How to send money to Japan from Switzerland with the best CHF-JPY rate

The cheapest option overall is Wise, giving your recipient 1,136,236 JPY when you send CHF 6,000.

Below we’ve compared 8 ways to send money from Switzerland to Japan.

Best companies for CHF/JPY transfers

8 of 8 providers

Last updated on 28 October 2026

Based on 6,000 CHF transfer

Best companies for CHF/JPY transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 20.41 1 CHF = 190.0190 JPY Recipient gets ¥ 1'136'236.00 Same day
Multi-currency cardReceive 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
CHF 20.411 CHF = 190.0190 JPY
¥ 1'136'236.00You payCHF 6'000.00
Promoted

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 0.0000 JPY +0.30% vs mid-market Recipient gets ¥ 0.00 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 0.0000 JPY
¥ 0.00You payCHF 6'000.00

Run a live search

Showing top Switzerland to Japan deals for 6,000 CHF. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer
Fee CHF 20.41 1 CHF = 190.0190 JPY Recipient gets ¥ 1'136'236.00 Same day
CheapestRecommended
Multi-currency cardReceive 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
CHF 20.411 CHF = 190.0190 JPY
¥ 1'136'236.00You payCHF 6'000.00

Currencies Direct

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 188.7590 JPY Recipient gets ¥ 1'132'554.00 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 188.7590 JPY
¥ 1'132'554.00You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 189.7143 JPY Recipient gets ¥ 1'127'566.00 Same day
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositSame day
CHF 56.501 CHF = 189.7143 JPY
¥ 1'127'566.00You payCHF 6'000.00

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.

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 0.0000 JPY +0.30% vs mid-market Recipient gets ¥ 0.00 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 0.0000 JPY
¥ 0.00You payCHF 6'000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 0.0000 JPY +0.27% vs mid-market Recipient gets ¥ 0.00 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 0.0000 JPY
¥ 0.00You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 0.0000 JPY +0.50% vs mid-market Recipient gets ¥ 0.00 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 0.0000 JPY
¥ 0.00You payCHF 6'000.00
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 0.0000 JPY +0.25% vs mid-market Recipient gets ¥ 0.00 Minutes - 3 days
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 CHF = 0.0000 JPY
¥ 0.00You payCHF 6'000.00

Moneycorp

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 0.0000 JPY +1.40% vs mid-market Recipient gets ¥ 0.00 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 CHF = 0.0000 JPY
¥ 0.00You payCHF 6'000.00

How to send money from Switzerland to Japan

Pick a company

Start with the cheapest, which is Wise at 1,136,236 JPY for a CHF 6,000 transfer.

Wise was the cheapest on 7 of the 29 days it quoted fr.6,000 transfers to Japan.

Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.

Fund your transfer

You have 1 ways to pay, including bank transfer.

TWINT won't do this, it's for paying people and shops inside Switzerland.

Verify and send

First time round you'll need a photo ID and your Swiss address.

The company may pause a first large transfer, it just means you need to submit more details to confirm it's really you.

Compare amounts

How much CHF are you sending to Japan?

How much CHF 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 Wise was the cheapest in 19% of the transfers from CHF 6,000 it quoted, and in 24% of all the transfers it quoted.

Cheapest service
CHF 1'0000.16%CHF 2.20¥ 189'259.00with bank transfer to bank deposit+¥ 1'689.32
CHF 5'0000.27%CHF 0.00¥ 948'135.10with bank transfer to bank deposit+¥ 4'304.58
CHF 6'000This pageCHF 20.41¥ 1'136'236.00with bank transfer to bank deposit+¥ 711'691.50
CHF 25'0000.20%CHF 0.00¥ 4'742'113.77with bank transfer to bank deposit+¥ 15'145.52
CHF/JPY Exchange Rate History

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

The cheapest way to send CHF 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 Wise), across 30 days of comparisons for 6,000 CHF transfers to Japan.

