Best companies for USD/JPY transfers
10 of 10 providers Last updated on 10 November 2026
Based on 7,000 USD transfer Best companies for USD/JPY transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $33.19 1 USD = 158.0350 JPY 0.00% vs mid-market	Recipient gets ¥1,101,000.00 Same day
25 reviews 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 depositSame dayAvailable via:Bank Transfer $33.191 USD = 158.0350 JPY ¥1,101,000.00You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 157.1449 JPY +0.57% vs mid-market	Recipient gets ¥1,100,014.30 Minutes - 24 hours
4 reviews 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 USD = 157.1449 JPY ¥1,100,014.30You pay$7,000.00
Run a live search Showing top United States to Japan deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Japan.
Run a live search These are managed services with real human support for large USD 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 USD = 157.6429 JPY +0.25% vs mid-market	Recipient gets ¥1,103,500.41 Minutes - 3 days
4 reviews 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 USD = 157.6429 JPY ¥1,103,500.41You pay$7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 157.6113 JPY +0.27% vs mid-market	Recipient gets ¥1,103,279.16 Minutes - 24 hours
9 reviews 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 USD = 157.6113 JPY ¥1,103,279.16You pay$7,000.00
Wise Pay via Bank transfer	Fee $33.19 1 USD = 158.0350 JPY 0.00% vs mid-market	Recipient gets ¥1,101,000.00 Same day
25 reviews 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 depositSame dayAvailable via:Bank Transfer $33.191 USD = 158.0350 JPY ¥1,101,000.00You pay$7,000.00
Currencies Direct Pay via Bank transfer	Fee $0.00 1 USD = 157.2750 JPY +0.48% vs mid-market	Recipient gets ¥1,100,925.00 Minutes - 24 hours
3 reviews 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 USD = 157.2750 JPY ¥1,100,925.00You pay$7,000.00
OFX Pay via Bank transfer	Fee $0.00 1 USD = 157.2478 JPY +0.50% vs mid-market	Recipient gets ¥1,100,734.75 Minutes - 24 hours
7 reviews 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 USD = 157.2478 JPY ¥1,100,734.75You pay$7,000.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 157.1449 JPY +0.57% vs mid-market	Recipient gets ¥1,100,014.30 Minutes - 24 hours
4 reviews 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 USD = 157.1449 JPY ¥1,100,014.30You pay$7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 157.6955 JPY +0.22% vs mid-market	Recipient gets ¥1,097,481.00 Same day
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Japan with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $40.501 USD = 157.6955 JPY ¥1,097,481.00You 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.
Xe Pay via Debit card	Fee $35.00 1 USD = 157.1449 JPY +0.57% vs mid-market	Recipient gets ¥1,094,514.23 Minutes - 24 hours
4 reviews 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 $35.001 USD = 157.1449 JPY ¥1,094,514.23You pay$7,000.00
Moneycorp Pay via Bank transfer	Fee $0.00 1 USD = 155.8255 JPY +1.40% vs mid-market	Recipient gets ¥1,090,778.35 Minutes - 2 days
0 reviews
Ways to receive money in Japan with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 155.8255 JPY ¥1,090,778.35You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 155.7170 JPY +1.48% vs mid-market	Recipient gets ¥1,090,019.00 Minutes - 24 hours
2 reviews
Ways to receive money in Japan with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 155.7170 JPY ¥1,090,019.00You pay$7,060.79
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $70.00 1 USD = 154.7934 JPY +2.07% vs mid-market	Recipient gets ¥1,083,553.80 Minutes - 24 hours
2 reviews
Ways to receive money in Japan with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $70.001 USD = 154.7934 JPY ¥1,083,553.80You pay$7,070.00

$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $75.99 1 USD = 154.7934 JPY +2.07% vs mid-market	Recipient gets ¥1,083,553.80 Minutes - 24 hours
2 reviews
Ways to receive money in Japan with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 154.7934 JPY ¥1,083,553.80You pay$7,075.99
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $179.99 1 USD = 154.7934 JPY +2.07% vs mid-market	Recipient gets ¥1,083,553.80 Minutes - 24 hours
2 reviews
Ways to receive money in Japan with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 154.7934 JPY ¥1,083,553.80You pay$7,179.99
Wells Fargo Pay via Bank transfer	Fee $0.00 1 USD = 153.1810 JPY +3.12% vs mid-market	Recipient gets ¥1,072,267.00
0 reviews
Ways to receive money in Japan with Wells Fargo when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 153.1810 JPY ¥1,072,267.00You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 157.1449 JPY +0.57% vs mid-market	Recipient gets ¥1,067,013.87 Minutes - 24 hours
4 reviews 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 $210.001 USD = 157.1449 JPY ¥1,067,013.87You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 158.0380 JPY Updates every 60 minutes.

