How to send money to Japan from Australia with the best AUD-JPY rate

Of the 11 companies we analysed, Revolut is the cheapest app overall for sending A$2,000 to Japan, giving your recipient 218,142 JPY.

Best companies for AUD/JPY transfers

11 of 11 providers

Last updated on 10 November 2026

Based on 2,000 AUD transfer

Best companies for AUD/JPY transfers

Sort Cheapest
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Wise

Pay via Bank Transfer
Fees: $10.13 1 AUD = 109.4460 JPY +0.01% vs mid-market Recipient gets ¥217,783.00 Same day
Receive to bank accountDedicated support for large transfers

Ways to receive money in Japan with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$10.131 AUD = 109.4460 JPY
¥217,783.00You pay$2,000.00
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Xe

Pay via Debit Card
Fees: $0.00 1 AUD = 108.8532 JPY +0.55% vs mid-market Recipient gets ¥217,706.40 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in Japan with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 108.8532 JPY
¥217,706.40You pay$2,000.00

Run a live search

Showing top Australia to Japan deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.
Pricing based on Revolut Standard plan

Revolut

Pay via Bank Transfer
Fees: $3.00 1 AUD = 109.2351 JPY +0.20% vs mid-market Recipient gets ¥218,142.00 Within 3 hours
Cheapest
Receive to bank account

Ways to receive money in Japan with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin 3 hours
$3.001 AUD = 109.2351 JPY
¥218,142.00You pay$2,000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Wise

Pay via Bank Transfer
Fees: $10.13 1 AUD = 109.4460 JPY +0.01% vs mid-market Recipient gets ¥217,783.00 Same day
Our top pick
Receive to bank accountDedicated support for large transfers

Ways to receive money in Japan with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$10.131 AUD = 109.4460 JPY
¥217,783.00You pay$2,000.00

Wise

Pay via Osko
Fees: $10.13 1 AUD = 109.4460 JPY +0.01% vs mid-market Recipient gets ¥217,783.00 Same day
Receive to bank accountDedicated support for large transfers

Ways to receive money in Japan with Wise when paying by osko.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$10.131 AUD = 109.4460 JPY
¥217,783.00You pay$2,000.00

Xe

Pay via Debit Card
Fees: $0.00 1 AUD = 108.8532 JPY +0.55% vs mid-market Recipient gets ¥217,706.40 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in Japan with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 108.8532 JPY
¥217,706.40You pay$2,000.00

Xe

Pay via Bank Transfer
Fees: $0.00 1 AUD = 108.8532 JPY +0.55% vs mid-market Recipient gets ¥217,706.40 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in Japan with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 108.8532 JPY
¥217,706.40You pay$2,000.00

Xe

Pay via Credit Card
Fees: $0.00 1 AUD = 108.8532 JPY +0.55% vs mid-market Recipient gets ¥217,706.40 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in Japan with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 108.8532 JPY
¥217,706.40You pay$2,000.00

Western Union

Pay via Debit Card
Fees: $0.00 1 AUD = 108.7878 JPY +0.61% vs mid-market Recipient gets ¥217,576.00 Next Day
Receive to bank account or cash pickup

Ways to receive money in Japan with Western Union when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 AUD = 108.7878 JPY
¥217,576.00You pay$2,000.00

Western Union

Pay via Bank Transfer
Fees: $0.00 1 AUD = 108.7878 JPY +0.61% vs mid-market Recipient gets ¥217,576.00 Next Day
Receive to bank account or cash pickup

Ways to receive money in Japan with Western Union when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 AUD = 108.7878 JPY
¥217,576.00You pay$2,000.00

OFX

Pay via Bank Transfer
Fees: $0.00 1 AUD = 108.7430 JPY +0.65% vs mid-market Recipient gets ¥217,485.98 6-12 Hours
Receive to bank account

Ways to receive money in Japan with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 108.7430 JPY
¥217,485.98You pay$2,000.00

Wise

Pay via Debit Card
Fees: $15.66 1 AUD = 109.4460 JPY +0.01% vs mid-market Recipient gets ¥217,178.00 Same day
Receive to bank accountDedicated support for large transfers

Ways to receive money in Japan with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$15.661 AUD = 109.4460 JPY
¥217,178.00You pay$2,000.00

