Money & Remittance
【2026】International Remittance in Japan: Wise, PayPay & Bank Transfers Compared
There are several ways to send money from Japan abroad. Compare fees, exchange rates, and speed to find the best option.
① Comparison Table
| Service | Fees | Rate | Speed |
| Wise | ~0.4-1% | Mid-market | Hours to 1 day |
| Bank Transfer | ¥2,000-5,000 | Bank rate | 1-3 business days |
② Our Recommendation: Wise
Wise is usually the cheapest for small to medium transfers. It uses the mid-market exchange rate with very low fees.
💡 How to useInstall Wise app → Verify ID → Deposit JPY → Add recipient → Send
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