Sending insights
Country guides and cross-corridor analyses that show the real cost of sending — including the FX margin.
Costs and providers
9 Providers Compared
A side-by-side guide to the nine providers tracked by yensend.jp, covering operator background, strengths, weaknesses, corridor coverage, and ideal use cases. We do not publish fixed fee or FX-margin numbers — for current figures, refer to the updated yensend.jp comparison board.
True Sending Cost
What's actually disappearing from your ¥100,000 transfer — 2026 cost reality across 6 corridors
"Zero fee" is not cheap. Once you include FX markup, the true cost can be 3-10× the headline fee. Based on yensend.jp's timestamped data feed, this is what really happens to your money across PHP / VND / KRW / NPR / CNY / TWD.
Rules and procedures
My Number and reports to the tax office
Why do you need My Number to send money abroad from Japan, and what is reported above 1 million yen?
My Number is one of the items on the notification form (告知書) that the law asks for with each overseas transfer. When a transfer is over ¥1,000,000 (1 million yen), the provider that sent it files a report with the tax office. Both steps are set by law. If you know how they work, you can prepare calmly.
Dependent deduction and remittance records
Claiming family overseas as dependents in Japan: what remittance records do you need?
To claim a family member living overseas for the dependent deduction (扶養控除), you need a document that shows the person is your relative and a record of money you sent to that person in that year. A record is needed for each family member, and it counts for the year of the date you sent the money.
The 1 million yen per-transfer cap
Why do remittance apps in Japan cap transfers at 1 million yen?
The ¥1,000,000 (1 million yen) line is the cap for Type 2 funds transfer services (第二種資金移動業) under the Payment Services Act (資金決済法). A company that also holds Type 1 can go above it in some cases, but some of these companies keep personal transfers at ¥1,000,000. Each company's limits per period and the limits at the destination also apply on top.
Transfers that do not arrive or come back
Money sent abroad from Japan has not arrived or came back: what to check, in order
A transfer is delayed at one of these points: the payment, the checks by the remittance company, a bank on the way, or the receiving bank. Cancellation and recall (組戻し) have time limits and fees. The amount that comes back depends on the company and the way you sent, because the conversion rate and the fees deducted differ.
Kinds of fees on a bank transfer
How many kinds of fees are taken from an overseas bank transfer from Japan?
The cost of an overseas remittance from a bank is not only the sending bank's remittance fee. There is a fee for sending in yen as it is, a fee included in the exchange rate, and fees of the intermediary banks on the way and of the receiving bank. For the last two, the amount may not be fixed at the time you send.
By country
Philippines
Sending Money from Japan to the Philippines — A Complete 2026 Guide for OFWs and Filipino Residents
The Philippines is a major OFW corridor with one of the largest sender communities, including approximately 357,000 Filipinos living in Japan. We use timestamped data from the current provider set to map which routes to BPI, BDO, GCash, or cash pickup actually save the most money.
Vietnam
Japan to Vietnam Remittance Guide 2026 — Lower-cost and faster ways to Send VND
For technical intern trainees, students, and specified-skilled-worker visa holders. Compare the updated VND provider set for sending JPY to Vietnam, including Vietcombank, BIDV, and Agribank receiving channels — with the real total cost broken out.
Korea
Sending money from Japan to Korea — 2026 cost guide for Korean residents and students
When you send JPY to family in Korea, compare the current KRW provider set by the amount that actually lands in the recipient account. yensend.jp breaks down headline fees and FX markup using timestamped data.
Nepal
Sending Money from Japan to Nepal — Complete 2026 Guide for the Nepalese Community in Japan
The Japan-to-Nepal corridor has a narrower current provider set, which makes choosing the right one matter more than on larger corridors. We break down FX margins, payout networks, eSewa support, and the IME Pay reality using timestamped data from yensend.jp.
China
Sending money from Japan to China — CNY transfer guide 2026
Japan-to-China remittance is available on yensend.jp. Compare JPY→CNY by total cost, then confirm recipient bank, Alipay, or WeChat requirements on the provider's official screen before sending.
Taiwan
Sending money from Japan to Taiwan — TWD transfer guide 2026
Taiwan is available on yensend.jp with a Bank of Taiwan midpoint reference when a Wise mid-market row is unavailable. Compare JPY→TWD by total cost and confirm the recipient bank details before sending.