Why compare

USD/JPY exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Japan

Pick a company

If you're sending a one-off transfer, then Key Currency is the best option.

Key Currency was the cheapest on 24 of the 29 days it quoted $7,000 transfers to Japan.

For recurring transfers, I'd suggest using an app like Wise or a multi-currency account.

For large transfers, a broker like Key Currency is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to Japan, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Japan?

How much USD 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 89% of the transfers from $5,000 it quoted, and in 89% of all the transfers it quoted.


$500	0.50%	$0.00	¥78,598.00with bank transfer to bank deposit	+¥3,538.44
$2,000	0.42%	$0.00	¥314,600.00with debit card to bank deposit	+¥7,038.96
$5,000	0.49%	$0.00	¥786,027.00with bank transfer to bank deposit	+¥7,086.88
$7,000This page	0.25%	$0.00	¥1,103,500.41with bank transfer to bank deposit	+¥12,021.18
$10,000	0.15%	$0.00	¥1,576,867.00with bank transfer to bank deposit	+¥17,057.93
$50,000	0.14%	$0.00	¥7,884,065.00with bank transfer to bank deposit	+¥69,579.81
$100,000	0.15%	$0.00	¥15,775,280.93with bank transfer to bank deposit	+¥141,797.80
$250,000	0.15%	$0.00	¥39,435,505.88with bank transfer to bank deposit	+¥223,387.52

Mid-market rate: 1 USD = 158.0380 JPY

USD/JPY Exchange Rate History

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

The cheapest way to send USD 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 USD transfers to Japan.

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. The bank line is the cheapest bank available on each day.

Understanding USD/JPY exchange rate

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 USD 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 the US.

Right now, Key Currency pays 1,103,500.41 JPY on 7,000 USD, which is 2,765.67 JPY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,106,761.44 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 240 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

Key CurrencyAppeared in 149 comparisons
Cheapest in 89% of them
Regency FXAppeared in 149 comparisons
Never the cheapest
WiseAppeared in 237 comparisons
Cheapest in 0% of them
Wells FargoAppeared in 147 comparisons
Never the cheapest

Based on 240 comparisons across 8 amounts over the last 30 days.

Is the cheapest money transfer company always the best?

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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Key Currency is the cheapest and gets you the most JPY, and it was also the cheapest in 89% of the 149 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Japan.

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Japan.

Ways to send money from the US to Japan

There are 10 companies available for sending money from the US to Japan, across currency broker, online, app, multi-currency account, global business account, in person, and bank, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Wise charges $33.19 on a $7,000 transfer with 0% markup, saves your recipient's details for next time, and JPY arrives in same day.

Over the past month, Wise was the cheapest app on 83% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 1,090,019 JPY in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Japan.

Of all online companies listed here, Wise gets you the most JPY per USD.

On a $7,000 transfer, you will get 1,101,000 JPY after a $33.19 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 25 of the 30 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Japan (e.g. a property purchase, tuition, or moving to Japan), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/JPY that gets lower the more you send.

Our analysis shows Key Currency was the cheapest broker in 89% of the transfers from $5,000 it quoted.

It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).

Only if you have to

Banks

Wiring money abroad from your bank is the most expensive option.

On a $7,000 transfer, a bank like Wells Fargo gets your recipient 1,072,267 JPY, against 1,103,500.41 JPY with Key Currency (the overall cheapest option).

We found Wells Fargo was the cheapest bank on 29 of the 29 days it appeared for this amount.

The wire "feels" official, but regulated money transfer companies are just as safe with their own protection and rules.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving JPY.

This is useful for traveling to Japan, building up JPY balance, or receiving payments in JPY.

Wise converts $7,000 at 0% markup plus small fee and holds the JPY until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 90% of days.

Ways to fund USD 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 1,103,500.41 JPY.

Our data shows that Key Currency gets your recipient 31,233.41 JPY more than Wells Fargo, today's cheapest bank, on the same $7,000.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Japan.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 1,090,019 JPY on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle and Cash App only send money within the US, so neither can send money to Japan.

Venmo now sends money internationally to PayPal users in 90+ countries.