Remitly

Pay via Debit Card
Fees: $0.00 1 AUD = 108.0400 JPY +1.30% vs mid-market Recipient gets ¥216,080.00 Within minutes
Fastest
Receive to bank account or cash pickup

Ways to receive money in Japan with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 AUD = 108.0400 JPY
¥216,080.00You pay$2,000.00

Remitly

Pay via Credit Card
Fees: $0.00 1 AUD = 108.0400 JPY +1.30% vs mid-market Recipient gets ¥216,080.00 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Japan with Remitly when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 AUD = 108.0400 JPY
¥216,080.00You pay$2,000.00

Remitly

Pay via Bank Transfer
Fees: $0.00 1 AUD = 108.0400 JPY +1.30% vs mid-market Recipient gets ¥216,080.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Japan with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 AUD = 108.0400 JPY
¥216,080.00You pay$2,000.00

Remitly

Pay via PayTo
Fees: $0.00 1 AUD = 108.0400 JPY +1.30% vs mid-market Recipient gets ¥216,080.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Japan with Remitly when paying by payto.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 AUD = 108.0400 JPY
¥216,080.00You pay$2,000.00

Panda Remit

Pay via Bank Transfer
Fees: $5.99 1 AUD = 108.2070 JPY +1.15% vs mid-market Recipient gets ¥215,765.84 6-12 Hours
0 reviews

Ways to receive money in Japan with Panda Remit when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$5.991 AUD = 108.2070 JPY
¥215,765.84You pay$2,000.00

Wise

Pay via Credit Card
Fees: $29.17 1 AUD = 109.4460 JPY +0.01% vs mid-market Recipient gets ¥215,699.00 Same day
Receive to bank accountDedicated support for large transfers

Ways to receive money in Japan with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$29.171 AUD = 109.4460 JPY
¥215,699.00You pay$2,000.00

Ria Money Transfer

Pay via Credit Card
Fees: $2.89 1 AUD = 107.8028 JPY +1.52% vs mid-market Recipient gets ¥215,294.07 6-12 Hours

Ways to receive money in Japan with Ria Money Transfer when paying by credit card.

MethodFee & ratesRecipient gets
Cash pickup6-12 Hours
$2.891 AUD = 107.8028 JPY
¥215,294.07You pay$2,000.00

Ria Money Transfer

Pay via Debit Card
Fees: $2.89 1 AUD = 107.8028 JPY +1.52% vs mid-market Recipient gets ¥215,294.07 6-12 Hours

Ways to receive money in Japan with Ria Money Transfer when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickup6-12 Hours
$2.891 AUD = 107.8028 JPY
¥215,294.07You pay$2,000.00

Ria Money Transfer

Pay via PayID
Fees: $2.89 1 AUD = 107.8028 JPY +1.52% vs mid-market Recipient gets ¥215,294.07 6-12 Hours

Ways to receive money in Japan with Ria Money Transfer when paying by payid.

MethodFee & ratesRecipient gets
Cash pickup6-12 Hours
$2.891 AUD = 107.8028 JPY
¥215,294.07You pay$2,000.00

Moneycorp

Pay via Bank Transfer
Fees: $0.00 1 AUD = 107.4843 JPY +1.80% vs mid-market Recipient gets ¥214,968.53 Next Day

Ways to receive money in Japan with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 AUD = 107.4843 JPY
¥214,968.53You pay$2,000.00

NAB

Pay via Bank Transfer
Fees: $0.00 1 AUD = 106.6642 JPY +2.58% vs mid-market Recipient gets ¥213,328.00 3-5 Days
0 reviews

Ways to receive money in Japan with NAB when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit3-5 Days
Free1 AUD = 106.6642 JPY
¥213,328.00You pay$2,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit Card
Fees: $3.99 1 AUD = 105.4619 JPY +3.72% vs mid-market Recipient gets ¥210,923.80 6-12 Hours

Ways to receive money in Japan with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickup6-12 Hours
$3.991 AUD = 105.4619 JPY
¥210,923.80You pay$2,003.99
$0 fee on first online transfers

MoneyGram

Pay via POLi
Fees: $3.99 1 AUD = 105.4619 JPY +3.72% vs mid-market Recipient gets ¥210,923.80 6-12 Hours

Ways to receive money in Japan with MoneyGram when paying by poli.

