Best Way to Send Money from Japan to India

Compare live JPY to INR exchange rates and fees from top providers. Find the cheapest and fastest way to send money from Japan to India.

What is the cheapest way to send money from Japan to India?

The cheapest way to send money from Japan to India is through Wise, SBI Remit, or Western Union, which offer competitive JPY to INR rates. SBI Remit is particularly popular among Indian workers in Japan due to its integration with SBI accounts in India.

JPY
Indian Rupee

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Tips for Sending Money from Japan to India

  • SBI Remit is especially popular for Indian workers in Japan due to direct integration with SBI accounts in India.
  • Use a Japanese bank account (Sumitomo Mitsui, Mizuho) for bank transfer funding — cheaper than cash or card.
  • Japanese postal banks (Japan Post Bank) also offer remittance services but digital providers are usually cheaper.
  • JPY amounts look large — verify the actual INR received, not just the quoted rate.

Regulatory Information

Japan Financial Services Agency (FSA) regulates all fund transfer service providers. Residence card (Zairyu Card) required. India has no receiving limit for NRE/NRO accounts under FEMA.

Frequently Asked Questions: Japan to India Transfers

How long does a money transfer from Japan to India take?
Most digital services deliver JPY to INR transfers within 1–3 business days. SBI Remit often delivers within 24 hours for SBI account holders in India.
Can I use a Japanese bank account to send money to India?
Yes, Wise and SBI Remit accept transfers from Japanese bank accounts. SBI Remit is available at convenience stores and through online banking in Japan.
What documents do I need to send money from Japan?
You need a valid residence card (Zairyu Card) or My Number card, and the recipient's Indian bank details. Japanese regulations require identification for all international transfers.

Rates and provider data updated daily. Page last reviewed: March 2026.

Reviewed by Tarika Chandel