Best companies for JPY/KHR transfers
5 of 5 providers Last updated on 10 November 2026
Based on 39,000 JPY transfer Best companies for JPY/KHR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ¥2,751.00 1 JPY = 25.8432 KHR -0.34% vs mid-market	Recipient gets ៛936,790.16 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Cambodia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT ¥2,751.001 JPY = 25.8432 KHR ៛936,790.16You pay¥39,000.00
Promoted Remitly Pay via Debit card	Fee ¥0.00 1 JPY = 25.7900 KHR -0.13% vs mid-market	Recipient gets ៛1,005,810.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Cambodia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 JPY = 25.7900 KHR ៛1,005,810.00You pay¥39,000.00
Run a live search Showing top Japan to Cambodia deals for 39,000 JPY. 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 JPY to KHR rates.
Run a live search These companies offer multi-currency accounts for spending KHR. We suggest doing a live search based on how much JPY you're planning to spend in Cambodia.
Run a live search These are managed services with real human support for large JPY transfers. Click the link and update the transfer amount to get the best deal.
Remitly Pay via Debit card	Fee ¥0.00 1 JPY = 25.7900 KHR -0.13% vs mid-market	Recipient gets ៛1,005,810.00 Within minutes
19 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in Cambodia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 JPY = 25.7900 KHR ៛1,005,810.00You pay¥39,000.00

Remitly Pay via Bank transfer	Fee ¥0.00 1 JPY = 25.7900 KHR -0.13% vs mid-market	Recipient gets ៛1,005,810.00 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in Cambodia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 JPY = 25.7900 KHR ៛1,005,810.00You pay¥39,000.00
Wise Pay via Bank transfer	Fee ¥2,751.00 1 JPY = 25.8432 KHR -0.34% vs mid-market	Recipient gets ៛936,790.16 Within a week
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Cambodia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT ¥2,751.001 JPY = 25.8432 KHR ៛936,790.16You pay¥39,000.00
Wise Pay via Debit card	Fee ¥3,868.00 1 JPY = 25.8432 KHR -0.34% vs mid-market	Recipient gets ៛907,923.30 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Cambodia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT ¥3,868.001 JPY = 25.8432 KHR ៛907,923.30You pay¥39,000.00

Wise Pay via Credit card	Fee ¥3,868.00 1 JPY = 25.8432 KHR -0.34% vs mid-market	Recipient gets ៛907,923.30 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Cambodia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT ¥3,868.001 JPY = 25.8432 KHR ៛907,923.30You pay¥39,000.00
Send Money Between PayPal Accounts PayPal App (P2P Transfer) Pay via Bank transfer	Fee ¥1,560.00 1 JPY = 24.2102 KHR +6.00% vs mid-market	Recipient gets ៛906,430.91 Minutes
0 reviews Fastest
Ways to receive money in Cambodia with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ¥1,560.001 JPY = 24.2102 KHR ៛906,430.91You pay¥39,000.00
Send cash via a MoneyGram agent MoneyGram Agent Pay via Bank transfer	Fee ¥1,560.00 1 JPY = 24.2102 KHR +6.00% vs mid-market	Recipient gets ៛906,430.91 Minutes - 3 days
0 reviews
Ways to receive money in Cambodia with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ¥1,560.001 JPY = 24.2102 KHR ៛906,430.91You pay¥39,000.00
Send cash via a Western Union agent Western Union Agent Pay via Bank transfer	Fee ¥1,170.00 1 JPY = 23.9527 KHR +7.00% vs mid-market	Recipient gets ៛906,129.57 Minutes - 5 days
0 reviews
Ways to receive money in Cambodia with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ¥1,170.001 JPY = 23.9527 KHR ៛906,129.57You pay¥39,000.00
How Our Results Work Mid-market rate: 1 JPY = 25.7556 KHR Updates every 60 minutes.

Why compare

JPY/KHR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Japan to Cambodia

Pick a company

We suggest starting with Wise since it's the cheapest option for sending ¥39,000.

Wise was the cheapest on 0 of the 30 days it quoted ¥39,000 transfers to Cambodia.