MethodFee & ratesRecipient gets
Cash pickup6-12 Hours
$3.991 AUD = 105.4619 JPY
¥210,923.80You pay$2,003.99
$0 fee on first online transfers

MoneyGram

Pay via Credit Card
Fees: $3.99 1 AUD = 105.4619 JPY +3.72% vs mid-market Recipient gets ¥210,923.80 6-12 Hours

Ways to receive money in Japan with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Cash pickup6-12 Hours
$3.991 AUD = 105.4619 JPY
¥210,923.80You pay$2,003.99
How Our Results Work
Mid-market rate: 1 AUD = 109.4544 JPY Updates every 60 minutes.

How to send money from Australia to Japan

Pick a company

Start with the cheapest, which is Revolut at 218,142 JPY on A$2,000.

Revolut was the cheapest on 11 of the 26 days it quoted A$2,000 transfers to Japan.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 7 ways to pay, including bank transfer, debit card, credit card, osko, PayTo, PayID, and POLi.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Japan?

How much AUD you send to Japan heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Revolut was the cheapest in 40% of the transfers up to A$2,000 it quoted, and in 13% of all the transfers it quoted.

Cheapest service
$1,0000.28%$2.05¥108,921.00with bank transfer to bank deposit+¥1,094.03
$1,5000.05%$0.00¥164,086.14with debit card to bank deposit+¥2,109.46
$2,000This page0.20%$3.00¥218,142.00with bank transfer to bank deposit+¥2,334.58
$3,0000.17%$0.00¥327,410.64with debit card to bank deposit+¥3,714.99
$7,5000.14%$0.00¥819,785.32with debit card to bank deposit+¥8,022.24
$12,0000.25%$0.00¥1,310,061.99with bank transfer to bank deposit+¥11,478.39
$15,0000.25%$0.00¥1,637,577.49with bank transfer to bank deposit+¥14,241.46
$50,0000.20%$0.00¥5,461,300.61with bank transfer to bank deposit+¥50,160.00
$100,0000.20%$0.00¥10,910,824.62with bank transfer to bank deposit+¥97,306.30
$250,0000.15%$0.00¥27,323,008.17with bank transfer to bank deposit+¥253,795.75
$500,0000.15%$0.00¥54,608,471.24with bank transfer to bank deposit+¥134,084.52

Mid-market rate: 1 AUD = 109.4544 JPY

AUD/JPY Exchange Rate History

Is today a good time to send money from Australia to Japan?

The cheapest way to send AUD to JPY can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Revolut), across 30 days of comparisons for 2,000 AUD transfers to Japan.

JPY received for $2,000, after fees

Tue, 10 Nov 2026Mid-market rate¥218,908.89 Revolut ¥218,142.00 NAB ¥213,328.00Revolut¥218,142.00Wise¥217,783.00Xe¥217,706.40Extra cost of a bank¥4,814.00

