How do I send money from USA to Japan?

Compare 16 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

How much can I save by comparing providers to send money to Japan?

At USD 1,000, your recipient gets between JPY 137,762.80 and JPY 158,325.75, depending on the provider and how you send. Comparing can get them JPY 20,562.95 more on one transfer. Panda Remit gives the most today, paying by Debit Card, received in a Bank Account.

What is the USD to JPY exchange rate today?

The mid-market rate is JPY 157.9264 per USD. Providers' rates run from JPY 142.0235 to JPY 158.96.

Can I get a better rate than the mid-market USD to JPY rate?

Yes. Panda Remit, XE Money Transfer and Wise offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.

Exchange rate or fee: what matters more when you send money to Japan?

At USD 200, the typical fee is 2.00% of the amount, and the typical exchange rate has a markup of 1.40%. At USD 5,000, the typical fee is 0.07% of the amount, and the typical exchange rate has a markup of 1.69%. So the fee matters more on small transfers, and the exchange rate on large ones. Compare both: the cards above rank every way to send with both included.

Does sending more money to Japan lower the cost?

Yes. The typical total cost is 3.41% at USD 200, 2.33% at USD 1,000 and 2.10% at USD 5,000. Cambridge Currencies, Currency Solutions, Rutland FX and TorFX give a better exchange rate on larger transfers.

Is Debit Card cheaper than Credit Card for sending money to Japan?

Yes. At USD 1,000, paying by Debit Card has a typical total cost of 1.79%, compared with 5.33% paying by Credit Card. On USD 1,000, that difference is worth about JPY 5,589 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.

Is Bank Account cheaper than Cash Pickup for sending money to Japan?

Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 1.00%, compared with 3.79% receiving as Cash Pickup. On USD 1,000, that difference is worth about JPY 4,412 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.

How can I send cash to Japan from USA?

MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Japan. By published times, Cash Pickup can be ready instantly with MoneyGram.

What is the fastest way to send money to Japan?

By their published times, MoneyGram and Revolut deliver fastest, instantly.

Can I send money from USA to Japan instantly?

Yes. Three providers publish delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is JPY 158,325.75, with Panda Remit (paying by Debit Card, received in a Bank Account).

How much money can I send to Japan from USA?

Each provider sets its own limits. The lowest published maximum is USD 2,999, and 9 of 16 providers publish no maximum. Checks and the rules in both countries also apply.

Can I send money to Japan without fees?

Yes, with Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Regency FX, Revolut, Rutland FX, TorFX, Western Union and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

Which providers send money from USA to Japan?

RemitFinder compares 16 providers: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, MoneyGram, OFX, Panda Remit, Regency FX, Remitly, Revolut, Ria Money Transfer, Rutland FX, TorFX, Western Union, Wise and XE Money Transfer.

Which app is best to send money to Japan?

It depends on your amount and how you pay. RemitFinder compares 16 providers and ranks every way to send for the amount you enter.

Why do providers charge different amounts to send money to Japan?

Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send. At USD 1,000, none of the 6 providers that offer more than one way to pay change the rate with it.

Best Way to Send Money from USA to Japan: USD to JPY

Send money overseas with Taptap Send to take advantage of bank-beating exchange rates

📈 USA to Japan Money Transfer Snapshot Today

Most JPY received for USD 1,000 today: JPY 158,325.75 with Panda Remit (Debit Card → Bank Account)
Best USD to JPY exchange rate today: JPY 158.9600, offered by Panda Remit
Number of money transfer providers compared: 16 providers offering 45 ways to send
Exchange rate range: JPY 158.9600 to JPY 154.8224
Potential savings on USD 1,000: up to JPY 4,432.28, fees included
Zero fee transfers: 9 of 15 providers charge no fee for USD 1,000
Number of deals and promo codes: 6, all exclusive to RemitFinder
Mid-market^ⓘ The mid-market exchange rate (also called the interbank rate) is the real USD to JPY exchange rate before providers add their margin or fees. exchange rate: 1 USD = JPY 157.9264 (Updated about an hour ago)

See detailed USA to Japan money transfer comparison below.

USA to Japan money transfer providers that matched the search criteria

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💡What these rates mean for sending money to Japan from United States today

Compare top-rated money transfer providers to find the best way to remit money to Japan from United States. Check today's USD to JPY exchange rates and fees, read detailed provider reviews, and discover exclusive deals and promo codes.

