The cheapest way to send money home from Japan is almost never your bank — licensed remittance apps move the same yen for a fraction of the cost, with the real difference hiding in the exchange-rate margin rather than the advertised fee. Setup takes a residence card and My Number once, transfers arrive in minutes to days, and the golden rule is to compare the amount received, not the fee charged. Informal hand-carry networks undercut nobody once confiscation and legal risk are priced in.
Key facts
- Specialist apps, typical total cost
- ~0.5–2% including FX margin
- Bank international wire
- ¥3,000–7,500 fees + wider FX margin
- One-time setup
- Residence card + My Number
- Per-transfer cap (most apps)
- ¥1,000,000
- What to compare
- Amount received, not the fee
Licensed remittance services at a glance (2026)
| Name | Features | Source |
|---|---|---|
| Wise | Mid-market rate plus a transparent fee, total around 0.5–1.5% · Mostly to bank accounts, fast, all in-app | Official site |
| SBIレミット (SBI Remit) | Fixed fees from a few hundred yen · Mature Asian corridors, convenience-store ATM funding | Official site |
| セブン銀行 海外送金 (Seven Bank) | Remittance built into the bank account, any 7-Eleven ATM · Western Union partnership, wide cash pickup | Official site |
| Western Union | The widest cash-pickup network worldwide · The option when family has no bank account | Official site |
| Smiles Mobile Remittance | App-based · Aggressive rates on Vietnam, Philippines, Indonesia and other Asian corridors, frequent promos | Official site |
| Brastel Remit | Veteran prepaid-style service · Convenience-store funding, long track record on Brazil and Philippines corridors | Official site |
| Kyodai Remittance | The community stalwart for Latin America (Brazil, Peru) · Physical counters, face-to-face service | Official site |
Where the cost actually hides
Every transfer has two prices: the fee printed in the app and the exchange-rate margin buried in the conversion. Specialist providers charge a visible few hundred yen and shave 0.5–1% on the rate; banks charge thousands in fees and take a wider margin. This is why the only honest comparison is done backwards — start from the same ¥100,000, and ask each service how much lands on the other side. The winner changes by corridor and by week, so people who remit monthly re-check a couple of apps each time rather than staying loyal.
Setting up the pipe
The one-time setup needs your Japanese bank account as the funding anchor, your residence card, and your My Number — providers must collect it by law, so treat the request as a good sign, not a red flag. Most licensed apps cap single transfers around ¥1,000,000, deliver to bank accounts, cash-pickup counters, or mobile wallets, and land in minutes to two days depending on the corridor. After registration, a monthly remittance is a two-minute phone task.
The channel to refuse
In every migrant community there’s an informal offer: someone collects yen here and pays out at home at a “better rate.” Refuse it. The unlicensed channel is illegal at both ends, has no recourse when the money disappears, and the collected accounts on the Japan side regularly surface in money-laundering prosecutions — the same trap as lending your bank account. The licensed route costs perhaps 1% more and comes with receipts — which themselves have value: a steady, documented record of supporting family is evidence that helps rather than haunts you at tax and visa time.
The licensed channels, by name
Everything in the table is registered with Japan’s FSA, and there is only one rule: for the same ¥100,000, open two or three of these apps and compare what actually lands on the other side — a cheap fee is usually recovered in the rate. Which one wins changes by corridor and by week: Wise and SBI Remit are the standing benchmarks, Smiles and Brastel fight hardest on Southeast Asian corridors, Seven Bank wins on pure convenience, and Western Union or Kyodai matter where family collects cash. The table reflects the 2024–2025 market; rates and corridors move constantly.
Japanese you will use on this page (tap ▶)
| 海外送金をしたいです。 Kaigai sōkin o shitai desu. I would like to send money overseas. | |
| 手数料はいくらですか。 Tesūryō wa ikura desu ka. How much is the fee? | |
| 在留カードはこれです。 Zairyū kādo wa kore desu. Here is my residence card. | |
| 国外の家族を扶養に入れたいです。 Kokugai no kazoku o fuyō ni iretai desu. I want to claim family overseas as dependents. |
Audio synthesized with VOICEVOX:Meimei Himari at standard pace for shadowing; real conversations run faster and carry accents.
Common mistakes & warnings
- Never use informal money carriers or "someone in the community who sends cheap" — these unlicensed channels are illegal on both ends, offer zero recourse when money vanishes, and using them can implicate you in someone else's money-laundering case.
- The advertised "zero fee" is usually recovered in the exchange rate — a 2% FX margin on a ¥100,000 transfer quietly costs ¥2,000. Always compare the final amount your family receives from the same yen.
- Keep transfer receipts — a consistent remittance record supports dependents' visa applications, and unexplained large flows in either direction attract compliance reviews on your Japanese account.
Frequently asked questions
What do I need before my first transfer?
A Japanese bank account, your residence card, and your My Number — remittance providers are legally required to collect it. Registration is a one-time step of a day or two; after that, transfers are minutes of phone work.
Why not just use my bank?
A megabank wire costs ¥3,000–7,500 in named fees, takes days, often requires counter visits, and applies a wider exchange margin on top. Licensed apps move the same money for a fraction of that — banks make sense mainly for very large sums above app limits.
Is there tax on money I send home?
Japan doesn't tax outbound remittances of your own earned income — the money was already taxed as salary. Two caveats — large transfers may prompt your bank to ask the purpose, which is routine, and the recipient country's gift or income rules are a separate question worth checking locally.
Official sources
- FSA — registered fund transfer service providers (2026-07-17)
This page provides general information only and is not legal advice. Immigration rules change; always confirm details with the official sources listed above before making decisions.