Key Currency is the best and cheapest service overall. On €7,000 you will get 1,250,657.05 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 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/JPY transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €37.59 1 EUR = 179.0750 JPY +0.02% vs mid-market | Recipient gets ¥1,246,794.00 Same day | |
Ways to receive money in Japan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €37.591 EUR = 179.0750 JPY ¥1,246,794.00You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 177.9109 JPY +0.67% vs mid-market | Recipient gets ¥1,245,376.30 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 = 177.9109 JPY ¥1,245,376.30You 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 = 178.6653 JPY +0.25% vs mid-market | Recipient gets ¥1,250,657.05 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 = 178.6653 JPY ¥1,250,657.05You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 178.6295 JPY +0.27% vs mid-market | Recipient gets ¥1,250,406.29 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 = 178.6295 JPY ¥1,250,406.29You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 178.5757 JPY +0.30% vs mid-market | Recipient gets ¥1,250,030.15 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 = 178.5757 JPY ¥1,250,030.15You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 178.2175 JPY +0.50% vs mid-market | Recipient gets ¥1,247,522.57 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 = 178.2175 JPY ¥1,247,522.57You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 178.1746 JPY +0.53% vs mid-market | Recipient gets ¥1,247,222.00 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 = 178.1746 JPY ¥1,247,222.00You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €37.59 1 EUR = 179.0750 JPY +0.02% vs mid-market | Recipient gets ¥1,246,794.00 Same day | |
Ways to receive money in Japan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €37.591 EUR = 179.0750 JPY ¥1,246,794.00You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 177.9109 JPY +0.67% vs mid-market | Recipient gets ¥1,245,376.30 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 = 177.9109 JPY ¥1,245,376.30You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 177.9109 JPY +0.67% vs mid-market | Recipient gets ¥1,245,376.30 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 = 177.9109 JPY ¥1,245,376.30You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 177.9109 JPY +0.67% vs mid-market | Recipient gets ¥1,245,376.30 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 = 177.9109 JPY ¥1,245,376.30You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €47.71 1 EUR = 179.0750 JPY +0.02% vs mid-market | Recipient gets ¥1,244,981.00 Same day | |
Ways to receive money in Japan with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €47.711 EUR = 179.0750 JPY ¥1,244,981.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €40.50 1 EUR = 178.6781 JPY +0.24% vs mid-market | Recipient gets ¥1,243,510.00 Same day | |
Ways to receive money in Japan with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day €40.501 EUR = 178.6781 JPY ¥1,243,510.00You 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. | |||
| Wise Pay via Debit card | Fee €92.57 1 EUR = 179.0750 JPY +0.02% vs mid-market | Recipient gets ¥1,236,948.00 Same day | |
Ways to receive money in Japan with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €92.571 EUR = 179.0750 JPY ¥1,236,948.00You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 176.6055 JPY +1.40% vs mid-market | Recipient gets ¥1,236,238.44 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 = 176.6055 JPY ¥1,236,238.44You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €134.59 1 EUR = 179.0750 JPY +0.02% vs mid-market | Recipient gets ¥1,229,423.00 Same day | |
Ways to receive money in Japan with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €134.591 EUR = 179.0750 JPY ¥1,229,423.00You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 174.1569 JPY +2.81% vs mid-market | Recipient gets ¥1,219,098.30 Minutes - 24 hours | |
Ways to receive money in Japan with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 174.1569 JPY ¥1,219,098.30You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 174.1569 JPY +2.81% vs mid-market | Recipient gets ¥1,219,098.30 Minutes - 24 hours | |
Ways to receive money in Japan with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 174.1569 JPY ¥1,219,098.30You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 174.1569 JPY +2.81% vs mid-market | Recipient gets ¥1,219,098.30 Minutes - 24 hours | |
Ways to receive money in Japan with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 174.1569 JPY ¥1,219,098.30You pay€7,009.99 | |||
| How Our Results Work Mid-market rate: 1 EUR = 179.1131 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, online, app, multi-currency account, global account, and in person, 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 1,246,794 JPY with a €37.59 fee and 0.02% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to Japan.
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 ~0.53% 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 1,250,657.05 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 and cash pickup.
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.
They can receive cash in Japan
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
¥1,250,657
Cheapest
You pay €7,000.00
¥1,245,376
-¥5,281
You pay €7,000.00
¥1,245,376
-¥5,281
You pay €7,000.00
¥1,244,981
-¥5,676
You pay €7,009.99
¥1,219,098
-¥31,559
You pay €7,009.99
¥1,219,098
-¥31,559
You pay €7,009.99
¥1,219,098
-¥31,559
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 1,250,657.05 JPY, which is 0.02% 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 1,243,510 JPY in am selben tag.
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 = 178.915444 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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