RemitFinder compared 16 providers offering 45 ways to send for USA to Japan money transfers today. Here is what the competition looks like right now:

Today's Most Competitive Providers to Transfer Money to Japan from USA

🥇 Panda Remit with JPY 158,325.75 for USD 1,000 (most JPY received today).

🥈 Revolut offering JPY 157,853.00.

🥉 Regency FX & Airwallex are also offering good value on USD-JPY transfers today.

The 15 providers that accept USD 1,000 today offer exchange rates from JPY 154.8224 to JPY 158.9600. Once fees are included, a USD 1,000 transfer from USA to Japan delivers between JPY 153,893.47 and JPY 158,325.75. That means up to JPY 4,432.28 more for your recipient — simply by choosing the right provider.

How you pay matters too: paying by Credit Card instead of Bank Account costs JPY 8,711.86 more with Wise, for the same Bank Account delivery.

US Dollar to Japanese Yen exchange rates and fees change throughout the day, and top-ranked providers can change quickly. Even a small difference in the rate or fee can significantly change how much JPY your recipient receives in Japan.

Compare the providers above to maximize every USD you send to Japan. The provider that pays the most for US Dollar to Japanese Yen transfers changes daily, so comparing today matters.

🔄 Looking for the reverse corridor? Send money from Japan to USA instead.

Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from USA.

Sending money from USA to Japan: what today's data shows

RemitFinder compares 16 providers and 45 ways to send money from USA to Japan. The mid-market rate is JPY 157.9264 per USD. 10 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Japan from USA?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 16 providers offering 45 ways to send US Dollar (USD) to Japanese Yen (JPY).

💰 Most JPY received today, by amount sent:

You send	Top three providers: what your recipient gets
USD 200	Revolut JPY 31,570.60 Revolut Account → Revolut Account Regency FX JPY 31,553.69 Bank Account → Bank Account Airwallex JPY 31,526.74 Bank Account → Bank Account
USD 1,000	Panda Remit JPY 158,325.75 Debit Card → Bank Account Revolut JPY 157,853.00 Revolut Account → Revolut Account Regency FX JPY 157,768.47 Bank Account → Bank Account
USD 5,000	XE Money Transfer JPY 790,861.00 Bank Account → Bank Account Revolut JPY 789,265.00 Revolut Account → Revolut Account Regency FX JPY 788,842.37 Bank Account → Bank Account

Five providers rank in the top three at one or more of these amounts: Revolut, Regency FX, Airwallex, Panda Remit and XE Money Transfer.

At USD 1,000, the top three providers are Panda Remit, Revolut and Regency FX, giving JPY 158,325.75, JPY 157,853.00 and JPY 157,768.47 respectively. JPY 557.28 separates Panda Remit in first place from Regency FX in third.

The leaders change with the amount you send. Compare providers at your own amount: the cards above rank every way to send for it, fees included.

🔀 Ways to receive, with the most received at USD 1,000:

Receive by	Providers	Most received (top 3)
Bank Account	14	Panda Remit JPY 158,325.75 Regency FX JPY 157,768.47 Airwallex JPY 157,633.70
Cash Pickup	3	MoneyGram JPY 154,944.08 Ria Money Transfer JPY 153,893.47 Western Union JPY 142,023.50
Debit Card	1	Western Union JPY 154,243.20
Revolut Account	1	Revolut JPY 157,853.00

Bank Account is the most widely offered way to receive, with 14 providers, followed by Cash Pickup (3), Debit Card (1) and Revolut Account (1). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to JPY 158,325.75.

💱 How to get the best USD to JPY exchange rate?

The mid-market US Dollar to Japanese Yen rate today is JPY 157.9264 per USD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, USD 1,000 is JPY 157,926.40, and each 1% of markup costs about JPY 1,579.26.