Your recipient in Japan can collect JPY through bank deposit and cash pickup.

They can collect cash in Japan

Your recipient can collect JPY from a participating MoneyGram location in Japan.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Bank transfer Bank deposit

You pay $7,000.00

¥1,103,500

Cheapest
2

Debit card Bank deposit

You pay $7,000.00

¥1,094,514

-¥8,986
3

Cash deposit Cash pickup

You pay $7,060.79

¥1,090,019

-¥13,481
4

Bank transfer Cash pickup

You pay $7,070.00

¥1,083,554

-¥19,947
5

Debit card Cash pickup

You pay $7,075.99

¥1,083,554

-¥19,947

Show moreShow less

6

Credit card Cash pickup

You pay $7,179.99

¥1,083,554

-¥19,947
7

Credit card Bank deposit

You pay $7,000.00

¥1,067,014

-¥36,487

Things to consider before sending USD to Japan

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/JPY company

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 1,103,500.41 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 1,097,481 JPY, with the money arriving in same day.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Japan?

For transfers over $10,000, Key Currency is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Japan.

While Key Currency may not always be the cheapest or fastest way to send JPY, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

How we analyze the market

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

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 240 comparisons across 8 amounts.

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

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Related transfer routes

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Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.4697	–	¥1,109,287.68
Key Currency Cheapest	158.0735	$0.00	¥1,106,514.46	−¥2,773.22
Regency FX	158.0418	$0.00	¥1,106,292.61	−¥2,995.07
Wise	158.4500	$33.19	¥1,103,891.00	−¥5,396.68
Wells Fargo	153.3542	$0.00	¥1,073,479.00	−¥35,808.68

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.2405	–	¥1,107,683.51
Key Currency Cheapest	157.8449	$0.00	¥1,104,914.30	−¥2,769.21
Regency FX	157.8133	$0.00	¥1,104,692.76	−¥2,990.75
Wise	158.2350	$33.19	¥1,102,393.00	−¥5,290.51
Wells Fargo	153.1896	$0.00	¥1,072,327.00	−¥35,356.51

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.2985	–	¥1,108,089.50
Key Currency Cheapest	157.9028	$0.00	¥1,105,319.28	−¥2,770.22
Regency FX	157.8711	$0.00	¥1,105,097.66	−¥2,991.84
Wise	158.3100	$33.19	¥1,102,916.00	−¥5,173.50
Wells Fargo	153.3625	$0.00	¥1,073,537.00	−¥34,552.50

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.0195	–	¥1,106,136.49
Key Currency Cheapest	157.6244	$0.00	¥1,103,371.14	−¥2,765.35
Regency FX	157.5928	$0.00	¥1,103,149.92	−¥2,986.57
Wise	158.0050	$33.19	¥1,100,791.00	−¥5,345.49
Wells Fargo	153.3625	$0.00	¥1,073,537.00	−¥32,599.49

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.0475	–	¥1,106,332.48
Key Currency Cheapest	157.6524	$0.00	¥1,103,566.65	−¥2,765.83
Regency FX	157.6208	$0.00	¥1,103,345.38	−¥2,987.10
Wise	158.0650	$33.19	¥1,101,209.00	−¥5,123.48
Wells Fargo	153.0718	$0.00	¥1,071,502.00	−¥34,830.48

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

Best companies for USD/JPY transfers

How to send money from US to Japan

Pick a company

Pay for it

Check and send

How much USD are you sending to Japan?

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

Understanding USD/JPY exchange rate

Picking the cheapest money transfer company

Is the cheapest money transfer company always the best?

Ways to send money from the US to Japan

Money transfer apps

Cash & in-person transfers

Online transfers

Currency brokers

Banks

Global accounts

Multi-currency accounts

Ways to fund USD and receive JPY in Japan

Things to consider before sending USD to Japan

Find the right USD/JPY company

Cash-funded transfers now carry a 1% tax

The $10,000 rule is not a transfer limit

You normally have 30 minutes to cancel

Need to send a large amount of USD to Japan?

