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

Wise offers the best exchange rate from France to Japan at 177.3850 JPY per EUR.

But Key Currency is cheapest overall, turning EUR 7,000 into 1,238,574.21 JPY after its fee and exchange-rate markup.

Best companies for EUR/JPY transfers

9 of 9 providers

Last updated on 10 November 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 = 177.3850 JPY 0.00% vs mid-market Recipient gets ¥1,235,027.00 Within 3 hours
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 depositWithin 3 hoursAvailable via:Bank Transfer
€37.591 EUR = 177.3850 JPY
¥1,235,027.00You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 176.3528 JPY +0.58% vs mid-market Recipient gets ¥1,234,469.60 Minutes - 24 hours
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 = 176.3528 JPY
¥1,234,469.60You pay€7,000.00

Run a live search

Showing top France to Japan deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 176.9392 JPY +0.25% vs mid-market Recipient gets ¥1,238,574.21 Minutes - 3 days
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 = 176.9392 JPY
¥1,238,574.21You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 176.9037 JPY +0.27% vs mid-market Recipient gets ¥1,238,325.87 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 EUR = 176.9037 JPY
¥1,238,325.87You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 176.8505 JPY +0.30% vs mid-market Recipient gets ¥1,237,953.37 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 EUR = 176.8505 JPY
¥1,237,953.37You pay€7,000.00

Currencies Direct

Pay via Bank transfer
Fee €0.00 1 EUR = 176.5126 JPY +0.49% vs mid-market Recipient gets ¥1,235,588.00 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 EUR = 176.5126 JPY
¥1,235,588.00You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 176.4957 JPY +0.50% vs mid-market Recipient gets ¥1,235,470.01 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 EUR = 176.4957 JPY
¥1,235,470.01You pay€7,000.00

Wise

Pay via Bank transfer
Fee €37.59 1 EUR = 177.3850 JPY 0.00% vs mid-market Recipient gets ¥1,235,027.00 Within 3 hours
Our top pick
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 depositWithin 3 hoursAvailable via:Bank Transfer
€37.591 EUR = 177.3850 JPY
¥1,235,027.00You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 176.3528 JPY +0.58% vs mid-market Recipient gets ¥1,234,469.60 Minutes - 24 hours
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 = 176.3528 JPY
¥1,234,469.60You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 176.3528 JPY +0.58% vs mid-market Recipient gets ¥1,234,469.60 Minutes - 24 hours
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 = 176.3528 JPY
¥1,234,469.60You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 176.3528 JPY +0.58% vs mid-market Recipient gets ¥1,234,469.60 Minutes - 24 hours
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 = 176.3528 JPY
¥1,234,469.60You pay€7,000.00

Wise

Pay via iDEAL
Fee €47.71 1 EUR = 177.3850 JPY 0.00% vs mid-market Recipient gets ¥1,233,232.00 Within 3 hours
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin 3 hoursAvailable via:Bank Transfer
€47.711 EUR = 177.3850 JPY
¥1,233,232.00You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €70.50 1 EUR = 177.0072 JPY +0.21% vs mid-market Recipient gets ¥1,226,571.00 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€70.501 EUR = 177.0072 JPY
¥1,226,571.00You 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 = 177.3850 JPY 0.00% vs mid-market Recipient gets ¥1,225,274.00 Within 3 hours
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 depositWithin 3 hoursAvailable via:Bank Transfer
€92.571 EUR = 177.3850 JPY
¥1,225,274.00You pay€7,000.00

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 174.8993 JPY +1.40% vs mid-market Recipient gets ¥1,224,294.91 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 = 174.8993 JPY
¥1,224,294.91You pay€7,000.00

Wise

Pay via Credit card
Fee €134.59 1 EUR = 177.3850 JPY 0.00% vs mid-market Recipient gets ¥1,217,821.00 Within 3 hours
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 depositWithin 3 hoursAvailable via:Bank Transfer
€134.591 EUR = 177.3850 JPY
¥1,217,821.00You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 177.3826 JPY Updates every 60 minutes.