📊 Rates run from JPY 142.0235 to JPY 158.96 per USD across all amounts. The top three rates are from Panda Remit (JPY 158.96 for transfers of USD 100 to USD 2,999), XE Money Transfer (JPY 158.394 for transfers of USD 500 to USD 500) and Wise (JPY 158.36 for transfers of USD 8.12 to USD 1,000,000).
📏 Typical markup: 0.13%. The median provider's best rate is 0.13% below the mid-market rate.
✅ 3 providers offer a rate above the mid-market rate on some amounts: Panda Remit, Wise and XE Money Transfer.
📈 Bigger transfers get better rates with 4 providers.
- Cambridge Currencies gives JPY 157.7685 per USD for transfers from USD 25,001, compared with JPY 157.5316 for transfers up to USD 5,000.
- Currency Solutions gives JPY 157.3737 per USD for transfers from USD 150,001, compared with JPY 156.742 for transfers up to USD 25,000.
- Rutland FX gives JPY 157.7685 per USD for transfers from USD 3,368, compared with JPY 157.5316 for transfers up to USD 3,366.65.
- TorFX gives JPY 157.6421 per USD for transfers from USD 200,001, compared with JPY 155.7154 for transfers up to USD 2,000.
💳 How you pay rarely changes the rate. At USD 1,000, 6 of the 6 providers that offer more than one way to pay give the same rate whichever you choose. Payment methods differ mostly in their fees.

How your recipient gets the money changes the rate. The median provider's best rate is 0.05% below the mid-market rate for money received by Revolut Account, 0.10% below it in a Bank Account, 1.97% below it as Cash Pickup and 2.33% below it on a Debit Card.

💸 What is the cheapest way to send money to Japan from USA?

At USD 1,000, the three cheapest providers today are Panda Remit (paying by Debit Card, received in a Bank Account), Revolut (paying by Revolut Account, received by Revolut Account) and Regency FX (paying from a Bank Account, received in a Bank Account). With these providers, your recipient gets JPY 158,325.75, JPY 157,853.00 and JPY 157,768.47 respectively.

💸 Total cost (fee + exchange-rate markup) by amount:

You send	Three cheapest providers (total cost)	Typical total cost
USD 200	Revolut 0.05% Regency FX 0.10% Airwallex 0.19%	3.41%
USD 1,000	Panda Remit −0.26% Revolut 0.05% Regency FX 0.10%	2.33%
USD 5,000	XE Money Transfer −0.16% Revolut 0.05% Regency FX 0.10%	2.10%

Below zero (−) is better than the mid-market rate^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

The typical total cost is 3.41% at USD 200, 2.33% at USD 1,000 and 2.10% at USD 5,000, so larger transfers cost less. At USD 1,000, one of the three cheapest providers has a total cost below zero, so your recipient gets more than at the mid-market rate.

Total cost is the fee plus the exchange-rate markup, as a share of the amount sent.

💳 Cheapest way to pay, at USD 1,000:

Pay with	Typical total cost	Cheapest providers
Bank Account	0.48%	Regency FX, Airwallex and Cambridge Currencies
ACH	1.69%	Panda Remit, XE Money Transfer and Western Union
Debit Card	1.79%	Panda Remit, XE Money Transfer and Wise
Cash	1.89%	MoneyGram
Apple Pay	2.62%	Western Union, Ria Money Transfer and Wise
Revolut Account	3.80%	Revolut
Google Pay	5.01%	Ria Money Transfer and Western Union
Credit Card	5.33%	XE Money Transfer, MoneyGram and Western Union

Paying from a Bank Account has the lowest typical total cost at USD 1,000 (0.48%), and paying by Credit Card the highest (5.33%). On USD 1,000, that difference is worth about JPY 7,665 more to your recipient.

🏦 Cheapest way to receive, at USD 1,000:

Receive by	Typical total cost	Cheapest providers
Revolut Account	0.05%	Revolut
Bank Account	1.00%	Panda Remit, Regency FX and Airwallex
Debit Card	2.33%	Western Union
Cash Pickup	3.79%	MoneyGram, Ria Money Transfer and Western Union

Receiving by Revolut Account has the lowest typical total cost at USD 1,000 (0.05%), and receiving as Cash Pickup the highest (3.79%). On USD 1,000, that difference is worth about JPY 5,917 more to your recipient.

🔗 Cheapest pay and receive combinations, at USD 1,000:

