# Send money from Japan to India: providers, fees and rates compared

URL: https://japanhow.com/money/remittance/send-money-japan-to-india/
Author: japanhow editors
Updated: Oct 20, 2026

## Summary

As of October 2026, Remitly gave the most rupees on our ¥100,000 sample to an Indian bank account: INR 59,636 after a ¥90 fee, for a returning customer paying by bank transfer. Western Union gave INR 59,370, SBI Remit INR 59,332 and Wise INR 59,283. Remitly also pays to UPI. Brastel (¥1,280) and KYODAI (¥1,480) publish fees, but we couldn't record their rates. Japan Post Bank charges ¥3,000 per transfer. Rates change daily.

## Key facts

- Most received on our sample: INR 59,636 (Remitly)
- Gap between best and worst app: About INR 350
- UPI payout: Remitly
- Japan Post Bank fee: ¥3,000

To send money from Japan to India, use a **registered money transfer company (資金移動業者)** from its app or website. On our sample of **¥100,000 sent on October 20, 2026**, **Remitly** gave the most to an Indian bank account: **INR 59,636** after a ¥90 fee. Western Union, SBI Remit and Wise were within about INR 350 of that. Japan Post Bank charges ¥3,000 before its rate. You need your residence card (在留カード) and My Number (個人番号), as of October 2026.

## How much does ¥100,000 to India cost?

We priced ¥100,000 paid in total by bank transfer, using quotes captured between 02:31 and 02:38 JST on October 20, 2026. Where a provider adds the fee on top, we took it out of the ¥100,000 first. Wise's mid-market rate at that moment was 1 JPY = 0.598977 INR. Rates change every day.

| Provider | Fee | Rate (1 JPY =) | Recipient gets (bank) | Total cost |
|---|---|---|---|---|
| Remitly | ¥90 | 0.5969 INR | INR 59,636 | 0.44% |
| Western Union | ¥800 | 0.5985 INR | INR 59,370 | 0.88% |
| SBI Remit | ¥1,000 | 0.5993 INR | INR 59,332 | 0.95% |
| Wise | ¥1,027 | 0.598977 INR | INR 59,283 | 1.03% |

Total cost compares what arrives with ¥100,000 at the mid-market rate. Remitly's figure is the regular price for a returning customer. New customers got a promotional rate of 0.5997 INR and no fee on their first ¥100,000.

Cash pickup: SBI Remit's cash rate was the same as its bank rate, so ¥100,000 gave INR 59,332. Western Union's cash rate was 0.5930 INR, so ¥100,000 gave INR 58,824.

### Fee only, rate not captured

| Provider | Fee for ¥100,000 | Payouts |
|---|---|---|
| Brastel Remit | ¥1,280 | Bank only (up to INR 495,000) |
| KYODAI Remittance | ¥1,480 | Bank, cash pickup |
| Seven Bank with Western Union | ¥1,950 cash pickup | Western Union agents |
| Japan Post Bank | ¥3,000, plus possible intermediary charges | Bank (SWIFT) |
| MUFG Bank (online) | ¥3,000, plus 0.050% (min ¥2,500) if sent in yen | Bank (SWIFT) |

Instarem also sends from Japan to India, from its app, for ¥5,000 to ¥1,000,000 per transfer. Its public calculator didn't give a clear price for ¥100,000, so we haven't compared it.

## Which provider is best for India?

We score each provider with a full price on the sample, using our [remittance method](/money/remittance/send-money-from-japan/): total cost (30%), speed (15%), payout options (15%), sign-up for foreigners (15%), support (10%) and regulation (15%). "n/a" means no evidence, and it's left out of the average.

| Provider | Cost | Speed | Payouts | Sign-up | Support | Regulation | Overall |
|---|---|---|---|---|---|---|---|
| Remitly | 8.7 | n/a | 9 | 8 | 7 | 10 | **8.7** |
| Western Union | 7.4 | n/a | 6 | 7 | 7 | 10 | **7.5** |
| Wise | 6.9 | 9 | 4 | 8 | 8 | 10 | **7.5** |
| SBI Remit | 7.2 | 6 | 6 | 7 | 7 | 10 | **7.2** |

- **Remitly:** most rupees on our sample, with bank, cash pickup and UPI; no published delivery times.
- **Western Union:** second-best bank figure, plus cash pickup; no wallet option on our quote.
- **Wise:** mid-market rate and usually fast, but bank accounts only.
- **SBI Remit:** bank (NEFT) or cash pickup; bank transfers take 10 minutes to 3 business days.

All four are registered with the FSA: Remitly Japan (Kanto 00077), Western Union Japan (Kanto 00039), Wise Payments Japan (Kanto 00040) and SBI Remit (Kanto 00008).

**Best for:**

- **Most rupees to a bank account:** Remitly.
- **UPI:** Remitly, the only provider here that lists it.
- **Cash pickup:** SBI Remit, whose cash rate matched its bank rate on our sample.

## How does the money arrive in India?

- **Bank account:** every provider here. SBI Remit pays to banks in NEFT and needs the IFSC code, account number and recipient's name. Brastel says 1 to 3 business days.
- **UPI:** Remitly lists UPI. Wise's India page doesn't mention it.
- **Cash pickup:** SBI Remit through MoneyGram, usually about 10 minutes but sometimes up to two days. Western Union and KYODAI also offer cash pickup.

**Check the IFSC code:** SBI Remit asks for the IFSC code, account number and recipient's name, and it charges ¥1,000 when a remittance error forces a cancellation, according to its Vietnam page. Copy the details from the recipient's passbook or banking app.

## How do I send money to India step by step?

## Can I pay in cash without a bank transfer?

Yes, with some providers. This helps if you're new in Japan and your [bank account](/money/banking/bank-account-for-foreigners-japan/) isn't ready yet.