How we analyze the market

Related transfer routes

Send money from Japan

Send money to Japan

Recommendations

Tools & resources

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.0150	–	¥1,106,105.28
Key Currency Cheapest	157.6200	$0.00	¥1,103,340.02	−¥2,765.26
Regency FX	157.5884	$0.00	¥1,103,118.80	−¥2,986.48
Wise	157.9950	$33.19	¥1,100,721.00	−¥5,384.28
Wells Fargo	153.1090	$0.00	¥1,071,763.00	−¥34,342.28

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.0798	–	¥1,106,558.48
Key Currency Cheapest	157.6846	$0.00	¥1,103,792.08	−¥2,766.40
Regency FX	157.6530	$0.00	¥1,103,570.77	−¥2,987.71
Wise	158.0800	$33.19	¥1,101,313.00	−¥5,245.48
Wells Fargo	153.1090	$0.00	¥1,071,763.00	−¥34,795.48

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	158.1000	$33.19	¥1,101,453.00	–
Wells Fargo	153.2204	$0.00	¥1,072,543.00	–
Key Currency No quote collected this day	–	–	–	–
Regency FX No quote collected this day	–	–	–	–

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.0970	–	¥1,106,678.87
Key Currency Cheapest	157.7017	$0.00	¥1,103,912.17	−¥2,766.70
Regency FX	157.6701	$0.00	¥1,103,690.83	−¥2,988.04
Wise	158.0950	$33.19	¥1,101,418.00	−¥5,260.87
Wells Fargo	153.1099	$0.00	¥1,071,770.00	−¥34,908.87

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.3065	–	¥1,101,145.51
Key Currency Cheapest	156.9132	$0.00	¥1,098,392.65	−¥2,752.86
Regency FX	156.8818	$0.00	¥1,098,172.42	−¥2,973.09
Wise	157.3200	$33.19	¥1,096,019.00	−¥5,126.51
Wells Fargo	152.1947	$0.00	¥1,065,363.00	−¥35,782.51

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.0690	–	¥1,099,483.01
Key Currency Cheapest	156.6763	$0.00	¥1,096,734.31	−¥2,748.70
Regency FX	156.6449	$0.00	¥1,096,514.41	−¥2,968.60
Wise	157.0750	$33.19	¥1,094,312.00	−¥5,171.01
Wells Fargo	152.1511	$0.00	¥1,065,058.00	−¥34,425.01

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	156.8604	–	¥1,098,022.70
Key Currency Cheapest	156.4682	$0.00	¥1,095,277.64	−¥2,745.06
Regency FX	156.4369	$0.00	¥1,095,058.03	−¥2,964.67
Wise	156.8450	$33.19	¥1,092,709.00	−¥5,313.70
Wells Fargo	151.9716	$0.00	¥1,063,801.00	−¥34,221.70

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.1860	–	¥1,100,301.75
Key Currency Cheapest	156.7930	$0.00	¥1,097,550.99	−¥2,750.76
Regency FX	156.7616	$0.00	¥1,097,330.93	−¥2,970.82
Wise	157.1850	$33.19	¥1,095,078.00	−¥5,223.75
Wells Fargo	152.2138	$0.00	¥1,065,496.00	−¥34,805.75

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.7330	–	¥1,104,131.23
Xe Cheapest	157.4590	$0.00	¥1,102,213.00	−¥1,918.23
Key Currency	157.3387	$0.00	¥1,101,370.90	−¥2,760.33
Regency FX	157.3072	$0.00	¥1,101,150.08	−¥2,981.15
Wise	157.7450	$33.19	¥1,098,979.00	−¥5,152.23
Wells Fargo	152.8533	$0.00	¥1,069,973.00	−¥34,158.23

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.8795	–	¥1,105,156.51
Key Currency Cheapest	157.4848	$0.00	¥1,102,393.62	−¥2,762.89
Regency FX	157.4532	$0.00	¥1,102,172.59	−¥2,983.92
Wise	157.8900	$33.19	¥1,099,990.00	−¥5,166.51
Wells Fargo	152.9577	$0.00	¥1,070,704.00	−¥34,452.51

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.8595	–	¥1,105,016.78
Key Currency Cheapest	157.4649	$0.00	¥1,102,254.24	−¥2,762.54
Regency FX	157.4333	$0.00	¥1,102,033.23	−¥2,983.55
Wise	157.8600	$33.19	¥1,099,781.00	−¥5,235.78
Wells Fargo	152.9238	$0.00	¥1,070,467.00	−¥34,549.78

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.6545	–	¥1,103,581.51
Key Currency Cheapest	157.2604	$0.00	¥1,100,822.55	−¥2,758.96
Regency FX	157.2288	$0.00	¥1,100,601.84	−¥2,979.67
Wise	157.6800	$33.19	¥1,098,527.00	−¥5,054.51
Wells Fargo	152.6042	$0.00	¥1,068,229.00	−¥35,352.51