Pay with → Receive by	Typical total cost	Cheapest providers
Revolut Account → Revolut Account	0.05%	Revolut
Bank Account → Bank Account	0.39%	Regency FX, Airwallex and Cambridge Currencies
ACH → Bank Account	0.61%	Panda Remit, XE Money Transfer and Western Union
Debit Card → Bank Account	1.31%	Panda Remit, XE Money Transfer and Wise
Cash → Cash Pickup	1.89%	MoneyGram
Debit Card → Debit Card	2.33%	Western Union
Apple Pay → Debit Card	2.33%	Western Union
ACH → Debit Card	2.33%	Western Union
Bank Account → Cash Pickup	2.57%	Ria Money Transfer
Debit Card → Cash Pickup	2.62%	MoneyGram, Ria Money Transfer and Western Union
Apple Pay → Bank Account	4.04%	Western Union and Wise
Credit Card → Bank Account	4.69%	XE Money Transfer, Western Union and Wise
Google Pay → Bank Account	4.69%	Western Union
Credit Card → Debit Card	5.33%	Western Union
Google Pay → Debit Card	5.33%	Western Union
Credit Card → Cash Pickup	5.47%	MoneyGram, Ria Money Transfer and Western Union
Apple Pay → Cash Pickup	6.34%	Ria Money Transfer and Western Union
Revolut Account → Bank Account	7.55%	Revolut
Google Pay → Cash Pickup	7.84%	Ria Money Transfer and Western Union
ACH → Cash Pickup	10.07%	Western Union

The cheapest combination is paying by Revolut Account, received by Revolut Account, with a typical total cost of 0.05%. The most expensive is paying by ACH, received as Cash Pickup, at 10.07%.

On USD 1,000, your recipient typically gets JPY 157,853.00 with the cheapest combination and JPY 142,023.50 with the most expensive: JPY 15,829.50 more with the cheapest combination.

Choosing well is worth JPY 20,562.95 more on USD 1,000. The most your recipient can get today is JPY 158,325.75, and the least is JPY 137,762.80.

🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 4.87 is 2.43% of USD 200 but only 0.10% of USD 5,000.
🆓 10 providers charge no fee on some ways to send or some amounts: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Regency FX, Revolut, Rutland FX, TorFX, Western Union and XE Money Transfer.

🏦 How to send money from USA to Japan through a bank?

14 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 14 providers.

Bank Transfer or Card? At USD 1,000, the typical total cost is 0.48% paying from a Bank Account, 1.69% paying by ACH, 1.79% paying by Debit Card and 5.33% paying by Credit Card.

⏱️ Money typically arrives in a Bank Account in 2–4 days, and Panda Remit publishes delivery in about 15 minutes.
🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in Japan.

⚡ How to send money from USA to Japan fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup) and Revolut (Revolut Account).

Receive by	Typically	Fastest published (top 3)
Bank Account	2–4 days	Panda Remit about 15 minutes Wise about 2 hours Airwallex about 2 hours
Cash Pickup	within 2 hours	MoneyGram instant
Debit Card	1–2 days	not published
Revolut Account	within 30 minutes	Revolut instant

By the times providers publish, money can arrive in about 15 minutes in a Bank Account and instantly as Cash Pickup or by Revolut Account. Where no time is published, money typically arrives on a Debit Card in 1–2 days.

⚡ How you pay can change the speed. With one provider, money arrives in a Bank Account in about 15 minutes when you pay by Debit Card, compared with about 3 days when you pay by ACH.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.

🏆 Which are the best money transfer companies to send money to Japan from USA?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

🥇 Panda Remit, Revolut and Regency FX give your recipient the most on USD 1,000 today.
💱 Panda Remit, XE Money Transfer and Wise offer the highest exchange rates, from JPY 158.36 to JPY 158.96 per USD.
🔀 Western Union offers the most ways to send (15), followed by Ria Money Transfer (6) and Wise (4).
💵 MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Japan.
🆓 10 providers have no-fee options.
⚡ MoneyGram and Revolut publish the fastest delivery: instant.
🎁 5 providers have RemitFinder deals for this corridor.

📋 All 16 providers, by what your recipient gets for USD 1,000:

Provider	They receive	Ways
Panda Remit	JPY 158,325.75	2
Revolut	JPY 157,853.00	2
Regency FX	JPY 157,768.47	1
Airwallex	JPY 157,633.70	1
Cambridge Currencies	JPY 157,531.58	1
Rutland FX	JPY 157,531.58	1
Remitly	≈ JPY 157,440.04	1
OFX	≈ JPY 157,171.23	1
XE Money Transfer	JPY 156,968.40	4
Currency Solutions	JPY 156,741.95	1
Wise	JPY 156,512.26	4
TorFX	JPY 155,715.43	1
Western Union	JPY 155,251.60	15
MoneyGram	JPY 154,944.08	3
Ria Money Transfer	JPY 153,893.47	6
Key Currency	not at this amount	1

At USD 1,000, 15 of the 16 providers accept the transfer. Among them, your recipient gets between JPY 153,893.47 and JPY 158,325.75, and half of the providers give at least JPY 157,171.23.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

Airwallex USD to JPY exchange rate today

💱 Airwallex's US Dollar to Japanese Yen exchange rate is JPY 157.6337 per USD, 0.19% below the mid-market rate.
💸 Airwallex charges no fee.
🏦 With Airwallex, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With Airwallex, money arrives in a Bank Account in about 2 hours.
💰 On USD 1,000, your recipient gets JPY 157,633.70 with Airwallex (paying from a Bank Account, received in a Bank Account).

