Best ways to send money to Japan

We've compared the cheapest, fastest and safest ways to send money to Japan from the United Kingdom. Take a look at our comparison table and our detailed review below.

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Comparing 11 providers for your transfer of £5000 GBP to JPY

Provider
Trustpilot
Speed
Total cost
Amount received when sending £5,000
Go to provider
1 min ago
2-3days
£ 30.13GBPshow more
¥1,047,422.53JPY
1 min ago
1 min ago
1-3days
£ 36.55GBPshow more
¥1,046,089.00JPY
1 min ago
9 hrs ago
Varies
£ 40.37GBPshow more
¥1,045,296.00JPY
9 hrs ago
1 min ago
2-3days
£ 50.46GBPshow more
¥1,043,207.55JPY
1 min ago
1 min ago
0-2days
£ 102.83GBPshow more
¥1,032,500.00JPY
1 min ago
50 mins ago
Varies
£ 114.69GBPshow more
¥1,030,107.00JPY
50 mins ago
50 mins ago
Varies
£ 115.05GBPshow more
¥1,030,033.00JPY
50 mins ago
5 hrs ago
Varies
£ 132.33GBPshow more
¥1,026,486.00JPY
5 hrs ago
19 hrs ago
Varies
£ 140.34GBPshow more
¥1,024,967.00JPY
19 hrs ago
49 mins ago
Varies
£ 241.82GBPshow more
¥1,005,096.00JPY
49 mins ago

How we found the best ways to send money


Our database includes 27 secure providers. For your specific transfer of £5000 from GBP to JPY, we found 11 providers that support this route and for the amount you want to send. We sort these by the cheapest total cost, displaying the freshest data available, whether via direct feed or manual collection. This process is never influenced by referral fees, ensuring you get a fair and transparent comparison every time. Learn more

Quick Verdict: The best ways to send money to Japan

CategoryWinnerKey Stats
💰Cheapest CostWiseTotal Fees:
£20.96
📈Best Exchange RateWiseRate:
210.7470
Fastest TransferWiseTime:
Instant-2 Days
Customer FavouriteTorFXTrustScore:
4.9/5

You can send money to Japan with a bank, or you can choose a specialist transfer provider. Often, these providers offer a faster, more efficient, and cheaper way to send money from the United Kingdom to Japan.

How to Send Money to Japan: Step-by-Step



The good news is that sending money to Japan is easier than ever. Plus you can usually do everything with your phone or laptop - with no need to stand in line at a bank or money changer’s office. Here’s how to send money to Japan in 5 simple steps:

  1. Choose a Money Transfer Service

    • Enter the amount of money you want to transfer into our comparison tool
    • Compare rates, fees, and delivery speed. You’ll see a range of options from reliable providers, so you can compare and pick the best for your specific transfer
    • Consider user reviews and security features

  2. Register with your chosen provider

    • Register with your chosen provider (e.g Wise, XE, OFX)
    • Verify your ID if required

  3. Enter Recipient Details

    • Add the recipient’s full name and bank details or email, depending on the method

  4. Select Amount and Currency

    • Choose how much to send and the currency (e.g. GBP to JPY)
    • Review exchange rates and fees upfront

  5. Pay for Your Transfer

    • Choose from options like bank debit, credit card, apple/google pay or bank transfer (depending on what's available from the provider)
    • Get confirmation and a tracking link if available
    • Notify your recipient if needed

You can send money from the United Kingdom to Japan using your bank, a specialist money transfer service, an e-wallet, or by visiting a physical money remittance store. Each option has different pros and cons, so the best for you will depend on your specific transfer and personal requirements.

The cheapest way to send money to Japan

Of the 11 providers we found for sending money to Japan, here is how the top 5 stack up based on cost.

ProviderTotal CostExchange Rate
Wise
(Cheapest Option)
£20.96210.7470
GBP to JPY
XE
(Runner Up)
£30.13209.4845
GBP to JPY
OFX
(Alternative)
£36.55209.2177
GBP to JPY
HSBC
(Alternative)
£40.37209.0592
GBP to JPY
TorFX
(Alternative)
£50.46208.6415
GBP to JPY

Why this matters

  • The Savings: Choosing Wise saves you 220.86 GBP compared to PayPal, which is the most expensive of the providers we reviewed.
  • The "Hidden" Cost: Always check the Exchange Rate + Upfront Fee. Some providers claim "zero fees" but hide costs in the rate.
  • The Interbank Rate: The current true market rate is 210.747.
Example: Most banks add a markup (often ~3%) to the market rate.

If the real rate is 210.747, a bank might offer you a rate of roughly 217.06941, keeping the difference for themselves.

Finding alternative ways to transfer money to Japan shouldn't be hard. Review our full list of cheap ways to send money to Japan to help you with your search.

The fastest way to send money Japan

Of the 11 providers we found for sending money to Japan from the United Kingdom, here is how the top 5 stack up based on speed.

ProviderEstimated Time
Wise
(Fastest Option)
Instant-2 Days
Remitly
(Runner Up)
0-2 Days
OFX
(Alternative)
1-3 Days
XE
(Alternative)
2-3 Days
TorFX
(Alternative)
2-3 Days

Speed comparison: banks vs digital providers

The fastest provider for transferring money to Japan is currently Wise, taking roughly Instant-2 Days.

Why is there such a big difference in speed?

  • Banks (usually slower): Most banks use the SWIFT network. This system passes your money through several intermediaries—like taking a flight with 3 layovers. It typically takes 3-5 working days.
  • Transfer Specialists (usually faster): Companies like Wise often have their own local bank accounts in both countries. They don't "send" the money across borders; they pay out from their local reserves instantly.

If speed is your priority, avoiding traditional banks is usually the best strategy.

The best rated provider to transfer money to Japan

Of the 11 providers we found for transferring money to Japan, here is how the top 5 stack up based on user reviews from Trustpilot.

ProviderTrustScoreVolume
TorFX
(Best Rated)
4.9 / 5
(Excellent)
3505 reviews
Remitly
(Runner Up)
4.6 / 5
(Excellent)
99480 reviews
HSBC
(Alternative)
4.5 / 5
(Excellent)
22168 reviews
XE
(Alternative)
4.4 / 5
(Excellent)
82285 reviews
Wise
(Alternative)
4.3 / 5
(Excellent)
278980 reviews

How to read these reviews

When choosing a provider, don't just look at the score out of 5. You should also consider the Review Volume.

The "Trust Factor":

A provider like TorFX with a score of 4.9 and 3505 reviews is generally safer than a newer company with a perfect 5.0 rating but only 10 reviews.

Exchange rate trend between GBP/JPY

As with many currencies, the GBP/JPY exchange rate moves over time, due to changes in supply and demand. Exchange rate fluctuations can be caused by underlying shifts in how well the economy in the United Kingdom or Japan is doing, changes in political stability, or even simple speculation, where traders buy or sell currencies based on how they think trends are going to change.

Right now, £1 buys ¥210.747

1 GBP = 210.747 JPY

Loading chart data...

Conclusion

When it comes to choosing the best provider for sending money to Japan from the United Kingdom, it really depends on what your needs are.

The cheapest provider shown in our comparison table is Wise. If the transfer time is what you're interested in, then Wise is also the fastest way to transfer money to Japan. Wise can get your money to your recipient to Japan in Instant-2 Days.

If safety is what interests you the most when it comes to picking the best international money transfer provider to Japan, then all the providers we listed above are regulated by different financial institutions and should be safe to send money to Japan with.

FAQs: sending money to Japan

What details are needed to send money to Japan?
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How do I know if there any international money transfer limits in Japan?
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