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.5625	–	¥1,102,937.53
Key Currency Cheapest	157.1686	$0.00	¥1,100,180.18	−¥2,757.35
Regency FX	157.1371	$0.00	¥1,099,959.60	−¥2,977.93
Wise	157.5850	$33.19	¥1,097,865.00	−¥5,072.53
Wells Fargo	152.6673	$0.00	¥1,068,671.00	−¥34,266.53

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.8240	–	¥1,104,767.80
Key Currency Cheapest	157.4294	$0.00	¥1,102,005.88	−¥2,761.92
Regency FX	157.3978	$0.00	¥1,101,784.93	−¥2,982.87
Wise	157.8400	$33.19	¥1,099,641.00	−¥5,126.80
Wells Fargo	152.9143	$0.00	¥1,070,400.00	−¥34,367.80

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.7720	–	¥1,104,403.66
Xe Cheapest	157.5301	$0.00	¥1,102,710.70	−¥1,692.96
Key Currency	157.3775	$0.00	¥1,101,642.65	−¥2,761.01
Regency FX	157.3460	$0.00	¥1,101,421.77	−¥2,981.89
Wise	157.7750	$33.19	¥1,099,188.00	−¥5,215.66
Wells Fargo	152.8804	$0.00	¥1,070,163.00	−¥34,240.66

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.1630	–	¥1,107,141.15
Xe Cheapest	157.8970	$0.00	¥1,105,279.00	−¥1,862.15
Key Currency	157.7676	$0.00	¥1,104,373.29	−¥2,767.86
Regency FX	157.7360	$0.00	¥1,104,151.87	−¥2,989.28
Wise	158.1700	$33.19	¥1,101,940.00	−¥5,201.15
Wells Fargo	152.8804	$0.00	¥1,070,163.00	−¥36,978.15

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	157.9535	–	¥1,105,674.51
Key Currency Cheapest	157.5586	$0.00	¥1,102,910.33	−¥2,764.18
Regency FX	157.5270	$0.00	¥1,102,689.19	−¥2,985.32
Wise	157.9600	$33.19	¥1,100,477.00	−¥5,197.51
Wells Fargo	152.9952	$0.00	¥1,070,967.00	−¥34,707.51

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.0155	–	¥1,106,108.52
Xe Cheapest	157.7551	$0.00	¥1,104,285.70	−¥1,822.82
Key Currency	157.6205	$0.00	¥1,103,343.25	−¥2,765.27
Regency FX	157.5889	$0.00	¥1,103,122.03	−¥2,986.49
Wise	158.0250	$33.19	¥1,100,930.00	−¥5,178.52
Wells Fargo	153.1018	$0.00	¥1,071,713.00	−¥34,395.52

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.5050	–	¥1,109,535.28
Key Currency Cheapest	158.1088	$0.00	¥1,106,761.44	−¥2,773.84
Regency FX	158.0771	$0.00	¥1,106,539.53	−¥2,995.75
Wise	158.4800	$33.19	¥1,104,100.00	−¥5,435.28
Wells Fargo	153.4521	$0.00	¥1,074,164.00	−¥35,371.28

Sun, Nov 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.4750	–	¥1,109,325.28
Key Currency Cheapest	158.0789	$0.00	¥1,106,551.97	−¥2,773.31
Regency FX	158.0472	$0.00	¥1,106,330.10	−¥2,995.18
Wise	158.4800	$33.19	¥1,104,100.00	−¥5,225.28
Wells Fargo	153.4521	$0.00	¥1,074,164.00	−¥35,161.28

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.1185	–	¥1,106,829.51
Xe Cheapest	157.8692	$0.00	¥1,105,084.40	−¥1,745.11
Key Currency	157.7232	$0.00	¥1,104,062.44	−¥2,767.07
Regency FX	157.6916	$0.00	¥1,103,841.07	−¥2,988.44
Wise	158.1300	$33.19	¥1,101,662.00	−¥5,167.51
Wells Fargo	153.1810	$0.00	¥1,072,267.00	−¥34,562.51

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	158.0380	–	¥1,106,266.08
Key Currency Cheapest	157.6429	$0.00	¥1,103,500.41	−¥2,765.67
Regency FX	157.6113	$0.00	¥1,103,279.16	−¥2,986.92
Wise	158.0350	$33.19	¥1,101,000.00	−¥5,266.08
Wells Fargo	153.1810	$0.00	¥1,072,267.00	−¥33,999.08