Cambridge Currencies USD to JPY exchange rate today

💱 Cambridge Currencies' US Dollar to Japanese Yen exchange rate runs from JPY 157.5316 to JPY 157.7685 per USD. Its best rate applies to transfers from USD 25,001 and is 0.10% below the mid-market rate.
💸 Cambridge Currencies charges no fee.
🏦 With Cambridge Currencies, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With Cambridge Currencies, money arrives in a Bank Account typically in 2–4 days.
💰 On USD 1,000, your recipient gets JPY 157,531.58 with Cambridge Currencies (paying from a Bank Account, received in a Bank Account).

Currency Solutions USD to JPY exchange rate today

💱 Currency Solutions' US Dollar to Japanese Yen exchange rate runs from JPY 156.742 to JPY 157.3737 per USD. Its best rate applies to transfers from USD 150,001 and is 0.35% below the mid-market rate.
💸 Currency Solutions charges no fee.
🏦 With Currency Solutions, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With Currency Solutions, money arrives in a Bank Account in about 1 day.
📏 Currency Solutions accepts transfers from USD 1,000 per transfer.
💰 On USD 1,000, your recipient gets JPY 156,741.95 with Currency Solutions (paying from a Bank Account, received in a Bank Account).

Key Currency USD to JPY exchange rate today

💱 Key Currency's US Dollar to Japanese Yen exchange rate is JPY 157.7685 per USD, 0.10% below the mid-market rate.
💸 Key Currency charges no fee.
🏦 With Key Currency, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With Key Currency, money arrives in a Bank Account typically in 2–4 days.
📏 Key Currency accepts transfers from USD 6,736 per transfer.

MoneyGram USD to JPY exchange rate today

💱 MoneyGram's US Dollar to Japanese Yen exchange rate runs from JPY 156.0501 to JPY 157.4619 per USD. Its best rate applies to transfers up to USD 1,000 and is 0.29% below the mid-market rate.
💸 MoneyGram charges 3.5% + USD 4.99 (3% + USD 4.99 from USD 700, 2.5% + USD 4.99 from USD 1,500) when you pay by Credit Card and 0.75% + USD 4.74 (1% + USD 3.99 from USD 300, 1% + USD 5.99 from USD 700.01) when you pay by Debit Card or in Cash.
🏦 With MoneyGram, you pay by Credit Card, by Debit Card or in Cash, and your recipient gets the money as Cash Pickup.
⏱️ With MoneyGram, money arrives as Cash Pickup instantly.
📏 MoneyGram accepts up to USD 6,350 per transfer.
💰 On USD 1,000, your recipient gets JPY 154,944.08 with MoneyGram (paying by Debit Card, received as Cash Pickup).

OFX USD to JPY exchange rate today

💱 OFX's US Dollar to Japanese Yen exchange rate is JPY 157.4008 per USD, 0.33% below the mid-market rate.
💸 OFX's fee is not published for USD to JPY transfers, so amounts here include an estimated fee.
🏦 With OFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With OFX, money arrives in a Bank Account typically in 2–4 days.
💰 On USD 1,000, your recipient gets about JPY 157,171.23 with OFX (paying from a Bank Account, received in a Bank Account).
🎁 RemitFinder exclusive for OFX: Get 10 free transfers.

Panda Remit USD to JPY exchange rate today

💱 Panda Remit's US Dollar to Japanese Yen exchange rate is JPY 158.96 per USD, 0.65% above the mid-market rate.
💸 Panda Remit charges USD 3.99.
🏦 With Panda Remit, you pay by Debit Card or by ACH, and your recipient gets the money in a Bank Account.
⏱️ With Panda Remit, money arrives in a Bank Account in about 15 minutes.
📏 Panda Remit accepts USD 100 to USD 2,999 per transfer.
💰 On USD 1,000, your recipient gets JPY 158,325.75 with Panda Remit (paying by Debit Card, received in a Bank Account).
🎁 RemitFinder exclusive for Panda Remit: Get 5 bucks off and zero fee.

