Regency FX is the fastest way to send money to Japan from Singapore right now, with delivery in minutes - 24 hours. Key Currency is cheapest overall, paying out 1,230,801.72 JPY for a $10,000 transfer.
| 9 of 9 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze SGD/JPY exchange rates from our comparisons. | |||
| Based on 10,000 SGD transfer Best companies for SGD/JPY transfersAll money transfer offers for SGD/JPY transfers, sorted by most JPY received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee $29.38 1 SGD = 123.3840 JPY 0.00% vs mid-market | Recipient gets ¥1,230,215.00 Within a week | |
Ways to receive money in Japan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $29.381 SGD = 123.3840 JPY ¥1,230,215.00You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 SGD = 122.1683 JPY +0.99% vs mid-market | Recipient gets ¥1,221,683.10 Minutes - 24 hours | |
Ways to receive money in Japan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 122.1683 JPY ¥1,221,683.10You pay$10,000.00 | |||
Run a live search Showing top Singapore to Japan deals for 10,000 SGD. 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 SGD 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 SGD you're planning to spend in Japan. | |||
Run a live search These are managed services with real human support for large SGD 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 SGD = 123.0802 JPY +0.25% vs mid-market | Recipient gets ¥1,230,801.72 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 SGD = 123.0802 JPY ¥1,230,801.72You pay$10,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 SGD = 123.0555 JPY +0.27% vs mid-market | Recipient gets ¥1,230,554.95 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 SGD = 123.0555 JPY ¥1,230,554.95You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fee $29.38 1 SGD = 123.3840 JPY 0.00% vs mid-market | Recipient gets ¥1,230,215.00 Within a week | |
Ways to receive money in Japan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $29.381 SGD = 123.3840 JPY ¥1,230,215.00You pay$10,000.00 | |||
| Wise Pay via PayNow | Fee $29.38 1 SGD = 123.3840 JPY 0.00% vs mid-market | Recipient gets ¥1,230,215.00 Within a week | |
Ways to receive money in Japan with Wise when paying by paynow. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $29.381 SGD = 123.3840 JPY ¥1,230,215.00You pay$10,000.00 | |||
 TorFx Pay via Bank transfer | Fee $0.00 1 SGD = 123.0185 JPY +0.30% vs mid-market | Recipient gets ¥1,230,184.78 Minutes - 24 hours | |
Ways to receive money in Japan with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 123.0185 JPY ¥1,230,184.78You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 SGD = 122.7717 JPY +0.50% vs mid-market | Recipient gets ¥1,227,717.01 Minutes - 24 hours | |
Ways to receive money in Japan with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 122.7717 JPY ¥1,227,717.01You pay$10,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee $0.00 1 SGD = 122.6763 JPY +0.58% vs mid-market | Recipient gets ¥1,226,763.00 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 SGD = 122.6763 JPY ¥1,226,763.00You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $65.00 1 SGD = 123.3688 JPY +0.02% vs mid-market | Recipient gets ¥1,225,669.00 Within a week | |
Ways to receive money in Japan with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week $65.001 SGD = 123.3688 JPY ¥1,225,669.00You pay$10,000.00 | |||
| 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. | |||
| Xe Pay via Bank transfer | Fee $0.00 1 SGD = 122.1683 JPY +0.99% vs mid-market | Recipient gets ¥1,221,683.10 Minutes - 24 hours | |
Ways to receive money in Japan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 122.1683 JPY ¥1,221,683.10You pay$10,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee $0.00 1 SGD = 121.6612 JPY +1.40% vs mid-market | Recipient gets ¥1,216,612.03 Minutes - 2 days | |
Ways to receive money in Japan with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 SGD = 121.6612 JPY ¥1,216,612.03You pay$10,000.00 | |||
| Wise Pay via Debit card | Fee $485.77 1 SGD = 123.3840 JPY 0.00% vs mid-market | Recipient gets ¥1,173,904.00 Within a week | |
Ways to receive money in Japan with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $485.771 SGD = 123.3840 JPY ¥1,173,904.00You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 SGD = 123.388644 JPY Updates every 60 minutes. | |||
Transfer details
I suggest starting with Key Currency which is the cheapest option for sending $10,000.
There are 3 methods to fund the transfer form Singapore, including bank transfer, paynow, and debit card.
Where possible, use PayNow to fund your account, it is usually free and takes seconds.
Before you can send money to Japan, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.
There are 5 ways to send money to Japan across 9 money transfer companies.
Cheapest way to send money
Sending JPY from Singapore with a specialist like Wise is quick, easy, and cheap.
You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.
Wise charges $29.38 to send $10,000, delivering 1,230,215 JPY after a 0% markup and 29.38 SGD fee.
Large transfers from Singapore
Brokers are the best for large SGD transfers to Japan.
A currency broker can quote a lower margin on a large SGD to JPY transfers and help with the paperwork and the entire process.
For example, Key Currency charges an exchange-rate markup of around 0.25% and no fees.
Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.
Regular spending abroad
A multi-currency account like Wise lets you convert SGD to JPY before travelling or paying your own bills overseas.
And you can hold both currencies in one account.
Wise will get you 1,230,215 JPY after fees when converting 10,000 SGD.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 1,230,801.72 JPY.
Pay in SGD through bank transfer, paynow, and debit card.
Funding the transfer with PayNow
This is the quickest and simplest way to pay for your transfer to Japan from Singapore.
Scan the company's PayNow QR code or use its registered identifier.
In Japan, they can receive JPY using bank deposit.
You pay $10,000.00
¥1,230,802
Cheapest
You pay $10,000.00
¥1,230,215
-¥587
You pay $10,000.00
¥1,173,904
-¥56,898
Consider these things before sending money from Singapore to Japan.
For a $10,000 transfer to Japan, these are the best options to start with:
Cheapest: Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,230,801.72 JPY, which is 0.02% more than the next best option.
Fastest: Regency FX, funded through bank transfer with bank deposit for the payout. Your recipient gets 1,230,554.95 JPY in minutes - 24 hours.
Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.
A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.
When unsure, check the legal company in the MAS Financial Institutions Directory before paying.
The exchange rate directly affects how much JPY arrives for your SGD.
Mid-market rate:1 SGD = 123.371294 JPY
Every company here holds a MAS licence, which you can check yourself on the MAS register.
We track 9 of them on SGD to Japan, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.
Each goes through our review. 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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