 JPY
Exchange rate(1 USD JPY)
160.905
Exchange rate markup
68 JPY

Cost of transfer
6,068 JPY
This applies when you pay in via bank transfer. How do we collect this data?
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How to send money with a debit card in 3 easy steps

What is Debit Card money transfer?

Making a debit card transfer is easy and convenient, and can come with speedy delivery times, too. You’ll see an estimate of your payment’s arrival time before you confirm your transfer - but paying by card can often be a fast way of getting your money moving.

You can make a debit card money transfer with Wise using a Visa or Mastercard debit card that’s issued in your name - or the name of your business if you hold a Wise Business account. Some Maestro debit cards are also supported - but unfortunately, you can’t make a Wise debit card money transfer using an American Express 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 debit 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 debit cards.

Online money transfer fees

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

To send money with a debit 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.

How long does a money transfer with a debit card take?

A money transfer with a debit card (JPY-USD) should arrive by Monday. Sometimes transfer times can differ based on currencies 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 Monday

Trust Wise with safe & secure money transfers

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.

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 why customers choose Wise for their international money transfers

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.