Regency FX USD to JPY exchange rate today

💱 Regency FX's US Dollar to Japanese Yen exchange rate is JPY 157.7685 per USD, 0.10% below the mid-market rate.
💸 Regency FX charges no fee.
🏦 With Regency FX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With Regency FX, money arrives in a Bank Account typically in 2–4 days.
💰 On USD 1,000, your recipient gets JPY 157,768.47 with Regency FX (paying from a Bank Account, received in a Bank Account).

Remitly USD to JPY exchange rate today

💱 Remitly's US Dollar to Japanese Yen exchange rate is JPY 157.67 per USD, 0.16% below the mid-market rate.
💸 Remitly's fee is not published for USD to JPY transfers, so amounts here include an estimated fee.
🏦 With Remitly, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With Remitly, money arrives in a Bank Account typically in 2–4 days.
📏 Remitly accepts up to USD 20,000 per transfer.
💰 On USD 1,000, your recipient gets about JPY 157,440.04 with Remitly (paying from a Bank Account, received in a Bank Account).

Revolut USD to JPY exchange rate today

💱 Revolut's US Dollar to Japanese Yen exchange rate is JPY 157.853 per USD, 0.05% below the mid-market rate.
💸 When you pay by Revolut Account, Revolut charges USD 75 (0.15% from USD 50,000) when your recipient gets the money in a Bank Account and no fee when your recipient gets the money by Revolut Account.
🏦 With Revolut, you pay by Revolut Account, and your recipient gets the money in a Bank Account or by Revolut Account.
⏱️ With Revolut, money arrives in a Bank Account within 24 hours and by Revolut Account instantly.
📏 Revolut accepts USD 5.70 to USD 100,000 per transfer.
💰 On USD 1,000, your recipient gets JPY 157,853.00 with Revolut (paying by Revolut Account, received by Revolut Account).
🎁 RemitFinder exclusive for Revolut: Sign up and get USD 20.

Ria Money Transfer USD to JPY exchange rate today

💱 Ria Money Transfer's US Dollar to Japanese Yen exchange rate is JPY 154.8224 per USD, 1.97% below the mid-market rate.
💸 Ria Money Transfer's fee depends on how you pay and how much you send.
🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by PayNearMe, and your recipient gets the money as Cash Pickup.
⏱️ With Ria Money Transfer, money arrives as Cash Pickup typically within 2 hours.
📏 Ria Money Transfer accepts USD 100 to USD 29,999.99 per transfer.
💰 On USD 1,000, your recipient gets JPY 153,893.47 with Ria Money Transfer (paying from a Bank Account, received as Cash Pickup).

Rutland FX USD to JPY exchange rate today

💱 Rutland FX's US Dollar to Japanese Yen exchange rate runs from JPY 157.5316 to JPY 157.7685 per USD. Its best rate applies to transfers from USD 3,368 and is 0.10% below the mid-market rate.
💸 Rutland FX charges no fee.
🏦 With Rutland FX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With Rutland FX, money arrives in a Bank Account typically in 2–4 days.
💰 On USD 1,000, your recipient gets JPY 157,531.58 with Rutland FX (paying from a Bank Account, received in a Bank Account).

TorFX USD to JPY exchange rate today

💱 TorFX's US Dollar to Japanese Yen exchange rate runs from JPY 155.7154 to JPY 157.6421 per USD. Its best rate applies to transfers of USD 200,001 to USD 999,999,999 and is 0.18% below the mid-market rate.
💸 TorFX charges no fee.
🏦 With TorFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
⏱️ With TorFX, money arrives in a Bank Account typically in 2–4 days.
📏 TorFX accepts up to USD 999,999,999 per transfer.
💰 On USD 1,000, your recipient gets JPY 155,715.43 with TorFX (paying from a Bank Account, received in a Bank Account).