- **SBI Remit at FamilyMart:** pay cash at the Multi Copier with a 17-digit order number, up to ¥100,000 per deposit, 07:00 to 21:00. The deposit fee is ¥800 for ¥50,000 to ¥100,000, on top of the remittance fee.
- **SBI Remit's Remit Card:** deposit at Japan Post ATMs for ¥330 up to ¥50,000 and ¥500 above, or at Lawson Bank ATMs for ¥300.
- **Brastel's free card:** deposit at Japan Post Bank ATMs for ¥440 (¥1,000 to ¥110,000).
- **Seven Bank ATMs:** since May 2026, KYODAI customers can deposit cash at Seven Bank ATMs with a card or the スマホATM smartphone service.
- **Western Union:** accepts cash at convenience stores (コンビニ払い).

Remitly doesn't accept cash at ATMs or credit cards from Japan. Wise is cheapest when you pay by bank transfer; a debit card raised its fee on our sample to about ¥3,700 to ¥4,900.

## What do I need to sign up in Japan?

- **Residence card (在留カード).** Wise, SBI Remit, Western Union, Remitly and Brastel accept it as ID for foreign residents.
- **My Number.** The overseas transfer reporting law requires it for every transfer abroad, including through money transfer companies. Remitly takes a My Number card or residence card, plus a selfie and a short video.
- **A way to pay in yen.** Remitly takes bank transfers and Japan-issued Visa or Mastercard debit cards. The cash options are above.

Each transfer through a Type 2 provider is capped at ¥1,000,000 by law. For each transfer over ¥1,000,000, your provider files a report with the tax office. For tax questions, ask a tax accountant (税理士). Our [send money from Japan guide](/money/remittance/send-money-from-japan/) explains the limits and the cash options.

More guides: [send money from Japan to Pakistan](/money/remittance/send-money-japan-to-pakistan/), [send money from Japan to Nepal](/money/remittance/send-money-japan-to-nepal/) and [the pension refund when you leave Japan](/money/pension/pension-refund-japan/).

## Questions people ask

### What is the best way to send money from Japan to India?

For a bank account, the four app providers we priced were close: INR 59,283 to 59,636 for ¥100,000 on October 20, 2026, with Remitly highest. Japan Post Bank's ¥3,000 fee alone is more than any of their total costs on our sample.

### What are the charges for a Japan to India money transfer?

On ¥100,000: Remitly ¥90, Western Union ¥800, SBI Remit ¥1,000, Wise ¥1,027, Brastel ¥1,280, KYODAI ¥1,480 and Japan Post Bank ¥3,000. The exchange rate adds a further cost, so compare the amount in rupees.

### Can I send money from Japan to India with Wise?

Yes, to an Indian bank account. On our sample Wise charged ¥1,027 at the mid-market rate of 0.598977 INR, giving INR 59,282.55. Wise's India page doesn't mention UPI or cash pickup.

### Is there tax on sending money from Japan to India?

Japan's rules here are about reporting: your provider reports each transfer over ¥1,000,000 to the tax office. Whether any tax applies depends on your situation, so ask a tax accountant (税理士) in Japan or a tax adviser in India. This guide doesn't cover Indian tax.

## Sources

- [資金移動業者登録一覧 (as of Aug 31, 2026)](https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.xlsx), 金融庁 (FSA) (accessed Oct 20, 2026)
- [資金決済に関する法律施行令, art. 12-2](https://laws.e-gov.go.jp/law/422CO0000000019), e-Gov 法令検索 (accessed Oct 20, 2026)
- [国外送金等調書法 (Overseas Wire Transfer Statement Act)](https://laws.e-gov.go.jp/law/409AC0000000110), e-Gov 法令検索 (accessed Oct 20, 2026)
- [国外送金等調書法施行令, arts. 2 and 8](https://laws.e-gov.go.jp/law/409CO0000000363), e-Gov 法令検索 (accessed Oct 20, 2026)
- [Send money to India (calculator)](https://wise.com/jp/send-money/send-money-to-india), Wise (accessed Oct 20, 2026)
- [Getting verified in Japan](https://wise.com/help/articles/2968293/getting-verified-in-japan), Wise (accessed Oct 20, 2026)
- [Remittance fee](https://www.remit.co.jp/en/kaigaisoukin/exchangeratecommission/commission/), SBI Remit (accessed Oct 20, 2026)
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- [Fees](https://kyodairemittance.com/fees), KYODAI Remittance (accessed Oct 20, 2026)
- [Fees](https://brastelremit.jp/eng/fees), Brastel Remit (accessed Oct 20, 2026)
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- [International Money Transfer Service (with Western Union)](https://www.sevenbank.co.jp/soukin/en/wu/), Seven Bank (accessed Oct 20, 2026)
- [Maximum amount and receiving locations](https://www.sevenbank.co.jp/soukin/en/location/), Seven Bank (accessed Oct 20, 2026)
- [Remittance to Vietnam (cancellation fee)](https://www.remit.co.jp/en/kaigaisoukin/sendremittance/remittancearea/vietnam/), SBI Remit (accessed Oct 20, 2026)
- [Instarem Japan](https://www.instarem.com/en-jp/), Instarem (accessed Oct 20, 2026)
- [Deposit fee](https://www.remit.co.jp/en/kaigaisoukin/exchangeratecommission/deposit/), SBI Remit (accessed Oct 20, 2026)
- [Convenience store remittance](https://www.remit.co.jp/en/kaigaisoukin/sendremittance/method/famiport/), SBI Remit (accessed Oct 20, 2026)
- [ATM tie-ups with Unidos, Queen Bee Capital and Dicommunications (May 1, 2026)](https://digitalpr.jp/r/133924), Seven Bank (accessed Oct 20, 2026)
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