Best way to send money to Japan?

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.

How much can I send to Japan online?

Yes, there are limits for how much you can send to Japan 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.

How long does it take to send money to Japan?

On many popular routes, Wise can send your money within one day, or even within seconds. Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.

How to transfer money to Japan 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.

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Send money to Japan

Fast, low-cost, and secure online money transfers from Hong Kong to Japan.

Send money from Japan to Hong Kong instead.

C&ED regulated

Learn more

Over 16 million customers

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You send exactly

0 HKD
22.89 HKDOur fee
–
22.89 HKDTotal fees

=
977.11 HKDTotal amount we’ll convert
×
18.9739

Recipient gets

Get started

Compare the best money transfer service to Japan

Sending 1,000.00 HKD with	Recipient gets(Total after fees)	Transfer fee	Exchange rate(1 HKD → JPY)
Cheapest	18,795 JPY	5.00 HKD	18.8890
	18,540 JPY- 255 JPY	22.89 HKD	18.9739Mid-market rate
	17,840 JPY- 954 JPY	50.00 HKD	18.7793
	17,459 JPY- 1,336 JPY	60.00 HKD	18.5730
	17,397 JPY- 1,397 JPY	38.99 HKD	18.1031
	16,981 JPY- 1,813 JPY	100.00 HKD	18.8679
	16,748 JPY- 2,047 JPY	115.00 HKD	18.9244
	14,622 JPY- 4,173 JPY	230.00 HKD	18.9894Mid-market rate
	10,988 JPY- 7,807 JPY	415.00 HKD	18.7829

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 Japan in 3 easy steps

icu.sendMoney.destination.easy.step.1.alt

Enter amount to send in HKD.

Pay in HKD with your debit card or credit card, or send the money from your online banking.

icu.sendMoney.destination.easy.step.2.alt

Choose recipient in Japan.

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

icu.sendMoney.destination.easy.step.3.alt

Send HKD, receive JPY.

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

Create free account now

What is the easiest way to send money with Wise?

How to send money to Japan from Hong Kong

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 Japan?

Pay a small, flat fee and percentage

To send money in HKD to Japan, you pay a small, flat fee of 17.13 HKD + 0.59% 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

17.13 HKD

Variable feeup to 957,073.00 HKD/month

0.59%

Variable feemore than 957,073.00 HKD/month

Discount applies

How long will a money transfer to Japan take?

A money transfer from Hong Kong (HKD) to Japan (JPY) should arrive by Monday. 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

HKD

JPY

Should arrive

by Monday

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

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 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.

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.