Send Money Overseas Safely
Use a bank or registered remittance provider and verify recipient details, purpose, total fees, exchange rate, and received amount before sending.
Procedure at a glance
- Who this is for
- Residents sending money from Japan to family or their own account abroad
- Deadline
- Check provider verification, cutoff, cancellation, and delivery estimates
Do this todaySet country, currency, amount, desired date, and receipt method
If the deadline is near or passedIf funds do not arrive or were sent incorrectly, contact the provider immediately with the reference and time, and ask about cancellation, tracing, and beneficiary checks.
Where to goOfficial bank or registered funds-transfer provider channel
Step-by-step guide
Follow these steps
Progress: 0/3 completed
1Confirm your case and deadlineChoose a remittance provider / Compare fees and received amount
What to do
- 1Verify the bank or transfer provider is registered in Japan using FSA information, then compare only providers supporting the destination, currency, limit, and receipt method
- 2At the same time compare and save transfer fee, intermediary or recipient charges, exchange rate, estimated receipt, arrival time, and cancellation terms
Check before you start
- Set country, currency, amount, desired date, and receipt method
- Confirm recipient name, address, bank, account, and SWIFT details directly
- Compare total paid and estimated received amount through banks or registered providers
If the deadline is near or passed
- If funds do not arrive or were sent incorrectly, contact the provider immediately with the reference and time, and ask about cancellation, tracing, and beneficiary checks.
2Prepare the office and documentsSubmit identity documents / Review transfer details
What to do
- 1Prepare requested identity, My Number, purpose, and source-of-funds evidence, and submit name and address exactly as registered
- 2Before sending, confirm each recipient, bank, branch code, account, country, address, and currency field with the recipient; do not send if irreversible or suspicious
Basic items to bring
- Residence card and ID
- My Number or other lawfully requested information
- Accurate recipient and bank details
- Evidence of purpose and relationship
- Source-of-funds evidence when requested
- Quote, conditions, and receipt number
Fees
- Compare the total of transfer fees, exchange rate, receiving fees, and intermediary-bank fees; do not judge by the displayed rate alone.
Online options
- Use only the registered provider's official app or site. Verify provider identity, registration, beneficiary details, and cancellation terms before sending.
If you cannot go
- Identity and purpose checks apply. Do not use another person's name or arrange proxy remittance without the provider's confirmation.
If documents are missing
- If a document is missing, do not guess or substitute it. Tell the office its exact name and ask whether you can consult first, submit it later, and where to obtain it.
3Confirm completion and the next deadlineSave and share the receipt / Trace a delayed transfer
What to do
- 1After sending verify the reference, date, currency, total paid, estimated receipt, and recipient on the receipt, then share the receipt and provider contact
- 2If overdue, confirm non-receipt and ask the provider to trace using the reference, date, and amount; do not answer requests for an extra transfer, and save the result
Confirm at completion
- Recipient, account, currency, total paid, and estimated receipt were verified
- Receipt and details are saved with a delivery or tracking method
What you receive
- Check the reference, sent amount, applied rate, fee breakdown, beneficiary, expected date, and actual amount received.
Check before leaving
- Before leaving, check your name, address, covered period, and procedure type, then ask about the next deadline and contact method.
Records to keep
- Keep the reference number, filing date, office, copies of submitted documents, and next contact date. Save confirmation screens and emails for online filings.
Next action
- Even for repeated transfers, recheck beneficiary details and restrictions, and keep transaction records and evidence of purpose.
Confirm with the official office
- This page cannot determine the latest form, appointment and hours, municipality-specific additions, individual review, or same-day handling. Confirm these immediately before filing.
- Country, currency, amount, purpose, funds, ID, receipt method, fees and rate
Important cautions
- Do not use another person's account, social-media-only offers, or unverified providers
- Recipient, account, or currency errors can be difficult to reverse
- Eligibility, limits, documents, fees, and rates vary by provider, country, and purpose
Useful Japanese phrases
International remittance check
海外送金をしたいです。手数料、為替レート、必要書類、受取額を教えてください。
Kaigai sokin o shitai desu. Tesuryo, kawase reto, hitsuyo shorui, uketori-gaku o oshiete kudasai.
I would like to send money abroad. Please tell me the fee, exchange rate, documents, and amount received.
Send Money Overseas Safely
この件について相談したいです。必要なものと次に行く場所を教えてください。
Kono ken ni tsuite sodan shitai desu. Hitsuyo na mono to tsugi ni iku basho o oshiete kudasai.
I would like to ask about this issue. Please tell me what I need and where I should go next.
Official sources
Useful next guides
Income Tax Return Basics
Confirm eligibility, deadlines, and documents with the NTA or tax office.
Open a Bank Account
Prepare residence card, address, and employer or school details.
Pension Lump-sum Withdrawal When Leaving Japan
Check eligibility, the two-year claim window, tax handling, and the effect on future pension records.
Pension Procedures
Check enrollment, exemptions, and lump-sum withdrawal with Japan Pension Service.