JPY received for CHF 6'000, after fees

Wed, 28 Oct 2026Mid-market rateNo quote Wise ¥ 1'136'236.00Wise¥ 1'136'236.00Currencies Direct¥ 1'132'554.00Revolut¥ 1'127'566.00

1.11M
1.12M
1.13M
1.14M
1.15M
1.16M
At the mid-market rateWith the cheapest optionWiseCurrencies DirectRevolut
Exchange rateFeeRecipient getsDifference
Mid-market rate 188.8541 – ¥ 1'133'124.54
Key Currency Cheapest 188.3820 CHF 0.00 ¥ 1'130'291.73 −¥ 2'832.81
Wise 188.8460 CHF 20.41 ¥ 1'129'222.00 −¥ 3'902.54
Currencies Direct 187.6898 CHF 0.00 ¥ 1'126'139.00 −¥ 6'985.54
Revolut 188.5848 CHF 56.50 ¥ 1'120'853.00 −¥ 12'271.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 188.1269 – ¥ 1'128'761.40
Key Currency Cheapest 187.6566 CHF 0.00 ¥ 1'125'939.50 −¥ 2'821.90
Wise 188.1150 CHF 20.41 ¥ 1'124'851.00 −¥ 3'910.40
Revolut 187.8728 CHF 56.50 ¥ 1'116'621.00 −¥ 12'140.40
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 189.5993 – ¥ 1'137'595.70
Key Currency Cheapest 189.1253 CHF 0.00 ¥ 1'134'751.71 −¥ 2'843.99
Wise 189.5840 CHF 20.41 ¥ 1'133'635.00 −¥ 3'960.70
Currencies Direct 188.4013 CHF 0.00 ¥ 1'130'408.00 −¥ 7'187.70
Revolut 189.2591 CHF 56.50 ¥ 1'124'861.00 −¥ 12'734.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.5375 – ¥ 1'143'225.28
Key Currency Cheapest 190.0612 CHF 0.00 ¥ 1'140'367.21 −¥ 2'858.07
Wise 190.5440 CHF 20.41 ¥ 1'139'375.00 −¥ 3'850.28
Currencies Direct 189.3704 CHF 0.00 ¥ 1'136'222.00 −¥ 7'003.28
Revolut 190.2687 CHF 56.50 ¥ 1'130'862.00 −¥ 12'363.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.5266 – ¥ 1'143'159.71
Key Currency Cheapest 190.0503 CHF 0.00 ¥ 1'140'301.81 −¥ 2'857.90
Wise 190.4280 CHF 20.41 ¥ 1'138'681.00 −¥ 4'478.71
Currencies Direct 189.2622 CHF 0.00 ¥ 1'135'573.00 −¥ 7'586.71
Revolut 189.7091 CHF 116.50 ¥ 1'116'153.00 −¥ 27'006.71
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 190.4280 CHF 20.41 ¥ 1'138'681.00 –
Currencies Direct No quote collected this day – – – –
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.2083 – ¥ 1'141'249.99
Key Currency Cheapest 189.7328 CHF 0.00 ¥ 1'138'396.86 −¥ 2'853.13
Wise 190.2200 CHF 20.41 ¥ 1'137'438.00 −¥ 3'811.99
Currencies Direct 188.9743 CHF 0.00 ¥ 1'133'846.00 −¥ 7'403.99
Revolut 189.8726 CHF 56.50 ¥ 1'128'508.00 −¥ 12'741.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.0101 – ¥ 1'140'060.32
Key Currency Cheapest 189.5350 CHF 0.00 ¥ 1'137'210.17 −¥ 2'850.15
Wise 190.0180 CHF 20.41 ¥ 1'136'230.00 −¥ 3'830.32
Currencies Direct 188.7949 CHF 0.00 ¥ 1'132'769.00 −¥ 7'291.32
Revolut 189.6941 CHF 56.50 ¥ 1'127'446.00 −¥ 12'614.32
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 190.0750 CHF 20.41 ¥ 1'136'571.00 –
Currencies Direct 188.8307 CHF 0.00 ¥ 1'132'984.00 –
Revolut 189.7494 CHF 56.50 ¥ 1'127'775.00 –
Exchange rateFeeRecipient getsDifference
Mid-market rate 189.8899 – ¥ 1'139'339.11
