Best companies for EUR/JPY transfers
9 of 9 providers Last updated on 28 September 2026
Based on 7,000 EUR transfer Best companies for EUR/JPY transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €37.59 1 EUR = 179.1350 JPY +0.02% vs mid-market	Recipient gets ¥1,247,211.00 Same day
25 reviews 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 €37.591 EUR = 179.1350 JPY ¥1,247,211.00You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 178.0590 JPY +0.62% vs mid-market	Recipient gets ¥1,246,413.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Japan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 178.0590 JPY ¥1,246,413.00You pay€7,000.00
Run a live search Showing top Finland 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 = 178.7231 JPY +0.25% vs mid-market	Recipient gets ¥1,251,061.94 Minutes - 3 days
4 reviews Cheapest 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 EUR = 178.7231 JPY ¥1,251,061.94You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 178.6873 JPY +0.27% vs mid-market	Recipient gets ¥1,250,811.10 Minutes - 24 hours
9 reviews 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 EUR = 178.6873 JPY ¥1,250,811.10You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 178.6335 JPY +0.30% vs mid-market	Recipient gets ¥1,250,434.84 Minutes - 24 hours
2 reviews 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 EUR = 178.6335 JPY ¥1,250,434.84You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 178.2752 JPY +0.50% vs mid-market	Recipient gets ¥1,247,926.45 Minutes - 24 hours
7 reviews 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 EUR = 178.2752 JPY ¥1,247,926.45You pay€7,000.00
Currencies Direct Pay via Bank transfer	Fee €0.00 1 EUR = 178.2343 JPY +0.52% vs mid-market	Recipient gets ¥1,247,640.00 Minutes - 24 hours
3 reviews 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 EUR = 178.2343 JPY ¥1,247,640.00You pay€7,000.00
Wise Pay via Bank transfer	Fee €37.59 1 EUR = 179.1350 JPY +0.02% vs mid-market	Recipient gets ¥1,247,211.00 Same day
25 reviews Recommended 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 €37.591 EUR = 179.1350 JPY ¥1,247,211.00You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 178.0590 JPY +0.62% vs mid-market	Recipient gets ¥1,246,413.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Japan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 178.0590 JPY ¥1,246,413.00You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 178.0590 JPY +0.62% vs mid-market	Recipient gets ¥1,246,413.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Japan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 178.0590 JPY ¥1,246,413.00You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 178.0590 JPY +0.62% vs mid-market	Recipient gets ¥1,246,413.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Japan with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 178.0590 JPY ¥1,246,413.00You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €47.71 1 EUR = 179.1350 JPY +0.02% vs mid-market	Recipient gets ¥1,245,398.00 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
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 = 179.1350 JPY ¥1,245,398.00You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €70.50 1 EUR = 178.7356 JPY +0.24% vs mid-market	Recipient gets ¥1,238,548.00 Same day
10 reviews 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 €70.501 EUR = 178.7356 JPY ¥1,238,548.00You 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 = 179.1350 JPY +0.02% vs mid-market	Recipient gets ¥1,237,362.00 Same day
25 reviews Multi-currency cardReceive 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 €92.571 EUR = 179.1350 JPY ¥1,237,362.00You pay€7,000.00
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 176.6627 JPY +1.40% vs mid-market	Recipient gets ¥1,236,638.67 Minutes - 2 days
0 reviews
Ways to receive money in Japan with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 176.6627 JPY ¥1,236,638.67You pay€7,000.00
Wise Pay via Credit card	Fee €134.59 1 EUR = 179.1350 JPY +0.02% vs mid-market	Recipient gets ¥1,229,835.00 Same day
25 reviews Multi-currency cardReceive 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 €134.591 EUR = 179.1350 JPY ¥1,229,835.00You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 179.1711 JPY Updates every 60 minutes.

Why compare

EUR/JPY exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to Japan

Pick a company

For a one-off transfer to Japan, start with Key Currency.

On a 7,000 EUR transfer, Key Currency delivers the most JPY.

The cheapest option depends on the amount, so I suggest to get the best EUR/JPY rate.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.

Select how you want the recipient to pick up the money. For transfers to Japan they can receive it via bank deposit.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Ways to send money from Finland to Japan

9 companies send money from Finland to Japan, mostly through broker, multi-currency account, online, app, and global account, and a few more ways.

Usually the cheapest

Online transfers

Companies like Wise will get you 1,247,211 JPY on €7,000 transfer.

If it's the only time you send money to Japan, then it's the best option.

For recurring transfers, an app is a bit more convenient.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

Wise charges €37.59 on a €7,000 transfer, and 1,247,211 JPY arrives in same day.

In Japan they can receive money via bank deposit.

Moving money between your own accounts

Multi-currency accounts

Companies like Currencies Direct let you hold EUR and JPY balances in one account.

You can convert between them any time, and it's cheap.

For example, converting 7,000 EUR to JPY with Currencies Direct gets you 1,247,640 JPY (€0 in fees and 0.52% markup).

This is especially useful travel since you are spending in JPY (no extra fees from Currencies Direct, only local ATMs).

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to Japan.

Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.

For sending large sums

Currency brokers

Currency brokers are good for sending €10,000+ to Japan. They charge no fees and add a markup on the rate.

Key Currency charges no fee but adds 0.25% markup on top of the EUR/JPY rate.

Ways to fund EUR and receive JPY in Japan

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 1,251,061.94 JPY.

To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and ideal.

MobilePay and Siirto are useful for payments within Finland, but they do not send money to Japan directly.

For withdrawals in Japan, use bank deposit.

Receive JPY

The name should match the account holder's bank record, so double check it before sending.

1

Bank transfer Bank deposit

You pay €7,000.00

¥1,251,062

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

¥1,246,413

-¥4,649
3

Credit card Bank deposit

You pay €7,000.00

¥1,246,413

-¥4,649
4

Ideal Bank deposit

You pay €7,000.00

¥1,245,398

-¥5,664

What to consider before sending money from Finland to Japan

For a transfer from Finland, compare the JPY received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/JPY transfer options

For a €7,000 transfer to Japan, these are the current cheapest, fastest and easiest options.

Cheapest

Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 1,251,061.94 JPY, which is 0.02% more than the next best option.

Fastest

Revolut delivers 1,238,548 JPY in same day when you pay by bank transfer and choose bank deposit.

Sending a gift from Finland can trigger gift tax

If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.

The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.

Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.

Cash sent to the recipient is treated as a normal gift because they can spend it on anything.

Large transfers may take longer

Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.

Keep the invoice, sale document or account statement ready.

SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Japan.

Safety measures in Finland

An EEA company may be authorised in another country and operate in Finland through passporting.

If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.

Never move money to a so-called safe account or approve an unexpected bank-identification request.

When in doubt, check the company in the FIN-FSA supervised-entities register.

Live EUR-JPY Exchange Rate

Finding the best rate to send money from Finland to Japan

The exchange rate has a direct impact on how much JPY your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.

Mid-market rate:1 EUR = 178.990143 JPY

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 9 of them on EUR to Japan, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

Nothing appears without passing our review.

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

Send money from Finland

Send money to Japan

Send money from United States to Japan Send money from Philippines to Japan Send money from India to Japan Send money from Germany to Japan Send money from United Kingdom to Japan Send money from Australia to Japan Send money from Malaysia to Japan Send money from France to Japan Send money from Spain to Japan Send money from Canada to Japan Send money from Qatar to Japan Send money from Netherlands to Japan

How to send money to Japan from Finland with the best EUR-JPY rate

Best companies for EUR/JPY transfers