Send money to Japan

Fast, low-cost, and secure online money transfers from New Zealand to Japan.

DIA regulated
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Over 10 million customers
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  • 0 NZD
  • 8.88 NZDOur fee
  • 8.88 NZDTotal fees
  • =
    1,991.12 NZDTotal amount we’ll convert
  • ×
    91.1123

Should arrive by Tuesday, October 15

Get started

Save when you send money to Japan

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?
Sending 2,000 NZD withRecipient gets(Total after fees)
Wise
181,416 JPY
Transfer fee
8.88 NZD
Exchange rate(1 NZD JPY)
91.1123
Exchange rate markup
0 NZD

Cost of transfer
8.88 NZD

BNZ
179,376 JPY- 2,040 JPY
Transfer fee
0 NZD
Exchange rate(1 NZD JPY)
89.6878
Exchange rate markup
31.27 NZD

Cost of transfer
31.27 NZD

ANZ
177,794 JPY- 3,621 JPY
Transfer fee
5 NZD
Exchange rate(1 NZD JPY)
89.1200
Exchange rate markup
43.73 NZD

Cost of transfer
48.73 NZD

ASB
177,655 JPY- 3,761 JPY
Transfer fee
5 NZD
Exchange rate(1 NZD JPY)
89.0500
Exchange rate markup
45.27 NZD

Cost of transfer
50.27 NZD

PayPal
172,675 JPY- 8,740 JPY
Transfer fee
6.99 NZD
Exchange rate(1 NZD JPY)
86.6406
Exchange rate markup
98.16 NZD

Cost of transfer
105.15 NZD

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How to send money to Japan in 3 easy steps

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Get dedicated support for large transfers

Moving big money? Get our how to guide and start a chat with our team of large-amount experts.

Get started with large transfers

How to send money to Japan from New Zealand

How to send money to Japan from New Zealand

  1. Just tap in how much, and where to.
  2. Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
  3. 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 Japan?

Pay a small, flat fee and percentage

To send money in NZD to Japan, you pay a small, flat fee of 2.71 NZD + 0.31% 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.

Wise
Fees for our low cost transfers
Fixed fee
2.71 NZD
Variable feeup to 42,779 NZD/month
0.31%
Variable feemore than 42,779 NZD/month

How long will a money transfer to Japan take?

A money transfer from New Zealand (NZD) to Japan (JPY) should arrive by Tuesday, October 15. 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

NZD
JPY

Should arrive

by Tuesday, October 15

What you’ll need for your online money transfer to Japan

Best ways to send money to Japan

  • 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.
  • Credit Card

    Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
  • Apple Pay

    If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
  • Google Pay

    If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

Trust Wise with safe & secure money transfers to Japan

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.

Send money to Japan from New Zealand with the Wise app

Looking for an app to send money to Japan? Sending money is easy with Wise app.

  • Cheaper transfers abroad - free from hidden fees and exchange rate markups.
  • Check exchange rates - see on the app how exchange rates have changed over time.
  • Repeat your previous transfers - save the details, and make your monthly payments easier.
Learn more about the Wise app

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.

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