Western Union USD to JPY exchange rate today

💱 Western Union's US Dollar to Japanese Yen exchange rate runs from JPY 142.0235 to JPY 155.2516 per USD. Its best rate applies to all amounts and is 1.69% below the mid-market rate.
💸 Western Union charges 3% when you pay by Credit Card or with Google Pay and no fee when you pay by Debit Card, with Apple Pay or by ACH.
🏦 With Western Union, you pay by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by ACH, and your recipient gets the money in a Bank Account, as Cash Pickup or on a Debit Card.
⏱️ With Western Union, money arrives in a Bank Account typically in 2–4 days, as Cash Pickup typically within 2 hours and on a Debit Card typically in 1–2 days.
💰 On USD 1,000, your recipient gets JPY 155,251.60 with Western Union (paying by Debit Card, received in a Bank Account).
🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

Wise USD to JPY exchange rate today

💱 Wise's US Dollar to Japanese Yen exchange rate is JPY 158.36 per USD, 0.27% above the mid-market rate.
💸 Wise charges 0.36% + USD 8.08 (0.26% + USD 33.02 from USD 25,075.80) when you pay from a Bank Account, 6.48% + USD 1.87 when you pay by Credit Card or with Apple Pay and 1.58% + USD 1.98 when you pay by Debit Card.
🏦 With Wise, you pay from a Bank Account, by Credit Card, by Debit Card or with Apple Pay, and your recipient gets the money in a Bank Account.
⏱️ With Wise, money arrives in a Bank Account in about 2 hours.
📏 Wise accepts USD 2.01 to USD 1,000,000 per transfer.
💰 On USD 1,000, your recipient gets JPY 156,512.26 with Wise (paying from a Bank Account, received in a Bank Account).

XE Money Transfer USD to JPY exchange rate today

💱 XE Money Transfer's US Dollar to Japanese Yen exchange rate runs from JPY 156.9595 to JPY 158.394 per USD. Its best rate applies to transfers of USD 500 to USD 500 and is 0.30% above the mid-market rate.
💸 XE Money Transfer charges no fee when you pay from a Bank Account or by ACH, 3% when you pay by Credit Card and 0.5% when you pay by Debit Card.
🏦 With XE Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card or by ACH, and your recipient gets the money in a Bank Account.
⏱️ With XE Money Transfer, money arrives in a Bank Account typically in 2–4 days.
💰 On USD 1,000, your recipient gets JPY 156,968.40 with XE Money Transfer (paying from a Bank Account, received in a Bank Account).
🎁 RemitFinder exclusive for XE Money Transfer: Refer a friend to earn USD 25.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.

🪜 Step by step guide to send money from USA to Japan

Compare providers. RemitFinder lists 16 providers and 45 ways to send; the cards above rank them for your amount.
Choose how to pay. At USD 1,000, paying from a Bank Account has the lowest typical total cost (0.48%).
Choose how your recipient gets the money. Bank Account (14 providers), Cash Pickup (3 providers), Debit Card (1 provider) or Revolut Account (1 provider).
Check the limits. Published maximums start at USD 2,999 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
Sign up and verify your identity. Providers need ID before your first transfer.
Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Japan.
Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.

Frequently Asked Questions: Sending money to Japan from USA

These FAQs use data from RemitFinder's live comparison of 16 providers for USA to Japan money transfers.