210,000
212,000
214,000
216,000
218,000
220,000
222,000
224,000
At the mid-market rateWith the cheapest optionWith a bankRevolutWiseXe
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.5145 – ¥221,029.02
Revolut Cheapest 110.3187 $3.00 ¥220,306.00 −¥723.02
Wise 110.5200 $10.13 ¥219,920.00 −¥1,109.02
Xe 109.9064 $0.00 ¥219,812.70 −¥1,216.32
NAB 107.7233 $0.00 ¥215,447.00 −¥5,582.02
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.2017 – ¥220,403.36
Revolut Cheapest 110.0012 $3.00 ¥219,672.00 −¥731.36
Wise 110.2060 $10.13 ¥219,296.00 −¥1,107.36
Xe 108.7518 $0.00 ¥217,503.64 −¥2,899.72
NAB 107.4449 $0.00 ¥214,890.00 −¥5,513.36
Exchange rateFees:Recipient getsDifference
Mid-market rate – – –
Revolut Cheapest 110.7040 $3.00 ¥221,075.00 –
Wise 110.9120 $10.13 ¥220,700.00 –
Xe 109.4568 $0.00 ¥218,913.52 –
NAB 108.0916 $0.00 ¥216,183.00 –
Exchange rateFees:Recipient getsDifference
Mid-market rate 109.6336 – ¥219,267.16
Western Union Cheapest 109.7740 $0.00 ¥219,548.00 +¥280.84
Revolut 109.4266 $3.00 ¥218,524.00 −¥743.16
Wise 109.6240 $10.13 ¥218,138.00 −¥1,129.16
Xe 109.0386 $0.00 ¥218,077.26 −¥1,189.90
NAB 108.0916 $0.00 ¥216,183.00 −¥3,084.16
Exchange rateFees:Recipient getsDifference
Mid-market rate 109.8445 – ¥219,689.00
Wise Cheapest 109.8530 $10.13 ¥218,593.00 −¥1,096.00
Xe 108.4313 $0.00 ¥216,862.50 −¥2,826.50
Revolut No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate – – –
Wise Cheapest 109.7430 $10.13 ¥218,374.00 –
Revolut 109.2204 $23.00 ¥215,928.00 –
Xe 106.8861 $0.00 ¥213,772.22 –
NAB 106.4180 $0.00 ¥212,836.00 –
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.0417 – ¥220,083.33
OFX Cheapest 109.3264 $0.00 ¥218,652.79 −¥1,430.54
Wise 109.7430 $10.13 ¥218,374.00 −¥1,709.33
Revolut 109.2204 $23.00 ¥215,928.00 −¥4,155.33
Xe 107.6935 $0.00 ¥215,386.92 −¥4,696.41
NAB 106.4180 $0.00 ¥212,836.00 −¥7,247.33
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.3162 – ¥220,632.31
Revolut Cheapest 110.0955 $3.00 ¥219,860.00 −¥772.31
Wise 110.3120 $10.13 ¥219,507.00 −¥1,125.31
Xe 108.8568 $0.00 ¥217,713.70 −¥2,918.61
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.5877 – ¥221,175.45
Wise Cheapest 110.5980 $10.13 ¥220,076.00 −¥1,099.45
Xe 109.1747 $0.00 ¥218,349.36 −¥2,826.09
NAB 107.9005 $0.00 ¥215,801.00 −¥5,374.45
Revolut No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.9823 – ¥221,964.67
Revolut Cheapest 110.7879 $3.00 ¥221,243.00 −¥721.67
Wise 110.9940 $10.13 ¥220,864.00 −¥1,100.67
NAB 108.2585 $0.00 ¥216,517.00 −¥5,447.67
Xe No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.2243 – ¥220,448.53
Revolut Cheapest 110.0083 $3.00 ¥219,686.00 −¥762.53
Wise No quote collected this day – – – –
Xe No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.2017 – ¥220,403.34
Revolut Cheapest 110.0192 $3.00 ¥219,708.00 −¥695.34
Wise 110.2100 $10.13 ¥219,304.00 −¥1,099.34
Xe 108.7639 $0.00 ¥217,527.78 −¥2,875.56
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 109.4258 – ¥218,851.59
OFX Cheapest 108.7145 $0.00 ¥217,429.05 −¥1,422.54
Revolut 109.8445 $23.00 ¥217,162.00 −¥1,689.59
Wise No quote collected this day – – – –
Xe No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 109.4258 – ¥218,851.59
Wise Cheapest 110.3480 $10.13 ¥219,578.00 +¥726.41
Revolut 109.8445 $23.00 ¥217,162.00 −¥1,689.59
Xe 107.4324 $0.00 ¥214,864.80 −¥3,986.79
NAB 106.9000 $0.00 ¥213,800.00 −¥5,051.59
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.4025 – ¥220,805.08
Revolut Cheapest 110.1795 $3.00 ¥220,028.00 −¥777.08
Wise 110.4020 $10.13 ¥219,686.00 −¥1,119.08
Xe 108.9626 $0.00 ¥217,925.16 −¥2,879.92
NAB 107.5629 $0.00 ¥215,126.00 −¥5,679.08