The best and cheapest options will change depending on the amount, so it's a good idea to to get the best JPY/KHR rate today.

Fund your transfer

You can fund your transfer from Japan via bank transfer, debit card, and credit card.

A furikomi from your bank reaches the money transfer company account the same day.

You can also pay cash at a konbini terminal or an ATM for cash transfer.

Verify and send

When opening a new money transfer account, you'll need your residence card to register (tourists can't send money from Japan).

If you support family back home, ask about registering them as dependents, it may cut your income and resident tax (not tax advice).

Compare amounts

How much JPY are you sending to Cambodia?

How much JPY you send to Cambodia 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 Wise was the cheapest in 10% of the transfers from ¥300,000 it quoted, and in 7% of all the transfers it quoted.


¥39,000This page	-0.13%	¥0.00	៛1,005,810.00with debit card to bank deposit	+៛70,403.98
¥300,000	0.93%	¥0.00	៛7,656,000.00with bank transfer to bank deposit	+៛126,097.96
¥1,000,000	0.27%	¥0.00	៛25,692,848.50with bank transfer to bank deposit	+៛396,015.16

Mid-market rate: 1 JPY = 25.7556 KHR

JPY/KHR Exchange Rate History

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

The cheapest way to send JPY to KHR 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 Wise), across 30 days of comparisons for 39,000 JPY transfers to Cambodia.

Each line shows what the recipient gets when you send ¥39,000, after fees, as quoted by each company. The mid-market line shows what ¥39,000 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 KHR per JPY than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 16 of the last 30 days.

Right now, Wise pays 936,790.16 KHR on 39,000 JPY, which is 67,676.72 KHR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,014,390 KHR.

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 Cambodia.

We've tracked 118 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

RemitlyAppeared in 80 comparisons
Cheapest every time
WiseAppeared in 116 comparisons
Cheapest in 7% of them
PayPal App (P2P Transfer)Appeared in 30 comparisons
Never the cheapest

Based on 118 comparisons across 4 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 Wise is the cheapest and gets you the most KHR, but it was the cheapest in only 7% of the 116 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Wise, since it's the cheapest right now.

Ways to send money from Japan to Cambodia

5 companies send money from Japan to Cambodia.

Everyday transfers

Online transfers

Online transfers to Cambodia are usually faster and cheaper than a traditional Japanese bank wire.

Depending on the service, you can deposit money via bank transfer, debit card, and credit card (Suica and other IC cards won’t work).

Wise is the cheapest option.

It charges ¥2,751 to send 39,000 JPY and your recipient gets 936,790.16 KHR (after a -0.34% markup). The KHR will arrive in within a week.

In our comparisons over the past month, it was the cheapest online service on 0 of the 30 days it quoted.

You will normally need your residence card to open an account.

Regular overseas spending

Multi-currency accounts

A multi-currency account lets you convert part of your yen and keep KHR for future payments.

Wise lets you hold JPY and KHR in one account and swap between them as you need.

Converting ¥39,000 gets you 936,790.16 KHR, after -0.34% markup and ¥2,751 fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

This is convenient for receiving payments in JPY or KHR, or spending money when traveling to Cambodia.

Paying contractors

Global accounts

Global accounts help Japanese businesses make repeat payments to contractors and suppliers in Cambodia.

Wise Business and Payoneer offer great business accounts in Japan.

Ways to fund JPY and receive KHR in Cambodia

With Wise, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ¥39,000 gives your recipient 936,790.16 KHR.

You can fund the yen side by bank transfer, debit card, and credit card.

Pay from a Japanese bank account

Transfer JPY using the account and reference provided by the money transfer company.

A domestic bank payment funds the transfer (usually very fast), but it does not determine how quickly KHR reaches the recipient.

For the payout, your recipient can use bank deposit in Cambodia.

1

Debit card Bank deposit

You pay ¥39,000.00

៛1,005,810

Cheapest
2

Bank transfer Bank deposit

You pay ¥39,000.00

៛1,005,810

៛0
3

Credit card Bank deposit

You pay ¥39,000.00

៛907,923

-៛97,887

Consider this when sending JPY to Cambodia

The weak yen makes the exchange-rate margin especially important. Foreign residents should also expect identity and purpose checks before the first overseas transfer.

