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How to send money to Japan from US with the best USD-JPY rate

Compare the best ways to send money from the United States to Japan. Explore the fastest, cheapest, and most reliable providers with the best USD to JPY exchange rates.

Read on for the best deals, expert information, and all you need to send money to Japan from the United States.

Transferring the other way? Send JPY from Japan to United States instead.
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July 15th, 2025
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Best money transfer companies

Send money from United States to Japan

Last updated: Today
Mid-market rate as of 07/15/2025: 1 USD = 147.373987 JPY
Results below are based on a 7000 USD search
0 of 16 providers
Sponsored
Wise
Recipient gets (JPY)
¥1,026,768.00
Full transfer details
Visit Wise
¥26,099 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (JPY)
¥1,017,552.90
Full transfer details
Visit Xe
¥16,884 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (JPY)
¥1,029,038.86
Full transfer details
Visit Key Currency
¥28,369 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (JPY)
¥1,028,935.70
Full transfer details
Visit Currencyflow
¥28,266 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (JPY)
¥1,028,832.54
Full transfer details
Visit Regency FX
¥28,163 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
4
Wise
Recipient gets (JPY)
¥1,026,768.00
Full transfer details
Visit Wise
¥26,099 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
5
Currencies Direct
Recipient gets (JPY)
¥1,026,647.00
Full transfer details
Visit Currencies Direct
¥25,978 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
6
OFX
Recipient gets (JPY)
¥1,024,338.00
Full transfer details
Visit OFX
¥23,669 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
7
Xe
Recipient gets (JPY)
¥1,017,552.90
Full transfer details
Visit Xe
¥16,884 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
8
Remitly
Recipient gets (JPY)
¥1,009,190.00
Full transfer details
Visit Remitly
¥8,521 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
MoneyGram
Recipient gets (JPY)
¥940,216.56
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • Barclays
    Barclays
    Recipient gets (JPY)
    ¥997,694.63
    Not recommended
  • HSBC
    HSBC
    Recipient gets (JPY)
    ¥996,664.48
    Not recommended
  • Capital One
    Capital One
    Recipient gets (JPY)
    ¥990,353.19
    Not recommended
  • PayPal
    PayPal
    Recipient gets (JPY)
    ¥949,748.71
    Not recommended
Sponsored
Wise
Recipient gets (JPY)
¥1,026,768.00
Full transfer details
Visit Wise
¥26,099 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (JPY)
¥1,017,552.90
Full transfer details
Visit Xe
¥16,884 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Best way to send: Wise

Wise is our top pick for sending USD to JPY.

We tested & reviewed 16 money transfer companies offering services between the United States and Japan, and Wise scored highly.

For example, sending 7,000 USD to JPY will cost you $33.19 in fees, and you will receive 1,026,768 JPY. The delivery time is next day, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your United States to Japan transfer using Wise.

Wise is the top rated company for sending money from United States (USD) to Japan (JPY) - Wise Screenshot

How to compare deals on your United States to Japan transfer

Summary of recent searches

Top rated for transfers from United States to Japan
Wise
Total number of US - JP providers
16
Average cheapest fees & rate
MoneyGram
Average fastest transfer
MoneyGram
Average transfer time
Within minutes
Best for bank transfers
MoneyGram
Best for debit card
Xe

Considerations for sending money from United States to Japan

1
Compare providers

Always compare ways to send money from the United States to Japan to get the best options for fees, speed, and reliability.

Our analysis included 16 providers that operate between United States and Japan.

Through this, you get a comprehensive view of all the options you have in the United States when you need to send money to Japan.

2
Track the US Dollar-Yen exchange rate
3
Choose the right payment method
4
Use regulated providers
5
Consider transfer limits
6
How to receive money in Japan
7
Have your ID ready
8
Don't forget about taxes

Cheapest way to send money to Japan from the United States: MoneyGram

MoneyGram offers the cheapest combination of low fees and competitive exchange rates of the 16 providers we compared.

They offer a fee of 490.00000000000006 USD and exchange rate between USD-JPY that is 2% different to the mid-market rate.

In comparison, MoneyGram is -9.45% cheaper than the second-best option.