Key Currency Cheapest 189.4151 CHF 0.00 ¥ 1'136'490.76 −¥ 2'848.35
Wise 189.8820 CHF 20.41 ¥ 1'135'417.00 −¥ 3'922.11
Currencies Direct 188.6874 CHF 0.00 ¥ 1'132'124.00 −¥ 7'215.11
Revolut 189.5848 CHF 56.50 ¥ 1'126'797.00 −¥ 12'542.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.5201 – ¥ 1'143'120.46
Key Currency Cheapest 190.0438 CHF 0.00 ¥ 1'140'262.65 −¥ 2'857.81
Wise 190.5120 CHF 20.41 ¥ 1'139'184.00 −¥ 3'936.46
Currencies Direct 189.3704 CHF 0.00 ¥ 1'136'222.00 −¥ 6'898.46
Revolut 190.2523 CHF 56.50 ¥ 1'130'764.00 −¥ 12'356.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.7820 – ¥ 1'144'692.16
Key Currency Cheapest 190.3051 CHF 0.00 ¥ 1'141'830.43 −¥ 2'861.73
Wise 190.7420 CHF 20.41 ¥ 1'140'559.00 −¥ 4'133.16
Currencies Direct 189.5148 CHF 0.00 ¥ 1'137'089.00 −¥ 7'603.16
Revolut 189.9581 CHF 116.50 ¥ 1'117'618.00 −¥ 27'074.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.7820 – ¥ 1'144'692.16
Key Currency Cheapest 190.3051 CHF 0.00 ¥ 1'141'830.43 −¥ 2'861.73
Wise 190.7420 CHF 20.41 ¥ 1'140'559.00 −¥ 4'133.16
Currencies Direct 189.5148 CHF 0.00 ¥ 1'137'089.00 −¥ 7'603.16
Revolut 189.9581 CHF 116.50 ¥ 1'117'618.00 −¥ 27'074.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.4992 – ¥ 1'142'994.94
Key Currency Cheapest 190.0229 CHF 0.00 ¥ 1'140'137.45 −¥ 2'857.49
Wise 190.4910 CHF 20.41 ¥ 1'139'058.00 −¥ 3'936.94
Currencies Direct 189.2622 CHF 0.00 ¥ 1'135'573.00 −¥ 7'421.94
Revolut 190.2218 CHF 56.50 ¥ 1'130'582.00 −¥ 12'412.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 189.6944 – ¥ 1'138'166.17
Key Currency Cheapest 189.2201 CHF 0.00 ¥ 1'135'320.76 −¥ 2'845.41
Revolut 189.4160 CHF 56.50 ¥ 1'125'794.00 −¥ 12'372.17
Wise No quote collected this day – – – –
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 189.4070 – ¥ 1'136'441.95
Key Currency Cheapest 188.9335 CHF 0.00 ¥ 1'133'600.85 −¥ 2'841.10
Wise 189.4150 CHF 20.41 ¥ 1'132'624.00 −¥ 3'817.95
Revolut 189.1318 CHF 56.50 ¥ 1'124'104.00 −¥ 12'337.95
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 190.7480 CHF 20.41 ¥ 1'140'595.00 –
Currencies Direct 189.5871 CHF 0.00 ¥ 1'137'523.00 –
Revolut 190.4931 CHF 56.50 ¥ 1'132'195.00 –
Exchange rateFeeRecipient getsDifference
Mid-market rate 191.4967 – ¥ 1'148'980.09
Key Currency Cheapest 191.0179 CHF 0.00 ¥ 1'146'107.64 −¥ 2'872.45
Wise 191.5070 CHF 20.41 ¥ 1'145'133.00 −¥ 3'847.09
Currencies Direct 190.3859 CHF 0.00 ¥ 1'142'315.00 −¥ 6'665.09
Revolut 191.2741 CHF 56.50 ¥ 1'136'837.00 −¥ 12'143.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 191.3173 – ¥ 1'147'904.01
Wise Cheapest 191.7530 CHF 20.41 ¥ 1'146'604.00 −¥ 1'300.01
Currencies Direct 190.5684 CHF 0.00 ¥ 1'143'410.00 −¥ 4'494.01
Revolut 191.0050 CHF 116.50 ¥ 1'123'778.00 −¥ 24'126.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 191.3173 – ¥ 1'147'904.01
Wise Cheapest 191.7530 CHF 20.41 ¥ 1'146'604.00 −¥ 1'300.01
