MoneySending money home

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

To send money from Japan to India, Remitly gave the most on our ¥100,000 sample (INR 59,636). Wise, SBI Remit and Western Union compared, October 2026.

Indian 500-rupee banknotes spread out

By japanhow editors Updated 6 min read

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
Short answer

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.

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: 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.

How do I send money to India step by step?

Sending money from Japan to India
  1. You Pick a registered provider Check the FSA list
  2. You Verify your identity Residence card + My Number
  3. You Add the recipient bank account (IFSC code), UPI or cash pickup
  4. You Pay in yen Bank transfer, ATM card or konbini
  5. Recipient Money arrives Bank: 10 minutes to 3 business days

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 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 explains the limits and the cash options.

More guides: send money from Japan to Pakistan, send money from Japan to Nepal and the pension refund when you leave 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

  1. 資金移動業者登録一覧 (as of Aug 31, 2026), 金融庁 (FSA) (accessed Oct 20, 2026)
  2. 資金決済に関する法律施行令, art. 12-2, e-Gov 法令検索 (accessed Oct 20, 2026)
  3. 国外送金等調書法 (Overseas Wire Transfer Statement Act), e-Gov 法令検索 (accessed Oct 20, 2026)
  4. 国外送金等調書法施行令, arts. 2 and 8, e-Gov 法令検索 (accessed Oct 20, 2026)
  5. Send money to India (calculator), Wise (accessed Oct 20, 2026)
  6. Getting verified in Japan, Wise (accessed Oct 20, 2026)
  7. Remittance fee, SBI Remit (accessed Oct 20, 2026)
  8. Current exchange rates (2026/10/20 02:31), SBI Remit (accessed Oct 20, 2026)
  9. Remittance to India, SBI Remit (accessed Oct 20, 2026)
  10. Western Union Japan (home page and price calculator), Western Union Japan (accessed Oct 20, 2026)
  11. Send money to India from Japan (page and calculator), Remitly (accessed Oct 20, 2026)
  12. Fees, KYODAI Remittance (accessed Oct 20, 2026)
  13. Fees, Brastel Remit (accessed Oct 20, 2026)
  14. The smartest app to send money from Japan, Brastel Remit (accessed Oct 20, 2026)
  15. International Money Transfer Service (with Western Union), Seven Bank (accessed Oct 20, 2026)
  16. Maximum amount and receiving locations, Seven Bank (accessed Oct 20, 2026)
  17. Remittance to Vietnam (cancellation fee), SBI Remit (accessed Oct 20, 2026)
  18. Instarem Japan, Instarem (accessed Oct 20, 2026)
  19. Deposit fee, SBI Remit (accessed Oct 20, 2026)
  20. Convenience store remittance, SBI Remit (accessed Oct 20, 2026)
  21. ATM tie-ups with Unidos, Queen Bee Capital and Dicommunications (May 1, 2026), Seven Bank (accessed Oct 20, 2026)
  22. 料金 (国際送金), ゆうちょ銀行 (accessed Oct 20, 2026)
  23. 外為手数料（個人のお客さま）, 三菱UFJ銀行 (accessed Oct 20, 2026)

Spotted something out of date or wrong? Email hello@japanhow.com and we will check it against the source. See our corrections policy.

Photo by rupixen on Unsplash

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