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.6930 – ¥221,386.00
Revolut Cheapest 110.4578 $3.00 ¥220,584.00 −¥802.00
Wise 110.7080 $10.13 ¥220,295.00 −¥1,091.00
Xe 110.0445 $0.00 ¥220,088.92 −¥1,297.08
NAB 107.8332 $0.00 ¥215,666.00 −¥5,720.00
Exchange rateFees:Recipient getsDifference
Mid-market rate 111.0849 – ¥222,169.76
Wise Cheapest 111.0840 $10.13 ¥221,043.00 −¥1,126.76
Revolut No quote collected this day – – – –
Xe No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 111.2060 – ¥222,411.97
Xe Cheapest 111.1723 $0.00 ¥222,344.64 −¥67.33
Revolut 111.0179 $3.00 ¥221,702.00 −¥709.97
Wise 111.2130 $10.13 ¥221,299.00 −¥1,112.97
NAB 108.3094 $0.00 ¥216,619.00 −¥5,792.97
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.6832 – ¥221,366.46
Revolut Cheapest 110.4837 $3.00 ¥220,636.00 −¥730.46
Wise 110.6950 $10.13 ¥220,269.00 −¥1,097.46
Xe No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.7507 – ¥221,501.35
Wise Cheapest 110.8140 $10.13 ¥220,505.00 −¥996.35
Revolut 110.3115 $23.00 ¥218,085.00 −¥3,416.35
Xe 108.7102 $0.00 ¥217,420.36 −¥4,080.99
NAB 107.3790 $0.00 ¥214,758.00 −¥6,743.35
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.7507 – ¥221,501.35
Wise Cheapest 110.8140 $10.13 ¥220,505.00 −¥996.35
Revolut 110.3115 $23.00 ¥218,085.00 −¥3,416.35
Xe 108.7836 $0.00 ¥217,567.18 −¥3,934.17
NAB 107.3600 $0.00 ¥214,720.00 −¥6,781.35
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.7821 – ¥221,564.23
Xe Cheapest 110.7138 $0.00 ¥221,427.60 −¥136.63
Revolut 110.5773 $3.00 ¥220,822.00 −¥742.23
Wise 110.8000 $10.13 ¥220,478.00 −¥1,086.23
NAB 107.3600 $0.00 ¥214,720.00 −¥6,844.23
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.1905 – ¥220,381.09
Western Union Cheapest 109.9051 $0.00 ¥219,811.00 −¥570.09
Revolut 109.9997 $3.00 ¥219,669.00 −¥712.09
Wise 110.1800 $10.13 ¥219,244.00 −¥1,137.09
Xe 109.5902 $0.00 ¥219,180.44 −¥1,200.65
NAB 107.3910 $0.00 ¥214,782.00 −¥5,599.09
Exchange rateFees:Recipient getsDifference
Mid-market rate – – –
Xe Cheapest 110.4044 $0.00 ¥220,808.88 –
Revolut 110.2631 $3.00 ¥220,195.00 –
Wise 110.4770 $10.13 ¥219,835.00 –
NAB 107.3910 $0.00 ¥214,782.00 –
Exchange rateFees:Recipient getsDifference
Mid-market rate 110.8721 – ¥221,744.20
Xe Cheapest 110.8379 $0.00 ¥221,675.78 −¥68.42
Revolut 110.6735 $3.00 ¥221,015.00 −¥729.20
Wise 110.8530 $10.13 ¥220,583.00 −¥1,161.20
NAB 108.2380 $0.00 ¥216,476.00 −¥5,268.20
Exchange rateFees:Recipient getsDifference
Mid-market rate 108.7484 – ¥217,496.88
Panda Remit Cheapest 110.0121 $5.99 ¥219,365.23 +¥1,868.35
Xe 108.6666 $0.00 ¥217,333.20 −¥163.68
Revolut 108.5358 $3.00 ¥216,745.00 −¥751.88
Wise 108.7410 $10.13 ¥216,380.00 −¥1,116.88
NAB 105.9145 $0.00 ¥211,829.00 −¥5,667.88
Exchange rateFees:Recipient getsDifference
Mid-market rate 108.9564 – ¥217,912.71
OFX Cheapest 108.2481 $0.00 ¥216,496.28 −¥1,416.43
Revolut 108.3005 $23.00 ¥214,110.00 −¥3,802.71
Wise No quote collected this day – – – –
Xe No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 109.1259 – ¥218,251.81
OFX Cheapest 108.4166 $0.00 ¥216,833.17 −¥1,418.64
Wise 108.8200 $10.13 ¥216,538.00 −¥1,713.81
Revolut 108.3005 $23.00 ¥214,110.00 −¥4,141.81
NAB 105.3900 $0.00 ¥210,780.00 −¥7,471.81
Xe No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 108.9403 – ¥217,880.51
Wise Cheapest 108.9410 $10.13 ¥216,778.00 −¥1,102.51
Revolut No quote collected this day – – – –
Xe No quote collected this day – – – –
Bank No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 109.4544 – ¥218,908.89
Revolut Cheapest 109.2351 $3.00 ¥218,142.00 −¥766.89
Wise 109.4460 $10.13 ¥217,783.00 −¥1,125.89
Xe 108.8532 $0.00 ¥217,706.40 −¥1,202.49
NAB 106.6642 $0.00 ¥213,328.00 −¥5,580.89