How to send money from France to Japan

Pick a company

Start with the cheapest, which is Key Currency at 1,238,574.21 JPY on a €7,000 transfer.

Key Currency was the cheapest on 23 of the 28 days it quoted €7,000 transfers to Japan.

Fund your transfer

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

A euro virement to the money transfer company is cheap and arrives in seconds.

Verify and send

First time round you'll need a photo ID and a RIB or proof of address to verify your account.

Do it before making a transfer, it's the main thing that holds up transfers, and it only needs doing once.

Compare amounts

How much EUR are you sending to Japan?

How much EUR 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 Key Currency was the cheapest in 82% of the transfers from €5,000 it quoted, and in 82% of all the transfers it quoted.

Cheapest service
€5000.49%€0.00¥88,291.00with bank transfer to bank deposit+¥2,323.09
€1,0000.02%€0.00¥177,430.00with debit card to bank deposit+¥3,757.32
€2,0000.50%€0.00¥353,005.00with bank transfer to bank deposit+¥3,772.43
€5,0000.18%€0.00¥885,616.50with debit card to bank deposit+¥10,512.33
€7,000This page0.25%€0.00¥1,238,574.21with bank transfer to bank deposit+¥6,321.34

Mid-market rate: 1 EUR = 177.3826 JPY

EUR/JPY Exchange Rate History

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

The cheapest way to send EUR 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 Key Currency), across 30 days of comparisons for 7,000 EUR transfers to Japan.

JPY received for €7,000, after fees

Tue, 10 Nov 2026Mid-market rate¥1,241,678.40 Key Currency ¥1,238,574.21Key Currency¥1,238,574.21Regency FX¥1,238,325.87TorFx¥1,237,953.37

