Transferring Money to and from Japan

Updated: Jun 22, 2018

Transferring money between Japan and the US can be really easy or overly complicated depending on how you do it and what direction your money is going. Let's try to make it as simple as possible.

From the US:

  • Goto any Japan Post ATM, or Convenience store ATM (Both have English options).

  • Use your bank card to withdraw money from your American account. Bank Fees and exchange rates apply.

*Make sure to inform your bank that you will be traveling so that they don't lock your account for suspicious activity.

To the US:

While there are several ways to transfer money back to your home country, we will focus on using the service we are most familiar with and have found to be easy and affordable. We may look at other methods more closely at a later date.


  • Setup an account with Transferwise (use this link: Transferwise )

  • Use Transferwise App or website to connect your bank information in America.

  • Initiate transfer from the App or website.

  • Goto your Japanese bank to perform a furikomi (bank transfer)

  • Be sure to use the information provided and put your reference number in by selecting the option to change your name. Place the reference number AFTER your name.

*Can also use other services like Western Union.

Doing a Furikomi (bank transfer) at Japan Post ATM:

*first transfer may require teller assistance from the post office to ensure proper forms are filled out.

** ATM money transfers must be done in Japanese at this time, English menu allows for remittances but requires information you don't have.

***use the camera live translate feature of Google Translate app to assist you through the menu.

Step By Step Transfer

from Japan Post Bank ATM to Trasferwise

1. Select furikomi.

Japan Post ATM starting screen

2. Select transfer to other lines (other banks) bank account.

3. Accept disclaimer and insert passbook or card.

4. Type your pin number.

5. Select bank you are transferring to (if using Transferwise, select Mitsubishi UFJ).

6. Select bank branch by typing the first corresponding hiragana to the branch name (if using Transferwise, select Ebisu Branch from second page of options).

Go to next page for Ebisu branch

7. Select account type (Normal Savings).

8. Input account number to transfer to (provided by Transferwise).

9. Input yen amount to transfer.

Enter amount to transfer

click to continue

Confirm Amount

10. Accept bank fee and notice of day money will be transferred. (date may vary depending on time of transfer, weekend or holidays).

11. Verify your name on the account (If using Transferwise, change this to include your name followed by your reference number).

Click to change name

select for English

Enter your name and Transferwise reference number

11. Verify name and reference number.

12. Input your Japanese contact phone number.

13. Accept disclaimer.

14. Verify information.

15. Save information to repeat transfer another time or don't, either is ok.

I honestly haven't figured out how to reuse the information to repeat a transfer yet. I just go through this process every time.

And finished!

2,386 views0 comments

Recent Posts

See All