Currencies Direct 190.5684 CHF 0.00 ¥ 1'143'410.00 −¥ 4'494.01
Revolut 191.0050 CHF 116.50 ¥ 1'123'778.00 −¥ 24'126.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 191.8933 – ¥ 1'151'359.68
Key Currency Cheapest 191.4135 CHF 0.00 ¥ 1'148'481.28 −¥ 2'878.40
Wise 191.8840 CHF 20.41 ¥ 1'147'388.00 −¥ 3'971.68
Currencies Direct 190.7147 CHF 0.00 ¥ 1'144'288.00 −¥ 7'071.68
Revolut 191.6204 CHF 56.50 ¥ 1'138'895.00 −¥ 12'464.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 191.7253 – ¥ 1'150'351.72
Key Currency Cheapest 191.2460 CHF 0.00 ¥ 1'147'475.84 −¥ 2'875.88
Wise 191.6890 CHF 20.41 ¥ 1'146'222.00 −¥ 4'129.72
Currencies Direct No quote collected this day – – – –
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 191.7710 CHF 20.41 ¥ 1'146'712.00 –
Currencies Direct 190.5319 CHF 0.00 ¥ 1'143'191.00 –
Revolut 191.4303 CHF 56.50 ¥ 1'137'766.00 –
Exchange rateFeeRecipient getsDifference
Mid-market rate 191.5462 – ¥ 1'149'276.93
Key Currency Cheapest 191.0673 CHF 0.00 ¥ 1'146'403.74 −¥ 2'873.19
Wise 191.5610 CHF 20.41 ¥ 1'145'456.00 −¥ 3'820.93
Currencies Direct 190.3130 CHF 0.00 ¥ 1'141'878.00 −¥ 7'398.93
Revolut 191.2137 CHF 56.50 ¥ 1'136'478.00 −¥ 12'798.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.4832 – ¥ 1'142'899.19
Key Currency Cheapest 190.0070 CHF 0.00 ¥ 1'140'041.94 −¥ 2'857.25
Wise 190.4670 CHF 20.41 ¥ 1'138'915.00 −¥ 3'984.19
Currencies Direct 189.3343 CHF 0.00 ¥ 1'136'006.00 −¥ 6'893.19
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.1159 – ¥ 1'140'695.54
Key Currency Cheapest 189.6406 CHF 0.00 ¥ 1'137'843.81 −¥ 2'851.73
Wise 190.1150 CHF 20.41 ¥ 1'136'810.00 −¥ 3'885.54
Currencies Direct 188.9384 CHF 0.00 ¥ 1'133'630.00 −¥ 7'065.54
Revolut 189.3190 CHF 116.50 ¥ 1'113'858.00 −¥ 26'837.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.1159 – ¥ 1'140'695.54
Key Currency Cheapest 189.6406 CHF 0.00 ¥ 1'137'843.81 −¥ 2'851.73
Wise 190.1150 CHF 20.41 ¥ 1'136'810.00 −¥ 3'885.54
Currencies Direct 188.9384 CHF 0.00 ¥ 1'133'630.00 −¥ 7'065.54
Revolut 189.3190 CHF 116.50 ¥ 1'113'858.00 −¥ 26'837.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.4050 – ¥ 1'142'430.17
Key Currency Cheapest 189.9290 CHF 0.00 ¥ 1'139'574.10 −¥ 2'856.07
Wise 190.4050 CHF 20.41 ¥ 1'138'544.00 −¥ 3'886.17
Currencies Direct 189.1901 CHF 0.00 ¥ 1'135'141.00 −¥ 7'289.17
Revolut 190.0477 CHF 56.50 ¥ 1'129'548.00 −¥ 12'882.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 190.5050 – ¥ 1'143'030.16
Key Currency Cheapest 190.0288 CHF 0.00 ¥ 1'140'172.58 −¥ 2'857.58
Wise 190.4870 CHF 20.41 ¥ 1'139'034.00 −¥ 3'996.16
Revolut 190.2143 CHF 56.50 ¥ 1'130'538.00 −¥ 12'492.16
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 190.0190 CHF 20.41 ¥ 1'136'236.00 –
Currencies Direct 188.7590 CHF 0.00 ¥ 1'132'554.00 –
Revolut 189.7143 CHF 56.50 ¥ 1'127'566.00 –