Exchange rateFees:Recipient getsDifference

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more JPY per AUD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 3 of the last 30 days.

Right now, Revolut pays 218,142 JPY on 2,000 AUD, which is 766.89 JPY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 222,344.64 JPY.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Japan.

We've tracked 329 comparisons to check how often today's top companies were the cheapest across 11 amounts over the past month.

  1. RevolutAppeared in 280 comparisons

    Cheapest in 13% of them

  2. WiseAppeared in 305 comparisons

    Cheapest in 17% of them

  3. XeAppeared in 259 comparisons

    Cheapest in 14% of them

  4. NABAppeared in 103 comparisons

    Never the cheapest

Based on 329 comparisons across 11 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Revolut is the cheapest and gets you the most JPY, but it was the cheapest in only 13% of the 280 comparisons it appeared in over the past month.

Wise (today's second cheapest) was the cheapest in only 17% of its comparisons, so it's rarely the cheapest option for transfers to Japan.

If it's a one-off transfer, go with Revolut, since it's the cheapest right now.

Ways to send money from Australia to Japan

11 money transfer companies let you send money from Australia to Japan.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Japan.

For example, sending A$2,000 with Wise will get you 217,783 JPY after a A$10.13 fee and 0.01% markup.

In our comparisons over the past month, it was the cheapest online service on 17 of the 27 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Revolut takes A$3 in fees and 0.2% markup on a A$2,000 transfer, and your JPY arrives in same day.

Over the past month, Revolut was the cheapest app on 50% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get 0.55% on AUD/JPY, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Xe was the cheapest broker in 27% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in JPY, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and JPY in one account, and convert when the rate suits you.

Revolut converts A$2,000 at 0.2% markup, and the JPY sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 73% of days.

Most useful if you travel often to Japan, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds 2.58% markup and delivers 213,328 JPY, against 218,142 JPY via Revolut (the cheapest option).

We found NAB was the cheapest bank on 21 of the 21 days it appeared for this amount.

Ways to fund AUD and receive money in Japan

With Revolut, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 218,142 JPY.

Our data shows that Revolut gets your recipient 4,814 JPY more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with bank transfer, debit card, credit card, osko, PayTo, PayID, and POLi.

You can pay with PayID

Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.

Recipients in Japan can collect JPY through bank deposit and cash pickup.

They can collect cash via Western Union

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in Japan.

  1. 1
    Bank transfer Bank deposit

    You pay A$2,000.00

    ¥218,142

    Cheapest

  2. 2
    Osko Bank deposit

    You pay A$2,000.00

    ¥217,783

    -¥359

  3. 3
    Debit card Bank deposit

    You pay A$2,000.00

    ¥217,706

    -¥436

  4. 4
    Credit card Bank deposit

    You pay A$2,000.00

    ¥217,706

    -¥436

  5. 5
    PayTo Bank deposit

    You pay A$2,000.00

    ¥216,080

    -¥2,062

Show moreShow less
  1. 6
    Debit card Cash pickup

    You pay A$2,000.00

    ¥215,294

    -¥2,848

  2. 7
    Credit card Cash pickup

    You pay A$2,000.00

    ¥215,294

    -¥2,848

  3. 8
    PayID Cash pickup

    You pay A$2,000.00

    ¥215,294

    -¥2,848

  4. 9
    POLi Cash pickup

    You pay A$2,003.99

    ¥210,924

    -¥7,218

Consider this before sending AUD to Japan

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/JPY transfer options

For a A$2,000 transfer to Japan, these are the best options right now:

Cheapest

Revolut is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 218,142 JPY, which is 0.16% more than the next best option.

Fastest

Remitly delivers 216,080 JPY in within an hour when you use debit card and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Japan.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in Japan.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 11 companies sending AUD to Japan, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 329 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/JPY transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.