How to send money to Germany from Japan with the best JPY-EUR rate

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

Right now, for JPY/EUR

• Wise is our top pick for sending JPY to EUR. Sending 1,000,000 JPY to Euros will cost you ¥7134 in fees, and you will receive 5,375.13 EUR. The delivery time is within an hour.

• Cheapest way to send money to Germany from Japan is with Regency FX. The cost is made up of a fee of 0 JPY and an exchange rate for buying Euro with Yen that is 0.27% different to the mid-market rate.

• Fastest way to transfer money from Japan to Germany is with Revolut

Our analysis included 8 providers that operate between Japan and Germany.

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

The exchange rate determines how many JPY the recipient will get in Germany when you send Yen.

Today, the average exchange rate between Yen and Euro is 0.0054. The company offering the best exchange rate is Regency FX.

The JPY-EUR rate fluctuates constantly, so timing your transfer to Germany can help you save a lot of money.

The total cost of sending money to Germany from Japan is a mix of the mid-market, exchange rates and transfer fees.

• The Mid-Market and Exchange Rates: The mid-market for JPY-EUR is 0.0054 EUR per Yen.

• Fees: When sending money there may be additional fees. Regency FX offers the lowest fee of the 8 providers tested, costing 0 JPY per transfer (based on ¥1,000,000 transferred).

• Amount Received: When comparing providers, the best measure is the amount of Euro eventually received in Germany.

Sometimes, waiting a day or two can help you get more EUR for the same amount of JPY. You can also opt for a forward contract to lock in rates between Japan and Germany.

A bank transfer is the most cost effective option for sending money from Japan to Germany.

Here are all the ways to send money from Japan to Germany:

Bank transfers

The default option for sending money from Japan to Germany is often a bank transfer.

Using a money transfer company, such as Regency FX for transfers from Japan to Germany, allows for sending via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

Sending money from Japan to Germany with a prepaid or debit card is easy with .


is a leader in accepting card payments for transfers between Japan and Germany.

Credit cards

When it comes to international credit card transfers from Japan to Germany, we recommend comparing your options to get the best deal.

Always choose providers that are regulated by financial authorities to ensure funds are safe when transferring from Japan to Germany.

If you don’t know what the key regulatory bodies for money transfers are between Japan and Germany, please refer to our directory of financial regulators worldwide.

Some services have limits on how much you can transfer from Japan to Germany. This applies when receiving money in Germany as well.

Different companies will offer different rates or lower fees for different transfer amounts.

For example, we recommend using Wise if you need to send large amounts of JPY to Germany.

This being said, always check with the recipient and understand any declarations needed on large amounts of money leaving Japan, or entering Germany.

There are different ways to receive money in Germany. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account.

If you (or the recipient) want a direct transfer to your bank account, Wise is the best money transfer company for bank transfers between Japan and Germany.

And if you need cash right away, check if cash pickup is an option for transfers between Japan and Germany.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Regency FX.

When you're sending or receiving money between Japan and Germany, you have to be ready to show some ID.

The exact documents you need might vary. Usually in Japan this will be a government ID like a passport or driver's license. This will be similar if you need to open an account or collect cash in Germany.

If you're making a big transaction between Japan and Germany, a provider may ask you for proof of address or may want to know where your money comes from.

Wise is a great option for sending from Japan as the sign up process is pretty straightforward, even for larger transactions.

When sending large amounts of money between Japan to Germany there will be tax implications to consider.

Some JPY-EUR transfers may need to be reported to tax authorities, particularly where inheritance or property sales are involved.

Tax limits and personal allowances differ in Germany based on age, income and a few other elements. When in doubt, please contact a tax professional in Japan or Germany to discuss your personal circumstances.