Compare JPY/KHR transfer options

These are the leading options for a ¥39,000 transfer to Cambodia.

Cheapest way to send money to Cambodia

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 936,790.16 KHR, which is 3.24% more than the next best option.

Fastest way to send money to Cambodia

The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 906,430.91 KHR in minutes.

Have your residence details ready

Japanese banks and registered funds-transfer companies can ask for a residence card, address, My Number and the purpose of an overseas payment.

The exact documents depend on the money transfer company and transfer purpose.

The first payment may take longer while the account is being checked.

Keep the invoice or document explaining the payment ready if you are sending tuition, property money or a large personal transfer.

The Financial Services Agency advises foreign residents to use a licensed bank or Funds Transfer Service Provider.

You can’t use Suica for deposits

PayPay, Suica, IC cards, and a domestic furikomi are useful inside Japan, but they do not send JPY to Cambodia.

A large gift can create Japanese gift tax

Japan's annual basic gift-tax exemption is ¥1.1 million per recipient under the calendar-year system.

The recipient may need to file and pay tax when total gifts received during the year exceed that amount.

Residence and asset-location rules can make cross-border cases more complicated, so do not assume that receiving the money in an overseas account avoids Japanese tax.

Non-bank remittance balances are protected under the Payment Services Act, but they are not ordinary bank deposits, so avoid leaving more money there beyond what you need to send.

How we analyse the market

We track 5 registered funds transfer companies sending JPY to Cambodia, updated in real time on live searches.

With the yen weak, the exchange margin decides more than the fee does, so that's what we lead the comparison on, along with the ways to pay and collect.

In the past 30 days alone, we analysed 118 comparisons across 4 amounts.

This page covers the cheapest and fastest options for JPY/KHR 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.

Each 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.

Send money to Cambodia

Send money from United States to Cambodia Send money from India to Cambodia Send money from Philippines to Cambodia Send money from United Kingdom to Cambodia Send money from Singapore to Cambodia Send money from Australia to Cambodia Send money from Indonesia to Cambodia Send money from Canada to Cambodia Send money from United Arab Emirates to Cambodia

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	25.6265	–	៛999,434.51
Remitly Cheapest	25.2500	¥0.00	៛984,750.00	−៛14,684.51
Wise	25.6876	¥2,761.00	៛930,892.94	−៛68,541.57
PayPal App (P2P Transfer)	24.0889	¥1,560.00	៛901,889.71	−៛97,544.80

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	25.6938	–	៛1,002,060.11
Remitly Cheapest	25.7300	¥0.00	៛1,003,470.00	+៛1,409.89
Wise	25.7012	¥2,882.00	៛928,275.94	−៛73,784.17
PayPal App (P2P Transfer)	24.1522	¥1,560.00	៛904,259.04	−៛97,801.07

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	25.6616	–	៛1,000,804.19
Remitly Cheapest	25.6800	¥0.00	៛1,001,520.00	+៛715.81
Wise	25.6823	¥2,861.00	៛928,132.64	−៛72,671.55
PayPal App (P2P Transfer)	24.1219	¥1,560.00	៛903,125.70	−៛97,678.49

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	25.6975	–	៛1,002,203.05
Remitly Cheapest	25.7400	¥0.00	៛1,003,860.00	+៛1,656.95
Wise	25.7176	¥2,890.00	៛928,662.54	−៛73,540.51
PayPal App (P2P Transfer)	24.1557	¥1,560.00	៛904,388.03	−៛97,815.02

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	25.7180	–	៛1,003,002.27
Remitly Cheapest	25.7400	¥0.00	៛1,003,860.00	+៛857.73
Wise	25.7392	¥2,980.00	៛927,125.98	−៛75,876.29
PayPal App (P2P Transfer)	24.1749	¥1,560.00	៛905,109.25	−៛97,893.02

How to send money to Cambodia from Japan with the best JPY-KHR rate

Best companies for JPY/KHR transfers