Key Currency is the best and cheapest service overall. On €7,000 you will get 1,267,808.08 JPY after fees and the exchange rate.
We’ve compared 10 money transfer companies in more detail below.
| 10 of 10 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/JPY exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/JPY transfersAll money transfer offers for EUR/JPY transfers, sorted by most JPY received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €37.59 1 EUR = 181.5750 JPY 0.00% vs mid-market | Recipient gets ¥1,264,200.00 Within a week | |
Ways to receive money in Japan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €37.591 EUR = 181.5750 JPY ¥1,264,200.00You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 179.5504 JPY +1.12% vs mid-market | Recipient gets ¥1,256,852.80 Minutes - 24 hours | |
Ways to receive money in Japan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 179.5504 JPY ¥1,256,852.80You pay€7,000.00 | |||
Run a live search Showing top Germany to Japan deals for 7,000 EUR. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to JPY rates. | |||
Run a live search These companies offer multi-currency accounts for spending JPY. We suggest doing a live search based on how much EUR you're planning to spend in Japan. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 181.1154 JPY +0.25% vs mid-market | Recipient gets ¥1,267,808.08 Minutes - 3 days | |
Ways to receive money in Japan with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 181.1154 JPY ¥1,267,808.08You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 181.0791 JPY +0.27% vs mid-market | Recipient gets ¥1,267,553.88 Minutes - 24 hours | |
Ways to receive money in Japan with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 181.0791 JPY ¥1,267,553.88You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 181.0247 JPY +0.30% vs mid-market | Recipient gets ¥1,267,172.58 Minutes - 24 hours | |
Ways to receive money in Japan with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 181.0247 JPY ¥1,267,172.58You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 180.6925 JPY +0.48% vs mid-market | Recipient gets ¥1,264,848.00 Minutes - 24 hours | |
Ways to receive money in Japan with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 180.6925 JPY ¥1,264,848.00You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 180.6615 JPY +0.50% vs mid-market | Recipient gets ¥1,264,630.61 Minutes - 24 hours | |
Ways to receive money in Japan with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 180.6615 JPY ¥1,264,630.61You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €37.59 1 EUR = 181.5750 JPY 0.00% vs mid-market | Recipient gets ¥1,264,200.00 Within a week | |
Ways to receive money in Japan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €37.591 EUR = 181.5750 JPY ¥1,264,200.00You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €47.71 1 EUR = 181.5750 JPY 0.00% vs mid-market | Recipient gets ¥1,262,362.00 Within a week | |
Ways to receive money in Japan with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €47.711 EUR = 181.5750 JPY ¥1,262,362.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €40.50 1 EUR = 181.2170 JPY +0.19% vs mid-market | Recipient gets ¥1,261,179.00 Within a week | |
Ways to receive money in Japan with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week €40.501 EUR = 181.2170 JPY ¥1,261,179.00You pay€7,000.00 | |||
| 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. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 179.5504 JPY +1.12% vs mid-market | Recipient gets ¥1,256,852.80 Minutes - 24 hours | |
Ways to receive money in Japan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 179.5504 JPY ¥1,256,852.80You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 179.5504 JPY +1.12% vs mid-market | Recipient gets ¥1,256,852.80 Minutes - 24 hours | |
Ways to receive money in Japan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 179.5504 JPY ¥1,256,852.80You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 179.5504 JPY +1.12% vs mid-market | Recipient gets ¥1,256,852.80 Minutes - 24 hours | |
Ways to receive money in Japan with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 179.5504 JPY ¥1,256,852.80You pay€7,000.00 | |||
 Deutsche Bank Pay via Bank transfer | Fee €37.05 1 EUR = 180.1793 JPY +0.77% vs mid-market | Recipient gets ¥1,254,579.00 Minutes - 5 days | |
Ways to receive money in Japan with Deutsche Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days €37.051 EUR = 180.1793 JPY ¥1,254,579.00You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €92.57 1 EUR = 181.5750 JPY 0.00% vs mid-market | Recipient gets ¥1,254,217.00 Within a week | |
Ways to receive money in Japan with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €92.571 EUR = 181.5750 JPY ¥1,254,217.00You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 179.0274 JPY +1.40% vs mid-market | Recipient gets ¥1,253,191.74 Minutes - 2 days | |
Ways to receive money in Japan with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 179.0274 JPY ¥1,253,191.74You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €134.59 1 EUR = 181.5750 JPY 0.00% vs mid-market | Recipient gets ¥1,246,587.00 Within a week | |
Ways to receive money in Japan with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €134.591 EUR = 181.5750 JPY ¥1,246,587.00You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 181.569363 JPY Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Key Currency.
On a 7,000 EUR transfer, Key Currency delivers the most JPY.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/JPY rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
There are 10 companies for sending money from Germany to Japan, across broker, multi-currency account, online, app, global account, and bank, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Wise to Japan gets you 1,264,200 JPY with a €37.59 fee and 0% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For Euro transfers only
Inside the eurozone, banks use a SEPA transfer which is cheap or free and there's little reason to look further.
Outside the eurozone, banks like Deutsche Bank are much more expensive.
On a €7,000 transfer, Deutsche Bank delivers 1,254,579 JPY vs 1,267,808.08 JPY with Key Currency.
For large transfers from Germany
For buying property, moving to Japan, or moving pensions, a currency broker is the best option.
A broker like Key Currency charges no fee and works on a margin. It adds 0.25% on EUR/JPY which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to Japan.
Be it overseas suppliers and contractors, receiving JPY payments, or holding JPY and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and JPY in one account.
You get JPY bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert JPY to EUR or EUR to JPY whenever you need.
The best multi currency account is Currencies Direct, it adds ~0.48% markup and charges small fees.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 1,267,808.08 JPY.
You can pay for the transfer using bank transfer, debit card, credit card, and ideal.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Japan.
The recipient in Japan can receive JPY by bank deposit.
To receive JPY by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
You pay €7,000.00
¥1,267,808
Cheapest
You pay €7,000.00
¥1,262,362
-¥5,446
You pay €7,000.00
¥1,256,853
-¥10,955
You pay €7,000.00
¥1,256,853
-¥10,955
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to Japan, these are the best options:
Cheapest way to send money to Japan
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,267,808.08 JPY, which is 0.02% more than the next best option.
Fastest way to send money to Japan
The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 1,267,553.88 JPY in minutes - 24 hours.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into JPY sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/JPY rate can move noticeably within a week, changing the amount your recipient gets in JPY.
Mid-market rate:1 EUR = 181.726798 JPY
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 10 of them on EUR to Japan, comparing rates, fees and the pay-in and payout options.
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.
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