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

These are the leading options for a €7,000 transfer to Japan.

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 1,251,061.94 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 1,238,509 JPY, with the money arriving in same day.

A bonifico can move euros from your Italian bank to the transfer company through SEPA.

Companies like Key Currency then convert the money into JPY and pay your recipient in Japan through a local bank, a wallet, or a cash-pickup network.

SEPA may fund the transfer quickly, but the delivery time depends on the local payout method.

In Italy, the term "money transfer" often means a cash-agent shop rather than an online bank transfer.

The Banca d'Italia confirms that money remittance must be provided by a bank, electronic money institution or authorised payment institution.

Their Italian agents must appear in the OAM register.

Italian banks and transfer companies can pause a large, unusual or poorly explained payment while they check its purpose and source.

Use a clear causale and keep the document that explains the money ready.

For property proceeds, tuition or moving savings, tell the bank before the transfer is due.

If a payment-service complaint is not resolved directly, the Arbitro Bancario Finanziario is the Italian financial ombudsman route.