1,220M
1,225M
1,230M
1,235M
1,240M
1,245M
1,250M
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.5471 – ¥1,242,829.60
Key Currency Cheapest 177.1032 €0.00 ¥1,239,722.52 −¥3,107.07
Regency FX 177.0677 €0.00 ¥1,239,473.96 −¥3,355.64
TorFx 177.0144 €0.00 ¥1,239,101.11 −¥3,728.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.0918 – ¥1,239,642.70
Wise Cheapest 177.1050 €37.59 ¥1,233,078.00 −¥6,564.70
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.3099 – ¥1,241,169.46
Key Currency Cheapest 176.8666 €0.00 ¥1,238,066.54 −¥3,102.92
Regency FX 176.8312 €0.00 ¥1,237,818.30 −¥3,351.16
TorFx 176.7780 €0.00 ¥1,237,445.95 −¥3,723.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.1469 – ¥1,240,028.49
Key Currency Cheapest 176.7041 €0.00 ¥1,236,928.42 −¥3,100.07
Regency FX 176.6686 €0.00 ¥1,236,680.41 −¥3,348.08
TorFx 176.6155 €0.00 ¥1,236,308.40 −¥3,720.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.5626 – ¥1,242,938.16
Key Currency Cheapest 177.1187 €0.00 ¥1,239,830.81 −¥3,107.35
Regency FX 177.0832 €0.00 ¥1,239,582.22 −¥3,355.94
TorFx 177.0299 €0.00 ¥1,239,209.34 −¥3,728.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.5641 – ¥1,242,948.85
Key Currency Cheapest 177.1202 €0.00 ¥1,239,841.47 −¥3,107.38
Regency FX 177.0847 €0.00 ¥1,239,592.89 −¥3,355.96
TorFx 177.0314 €0.00 ¥1,239,220.00 −¥3,728.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.5641 – ¥1,242,948.85
Key Currency Cheapest 177.1202 €0.00 ¥1,239,841.47 −¥3,107.38
Regency FX 177.0847 €0.00 ¥1,239,592.89 −¥3,355.96
TorFx 177.0314 €0.00 ¥1,239,220.00 −¥3,728.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.1495 – ¥1,240,046.16
Key Currency Cheapest 176.7066 €0.00 ¥1,236,946.04 −¥3,100.12
Regency FX 176.6711 €0.00 ¥1,236,698.03 −¥3,348.13
TorFx 176.6180 €0.00 ¥1,236,326.02 −¥3,720.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.6286 – ¥1,243,400.37
Key Currency Cheapest 177.1846 €0.00 ¥1,240,291.87 −¥3,108.50
Regency FX 177.1490 €0.00 ¥1,240,043.19 −¥3,357.18
TorFx 177.0957 €0.00 ¥1,239,670.17 −¥3,730.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.4426 – ¥1,242,097.93
Key Currency Cheapest 176.9990 €0.00 ¥1,238,992.69 −¥3,105.24
Regency FX 176.9635 €0.00 ¥1,238,744.27 −¥3,353.66
TorFx 176.9102 €0.00 ¥1,238,371.64 −¥3,726.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.7851 – ¥1,237,495.73
Key Currency Cheapest 176.3431 €0.00 ¥1,234,402.00 −¥3,093.73
Regency FX 176.3078 €0.00 ¥1,234,154.50 −¥3,341.23
TorFx 176.2547 €0.00 ¥1,233,783.25 −¥3,712.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 175.8566 – ¥1,230,996.10
Key Currency Cheapest 175.4169 €0.00 ¥1,227,918.61 −¥3,077.49
Regency FX 175.3818 €0.00 ¥1,227,672.41 −¥3,323.69
TorFx 175.3290 €0.00 ¥1,227,303.11 −¥3,692.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 175.7204 – ¥1,230,042.66
Key Currency Cheapest 175.2811 €0.00 ¥1,226,967.55 −¥3,075.11
Regency FX 175.2459 €0.00 ¥1,226,721.54 −¥3,321.12
TorFx 175.1932 €0.00 ¥1,226,352.53 −¥3,690.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 175.7204 – ¥1,230,042.66
Key Currency Cheapest 175.2811 €0.00 ¥1,226,967.55 −¥3,075.11
Regency FX 175.2459 €0.00 ¥1,226,721.54 −¥3,321.12
TorFx 175.1932 €0.00 ¥1,226,352.53 −¥3,690.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.1408 – ¥1,232,985.48
Key Currency Cheapest 175.7004 €0.00 ¥1,229,903.02 −¥3,082.46
Regency FX 175.6652 €0.00 ¥1,229,656.42 −¥3,329.06
TorFx 175.6124 €0.00 ¥1,229,286.52 −¥3,698.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.0722 – ¥1,232,505.34