How do I send money from USA to Japan?
Compare 16 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.
What is the best way to send money to Japan from USA?
At USD 1,000, Panda Remit, Revolut and Regency FX give your recipient the most today: JPY 158,325.75, JPY 157,853.00 and JPY 157,768.47 respectively. The best way changes with the amount, so compare at yours.
What is the cheapest way to send money to Japan?
At USD 1,000, the cheapest providers today are Panda Remit, Revolut and Regency FX. The cheapest combination is paying by Revolut Account, received by Revolut Account, with a typical total cost of 0.05%. 10 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.
How much can I save by comparing providers to send money to Japan?
At USD 1,000, your recipient gets between JPY 137,762.80 and JPY 158,325.75, depending on the provider and how you send. Comparing can get them JPY 20,562.95 more on one transfer. Panda Remit gives the most today, paying by Debit Card, received in a Bank Account.
What is the USD to JPY exchange rate today?
The mid-market rate is JPY 157.9264 per USD. Providers' rates run from JPY 142.0235 to JPY 158.96.
Can I get a better rate than the mid-market USD to JPY rate?
Yes. Panda Remit, XE Money Transfer and Wise offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.
Exchange rate or fee: what matters more when you send money to Japan?
At USD 200, the typical fee is 2.00% of the amount, and the typical exchange rate has a markup of 1.40%. At USD 5,000, the typical fee is 0.07% of the amount, and the typical exchange rate has a markup of 1.69%. So the fee matters more on small transfers, and the exchange rate on large ones. Compare both: the cards above rank every way to send with both included.
Does sending more money to Japan lower the cost?
Yes. The typical total cost is 3.41% at USD 200, 2.33% at USD 1,000 and 2.10% at USD 5,000. Cambridge Currencies, Currency Solutions, Rutland FX and TorFX give a better exchange rate on larger transfers.
Which payment method is cheapest for sending money from USA to Japan?
Paying from a Bank Account has the lowest typical total cost at USD 1,000 (0.48%), and paying by Credit Card the highest (5.33%). On USD 1,000, that difference is worth about JPY 7,665 more to your recipient. The providers giving your recipient the most when paying from a Bank Account are Regency FX, Airwallex and Cambridge Currencies.
Is Debit Card cheaper than Credit Card for sending money to Japan?
Yes. At USD 1,000, paying by Debit Card has a typical total cost of 1.79%, compared with 5.33% paying by Credit Card. On USD 1,000, that difference is worth about JPY 5,589 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.
Which delivery method is cheapest for sending money to Japan from USA?
Receiving by Revolut Account has the lowest typical total cost at USD 1,000 (0.05%), and receiving as Cash Pickup the highest (3.79%). On USD 1,000, that difference is worth about JPY 5,917 more to your recipient. The provider giving your recipient the most when receiving by Revolut Account is Revolut.
Is Bank Account cheaper than Cash Pickup for sending money to Japan?
Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 1.00%, compared with 3.79% receiving as Cash Pickup. On USD 1,000, that difference is worth about JPY 4,412 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.
How can I send cash to Japan from USA?
MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Japan. By published times, Cash Pickup can be ready instantly with MoneyGram.
What is the fastest way to send money to Japan?
By their published times, MoneyGram and Revolut deliver fastest, instantly.
Can I send money from USA to Japan instantly?
Yes. Three providers publish delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is JPY 158,325.75, with Panda Remit (paying by Debit Card, received in a Bank Account).
How much money can I send to Japan from USA?
Each provider sets its own limits. The lowest published maximum is USD 2,999, and 9 of 16 providers publish no maximum. Checks and the rules in both countries also apply.
Can I send money to Japan without fees?
Yes, with Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Regency FX, Revolut, Rutland FX, TorFX, Western Union and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.
Which providers send money from USA to Japan?
RemitFinder compares 16 providers: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, MoneyGram, OFX, Panda Remit, Regency FX, Remitly, Revolut, Ria Money Transfer, Rutland FX, TorFX, Western Union, Wise and XE Money Transfer.
Which app is best to send money to Japan?
It depends on your amount and how you pay. RemitFinder compares 16 providers and ranks every way to send for the amount you enter.
Why do providers charge different amounts to send money to Japan?
Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send. At USD 1,000, none of the 6 providers that offer more than one way to pay change the rate with it.

Latest Exchange Rates for Sending Money to Japan from USA

Here are some latest USD to JPY (US Dollar to Japanese Yen) exchange rates for popular conversion amounts*.

1 USD	157.93 JPY
5 USD	789.63 JPY
10 USD	1,579.26 JPY
25 USD	3,948.16 JPY
50 USD	7,896.32 JPY
100 USD	15,792.64 JPY
150 USD	23,688.96 JPY
200 USD	31,585.28 JPY
250 USD	39,481.60 JPY
300 USD	47,377.92 JPY
400 USD	63,170.56 JPY
500 USD	78,963.20 JPY
600 USD	94,755.84 JPY
700 USD	110,548.48 JPY
800 USD	126,341.12 JPY
1000 USD	157,926.40 JPY
1500 USD	236,889.60 JPY
2000 USD	315,852.80 JPY
2500 USD	394,816.00 JPY
3000 USD	473,779.20 JPY
4000 USD	631,705.60 JPY
5000 USD	789,632.00 JPY
10000 USD	1,579,264.00 JPY
15000 USD	2,368,896.00 JPY
20000 USD	3,158,528.00 JPY
30000 USD	4,737,792.00 JPY
40000 USD	6,317,056.00 JPY
50000 USD	7,896,320.00 JPY
100000 USD	15,792,640.00 JPY

*Based on the Mid-market Exchange Rate^ⓘ The mid-market exchange rate (also called the interbank rate) is the real USD to JPY exchange rate before providers add their margin or fees. . Actual payout may vary based on the chosen money transfer provider.

Best Way to Send Money to Japan from USA (USD to JPY)