To secure affordable and great rates on a USD to Japan transfer, MoneyGram is our recommended choice.

MoneyGram is the cheapest way to send money from United States (USD) to Japan (JPY) - MoneyGram Screenshot

Fastest way to send money to Japan from the United States: MoneyGram

We compared 16 companies and found MoneyGram offers the fastest money transfers between the United States and Japan.

The transfer time is minutes - 24 hours with MoneyGram for a $7,000 transfer, but it will depend on the time, day of the week, and the amount you send.

A USD-Yen transfer through MoneyGram comes with a 490 USD fee (based on a $7,000 transfer).

To ensure MoneyGram was the 'fastest' option we compared 16 providers. This comparison was for overall speed of sending money from the United States to Japan and is a combination of depositing US Dollar, transfer times to Japan and withdrawal timeframes where applicable.

When speed is a priority, MoneyGram is the top choice for sending into Japan from the United States.

MoneyGram is the fastest way to send money from United States (USD) to Japan (JPY) - MoneyGram Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Japan from the United States needs a strong exchange rate and effective transfer management.

From the
16 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Japan from the United States.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Yens to Yen.

As such, we recommend Currencies Direct for large Japan transfers.

Understanding the cost of moving money from United States to Japan

The total cost of sending money to Japan from the United States, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

The Mid-Market and Exchange Rates: Currently, the mid-market for USD-JPY is 147.7705 JPY per US Dollar.

  • Finding a company offering an exchange rate closer to this will mean more Yen for your US Dollar.

  • The average USD-JPY mid-market rate for the last 7 days has been 146.9164 JPY per US Dollar. This includes a high of 147.416, and low of 146.126.

  • Out of the 16 companies compared, Wise offers the best exchange rates.

  • The exchange rate you receive on converting USD to JPY should be the biggest determining cost factor when transferring US Dollar to Japan.

Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. MoneyGram has a fee of 490.00000000000006 USD per transfer (which is the cheapest option right now for a $7,000 transfer).

Although you should search for your send amount for actual fees.

Amount Received: Money transfer companies will show you the amount of Yen eventually received in Japan.

A lower cost of sending from the United States will result in more money received in Japan.

Finding the best exchange rate for US Dollar to Yen

Timing is essential for sending money between USD and JPY. The exchange rate you secure impacts how much JPY you get for your USD.

Mid-market Rate
1 
USD
=
147.770497 
JPY

Over the last week, here’s what we’ve seen:

  • The exchange rate from USD to JPY averaged 146.9164 JPY.

  • The highest value recorded was 147.416 JPY, while the lowest was 146.126 JPY.

  • There are currently 16 providers offering transfers between the United States and Japan close to this rate

Want to secure the best USD-Yen exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from United States to Japan!

Paying for your United States to
Japan money transfer

  • Bank transfers

    A bank transfer is often the default option for money transfers from the United States to Japan.

    By using a money transfer company such as MoneyGram to send money from the United States to Japan, you can while benefit from lower fees and more favorable exchange rates than a bank would offer. 


    On average, MoneyGram is the cheapest money transfer provider for bank transfers from the 16 we tested when sending USD to Japan.

    With a fee of USD490.00000000000006 to send money from the United States to Japan, MoneyGram offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the United States to Japan with a prepaid or debit card is very easy with Xe.


    Xe is a great choice for sending money with a debit card from the United States to Japan. This is from the 16 money transfer companies compared.

  • Credit cards

    When it comes to credit card money transfers from the United States to Japan there aren't that many options, mainly because it's more expensive.

    If you have to, we recommend running a quick comparison to get the best deal on JPY

    Be careful of fees: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Japan and United States.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from United States to Japan.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send USD to JPY.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

How much money can be transferred from United States to Japan?
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Can I send money from United States to Japan with MoneyTransfers.com?
What are the typical transfer fees for sending US Dollars to Japan through various providers?
How long does it take to send money from United States to Japan?
What is the best exchange rate I can get for sending money from United States to Japan?
Are there any minimum or maximum transfer amounts for sending money from United States to Japan?
Can I schedule regular transfers between United States and Japan?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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