Key Currency Cheapest 175.6320 €0.00 ¥1,229,424.08 −¥3,081.26
Regency FX 175.5968 €0.00 ¥1,229,177.58 −¥3,327.76
TorFx 175.5440 €0.00 ¥1,228,807.83 −¥3,697.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 175.6073 – ¥1,229,251.04
Xe Cheapest 175.2481 €0.00 ¥1,226,736.70 −¥2,514.34
Key Currency 175.1683 €0.00 ¥1,226,177.91 −¥3,073.13
Regency FX 175.1332 €0.00 ¥1,225,932.06 −¥3,318.98
TorFx 175.0805 €0.00 ¥1,225,563.28 −¥3,687.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 175.8466 – ¥1,230,926.18
Wise Cheapest 175.8450 €37.59 ¥1,224,305.00 −¥6,621.18
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.3273 – ¥1,234,291.18
Key Currency Cheapest 175.8865 €0.00 ¥1,231,205.46 −¥3,085.72
Regency FX 175.8512 €0.00 ¥1,230,958.60 −¥3,332.58
TorFx 175.7983 €0.00 ¥1,230,588.31 −¥3,702.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.5596 – ¥1,235,917.14
Key Currency Cheapest 176.1182 €0.00 ¥1,232,827.35 −¥3,089.79
Regency FX 176.0829 €0.00 ¥1,232,580.17 −¥3,336.97
TorFx 176.0299 €0.00 ¥1,232,209.39 −¥3,707.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.5596 – ¥1,235,917.14
Key Currency Cheapest 176.1182 €0.00 ¥1,232,827.35 −¥3,089.79
Regency FX 176.0829 €0.00 ¥1,232,580.17 −¥3,336.97
TorFx 176.0299 €0.00 ¥1,232,209.39 −¥3,707.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.5887 – ¥1,236,120.84
Key Currency Cheapest 176.1472 €0.00 ¥1,233,030.53 −¥3,090.31
Regency FX 176.1119 €0.00 ¥1,232,783.31 −¥3,337.53
TorFx 176.0589 €0.00 ¥1,232,412.47 −¥3,708.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.7089 – ¥1,236,962.33
Key Currency Cheapest 176.2671 €0.00 ¥1,233,869.92 −¥3,092.41
Regency FX 176.2318 €0.00 ¥1,233,622.53 −¥3,339.80
TorFx 176.1788 €0.00 ¥1,233,251.44 −¥3,710.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.7370 – ¥1,244,159.25
Xe Cheapest 177.3449 €0.00 ¥1,241,414.30 −¥2,744.95
Key Currency 177.2927 €0.00 ¥1,241,048.85 −¥3,110.40
Regency FX 177.2571 €0.00 ¥1,240,800.02 −¥3,359.23
TorFx 177.2038 €0.00 ¥1,240,426.77 −¥3,732.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.8124 – ¥1,244,686.51
Xe Cheapest 177.5161 €0.00 ¥1,242,612.70 −¥2,073.81
Key Currency 177.3678 €0.00 ¥1,241,574.80 −¥3,111.71
Regency FX 177.3323 €0.00 ¥1,241,325.86 −¥3,360.65
TorFx 177.2789 €0.00 ¥1,240,952.45 −¥3,734.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.3581 – ¥1,234,506.50
Xe Cheapest 175.9457 €0.00 ¥1,231,619.90 −¥2,886.60
Key Currency 175.9172 €0.00 ¥1,231,420.24 −¥3,086.26
Regency FX 175.8819 €0.00 ¥1,231,173.34 −¥3,333.16
TorFx 175.8290 €0.00 ¥1,230,802.98 −¥3,703.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.7443 – ¥1,237,210.30
Key Currency Cheapest 176.3025 €0.00 ¥1,234,117.28 −¥3,093.02
Regency FX 176.2671 €0.00 ¥1,233,869.84 −¥3,340.46
TorFx 176.2141 €0.00 ¥1,233,498.67 −¥3,711.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.7109 – ¥1,236,976.14
Key Currency Cheapest 176.2691 €0.00 ¥1,233,883.70 −¥3,092.44
Regency FX 176.2338 €0.00 ¥1,233,636.30 −¥3,339.84
TorFx 176.1807 €0.00 ¥1,233,265.21 −¥3,710.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 176.5359 – ¥1,235,751.31
Xe Cheapest 176.2456 €0.00 ¥1,233,719.20 −¥2,032.11
Key Currency 176.0946 €0.00 ¥1,232,661.94 −¥3,089.37
Regency FX 176.0593 €0.00 ¥1,232,414.79 −¥3,336.52
TorFx 176.0063 €0.00 ¥1,232,044.06 −¥3,707.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 177.3826 – ¥1,241,678.40
Key Currency Cheapest 176.9392 €0.00 ¥1,238,574.21 −¥3,104.19
Regency FX 176.9037 €0.00 ¥1,238,325.87 −¥3,352.53
TorFx 176.8505 €0.00 ¥1,237,953.37 −¥3,725.03