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send CHF 6'000, after fees, as quoted by each company. The mid-market line shows what CHF 6'000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

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 CHF than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of JPY on every transfer from Switzerland.

Today's payout isn't the best this month though, since the highest receive amount was 1,148,481.28 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 106 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

  1. WiseAppeared in 104 comparisons

    Cheapest in 24% of them

  2. Currencies DirectAppeared in 87 comparisons

    Never the cheapest

  3. RevolutAppeared in 92 comparisons

    Cheapest in 20% of them

Based on 106 comparisons across 4 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 Wise is the cheapest and gets you the most JPY, but it was the cheapest in only 24% of the 104 comparisons it appeared in over the past month.

Currencies Direct (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Japan.

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

Ways to send money from Switzerland to Japan

8 companies send money from Switzerland to Japan, across broker, multi-currency account, global account, online, and app, and more.

For one-off transfers

Online transfers

Online services like Wise are usually cheaper than Swiss banks for one-off and medium-sized transfers.

With Wise, 6,000 CHF gets your recipient 1,136,236 JPY.

The fee is 20.41 CHF, with a % markup on top of the CHF/JPY rate.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

For spending and receiving

Multi-currency accounts

A multi-currency account is useful if you earn in Swiss francs but spend money in JPY (be it payments or travelling).

Wise converts CHF 6,000 with a % exchange-rate markup and lets you hold CHF and JPY in one account.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For regular transfers

Money transfer apps

For the monthly transfer to family, money transfer apps are the easiest to start with.

Wise charges fr.20.41 on a fr.6,000 transfer, and the money lands same day.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for fr.6,000 transfers.

You can also save recipients and create automated scheduled transfers to Japan.

You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer.

For large CHF transfers

Currency brokers

Private banks can usually do this too, but brokers streamline the process and you also get an account manager to handle the transfer.

For example, if you are buying property in Japan or moving your wealth, a broker like Currencies Direct charges no fee and works on a margin instead (% on CHF/JPY).

I suggest , since the more JPY you send the better rate you get.

Our analysis shows Currencies Direct was the cheapest broker in 10% of the transfers from CHF 6,000 it quoted.

Brokers charge no fees, so settle with the one that gives you the best CHF/JPY rate.

For companies paying across borders

Global accounts

Converting every payment separately adds extra work for Swiss businesses with regular costs in Japan.

A global account lets you hold JPY alongside CHF and pay from the balance.

Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.

Ways to fund CHF and receive JPY in Japan

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 1,136,236 JPY.

The transfer can be paid for by bank transfer.

You can pay from your Swiss bank account

Send CHF to the account details provided by the company.

Use the exact reference so it can match the payment to your transfer.

TWINT is mainly for payments in Switzerland, so it does not replace an international transfer to Japan.

In Japan, they can get JPY delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    ¥1,136,236

    Cheapest

Things to know before sending CHF to Japan

The exchange-rate margin usually matters more than the transfer fee from Switzerland. Gift tax and account protection also depend on details that are easy to miss.

Compare CHF/JPY transfer options

For a CHF 6,000 transfer to Japan, these are the best options in our comparison.

Cheapest way to send money to Japan

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,136,236 JPY, which is 0.32% more than the next best option.

Fastest way to send money to Japan

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 1,127,566 JPY in same day.

Switzerland is in SEPA, but CHF is not a SEPA currency

Swiss banks can make SEPA payments in euros, but a CHF transfer to JPY requires a conversion.

Same goes for TWINT and Swiss instant payments.

Money transfer companies can take these as funding methods (since accounts are in Switzerland) but then they switch to an internal network of accounts.

Gift tax depends on your canton

Switzerland has no federal gift tax applied on transfers abroad.

Most cantons impose their own rules, with the amount due usually depending on the value of the gift and your relationship to the recipient.

The federal Swiss authorities explain the cantonal rules here.

Money transfer protection

Do not assume every app used in Switzerland is FINMA-authorised or covered by Swiss deposit insurance.

Some services operate under a foreign licence, and a Swiss virtual IBAN does not by itself create Swiss deposit protection.

Eligible deposits at participating Swiss banks are protected up to CHF 100,000 per customer and bank, but esisuisse confirms that a virtual IBAN or correspondent account may fall outside that protection.

If you’re in doubt about a money transfer company or app, check the legal company behind the service in the FINMA register.

How we analyse the market

Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.

That covers 8 of them sending CHF to Japan, refreshed in real time on live searches and compared on rates, fees and the ways to pay and collect.

In the past 30 days alone, we analysed 106 comparisons across 4 amounts.

This page covers the cheapest and fastest options for CHF/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.

Each goes through our review. More on who we are, why you can trust us and how to get started.

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