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 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 EUR 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 France.

Right now, Key Currency pays 1,238,574.21 JPY on 7,000 EUR, which is 3,104.19 JPY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,242,612.70 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 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Key CurrencyAppeared in 28 comparisons

    Cheapest in 82% of them

  2. Regency FXAppeared in 28 comparisons

    Never the cheapest

  3. TorFxAppeared in 56 comparisons

    Cheapest in 39% of them

Based on 146 comparisons across 5 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 Key Currency is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from France to Japan

9 companies send money from France to Japan. You can do it via currency broker, multi-currency account, online, app, and global business account.

For regular transfers from France

Money transfer apps

If you’re sending €50 to €200 to a family in Japan, apps like Wise are the easiest way.

Over the past month, Wise was the cheapest app on 76% of the days it appeared for €7,000 transfers.

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

If you need mobile wallet or cash delivery, use our filters above.

For one-off transfers

Online transfers

When converting EUR to JPY, an online service like Wise is always cheaper than the bank's international virement.

Sending €7,000 with Wise gets you 1,235,027 JPY with a €37.59 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 22 of the 29 days it quoted.

For travelling & receiving

Challenger banks

Challenger banks like Currencies Direct are cheaper than high-street banks, and are perfect for travelling, receiving money, and making occasional transfers to Japan.

On a €7,000 transfer, Currencies Direct gets you 1,235,588 JPY vs 1,238,574.21 JPY using Key Currency.

It's always , and choosing based on purpose and how much you get.

Companies like Currencies Direct offer great multi-currency features:

  • Hold EUR and JPY

  • Convert between them any time

  • Spend in JPY abroad or online

  • Receive EUR or JPY like a local

Our data shows Currencies Direct came out cheapest among challenger banks and multi-currency accounts on 100% of days in the past month.

Sending large sums from France

Currency brokers

If you’re selling a property in France, repatriating a pension, moving to Japan, or making any other large transfer, then you need a currency broker.

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

And the more you transfer, the better rate you will get.

Our analysis shows Key Currency was the cheapest broker in 82% of the transfers from €5,000 it quoted.

Also, many French banks cap transfers around €15,000/transfer, make sure to increase the limits in advance if you need to.

International business payments

Global accounts

Global accounts are for businesses in France paying suppliers abroad, getting paid by foreign clients, or operating in multiple currencies.

Companies like Airwallex, Wise Business, or Payoneer are the best for this.

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 1,238,574.21 JPY.

Fund the transfer from France by bank transfer, debit card, credit card, and iDEAL.

You can pay by virement

Send the money by bank transfer from your French RIB or IBAN.

SEPA Instant can be instant for funding your transfer, but delivery speed to Japan depends on the payout method.

Your recipient in Japan can collect JPY through bank deposit.

They can receive JPY digitally

Your recipient can use bank deposit to collect Yen.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    ¥1,238,574

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    ¥1,234,470

    -¥4,105

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    ¥1,234,470

    -¥4,105

  4. 4
    iDEAL Bank deposit

    You pay €7,000.00

    ¥1,233,232

    -¥5,342

What to consider before sending EUR to Japan

From France, the important split is whether the money stays in euros or changes currency. Cash funding and non-bank protection work differently too.

Compare the EUR/JPY options

For a €7,000 transfer to Japan, these are the best ways to start with:

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 1,238,574.21 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 1,226,571 JPY in same day.

France caps cash payments

If you are a tax resident in France, you can pay up to €1,000 in cash to a transfer company.

This limits the cash payment, rather than the amount you can send abroad.

For a larger transfer, pay by bank transfer or card.

Expect a justificatif on a large transfer

French banks and transfer companies can ask for a justificatif (proof) showing where the money came from and why it is being sent.

For property, tuition or moving savings abroad, keep the sale document, invoice or recent bank statement ready.

Your bank may also have a lower daily virement limit, which you can ask it to raise before the payment is due.

FGDR deposit guarantee

The FGDR deposit guarantee covers eligible bank deposits up to €100,000 per customer and bank.

Payment and e-money institutions are not members of the FGDR, although they must protect customer funds through safeguarding arrangements (keeping your funds separate to theirs).

If in doubt, check REGAFI to see whether a bank, payment institution or e-money institution is authorised to operate in France.

How we analyse the market

Most of our pricing comes straight from the companies, and the rest we collect by hand and label in the table.

That covers 9 ACPR-registered companies sending EUR to Japan, with the rates refreshed in real time on live EUR/JPY searches.

In the past 30 days alone, we analysed 146 comparisons across 5 amounts.

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

We compare fees, rates and the ways money can be paid in and received, and each company also goes through 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.