Corridor USD → JPY · US dollar to Japanese yen
What does it cost to send US dollars to Japan?
On 15 October 2026, the most a recipient in Japan got for 1,000 USD was 156,092 JPY via Wise: a true cost of 11.67 USD (1.17%) including fee and rate markup. The last of 7 quotes cost 4.20%.
Transfer cost receipt · USD → JPY
Most to the recipient: Wise transfer service
- You send
- 1,000.00 USD
- Upfront fee
- −11.67 USD
- Amount converted
- 988.33 USD
- Rate given
- 157.94
- Mid-market when quoted
- 157.94
- Exchange-rate markup inside the rate
- 0.00 USD 0.00%
- True total cost
- 11.67 USD 1.17%
- Recipient gets
- 156,092 JPY
Picking the last quote in this ledger (PayPal) instead would leave the recipient 4,866 JPY short.
Snapshot indicative quotes retrieved 15 Oct 2026, 14:55 UTC. Quote collected 15 Oct 2026, 14:54 UTC; provider delivery estimate ~24 h. Source: Wise public comparison data.
Plain link to the provider's official site. No commission.
Every quote for 1,000 USD → JPY
Sorted by what the recipient gets. “True cost” adds the upfront fee to the money lost in the exchange rate versus the mid-market rate at the time each quote was collected.
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Wiseservice | 11.67 USD | 0.00% | 11.67 USD | 1.17% | 156,092 JPY | best |
| 2. Western Unionservice | 0.99 USD | 2.08% | 21.75 USD | 2.17% | 154,427 JPY | −1,665 JPY |
| 3. OFXservice | 5.00 USD | 1.95% | 24.41 USD | 2.44% | 154,007 JPY | −2,085 JPY |
| 4. Remitlyservice | 6.99 USD | 2.24% | 29.27 USD | 2.93% | 153,240 JPY | −2,852 JPY |
| 5. Wells Fargobank 2d old | 0.00 USD | 3.09% | 30.95 USD | 3.09% | 152,975 JPY | −3,117 JPY |
| 6. Xoomservice | 0.00 USD | 4.01% | 40.09 USD | 4.01% | 151,531 JPY | −4,561 JPY |
| 7. PayPalservice | 4.99 USD | 3.72% | 42.03 USD | 4.20% | 151,226 JPY | −4,866 JPY |
Does the cheapest option change with the amount?
| You send | Most to recipient | Best cost | Worst cost | Recipient gets (best) | Gap best vs worst | Quotes |
|---|---|---|---|---|---|---|
| 200 USD | Western Union | 2.56% | 8.80% | 30,763 JPY | 1,971 JPY | 7 |
| 1,000 USD | Wise | 1.17% | 4.20% | 156,092 JPY | 4,866 JPY | 7 |
| 5,000 USD | Wise | 0.52% | 4.01% | 785,716 JPY | 28,060 JPY | 7 |
What the USD → JPY numbers show
- The provider that delivers the most changes with the amount: Western Union at 200.00 USD, Wise at 1,000.00 USD, Wise at 5,000.00 USD. Fixed fees weigh heavily on small transfers; rate margins dominate large ones.
- At 200.00 USD, true cost ranged from 2.56% (Western Union) to 8.80% (Xoom); the recipient would get 1,971 JPY less with the last quote than with the first.
- Banks listed for this corridor averaged 3.09% in true cost at 1,000.00 USD, against 2.82% for non-bank transfer services; on average 100% of the banks' cost sat inside the exchange rate rather than in a stated fee.
- 2 of 7 quotes at 1,000.00 USD charged no upfront fee but priced in a rate markup above 0.5%, so “no fee” did not mean free.
How does the quoted mid-market rate compare with the ECB reference?
The European Central Bank reference rate for USD/JPY on 15 October 2026 was 157.98. The mid-market rate implied by the top quote at its collection time was 157.94, a difference of −0.03%. ECB rates are published once per working day around 16:00 CET, so they drift from live market rates during the day; RateRunner uses them only as a cross-check, never to rank providers.
Every quote for 200 USD → JPY
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Western Unionservice | 0.99 USD | 2.08% | 5.12 USD | 2.56% | 30,763 JPY | best |
| 2. Wells Fargobank 2d old | 0.00 USD | 3.09% | 6.19 USD | 3.09% | 30,595 JPY | −168 JPY |
| 3. Wiseservice | 8.80 USD | 0.00% | 8.80 USD | 4.40% | 30,203 JPY | −560 JPY |
| 4. OFXservice | 5.00 USD | 1.95% | 8.80 USD | 4.40% | 30,182 JPY | −581 JPY |
| 5. Remitlyservice | 6.99 USD | 2.24% | 11.32 USD | 5.66% | 29,785 JPY | −978 JPY |
| 6. PayPalservice | 4.99 USD | 3.72% | 12.25 USD | 6.12% | 29,638 JPY | −1,125 JPY |
| 7. Xoomservice | 9.99 USD | 4.01% | 17.61 USD | 8.80% | 28,792 JPY | −1,971 JPY |
Every quote for 5,000 USD → JPY
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Wiseservice | 26.01 USD | 0.00% | 26.01 USD | 0.52% | 785,716 JPY | best |
| 2. OFXservice | 0.00 USD | 1.00% | 49.91 USD | 1.00% | 781,421 JPY | −4,295 JPY |
| 3. Remitlyservice | 6.99 USD | 1.25% | 69.57 USD | 1.39% | 778,318 JPY | −7,398 JPY |
| 4. Western Unionservice | 0.99 USD | 2.08% | 104.85 USD | 2.10% | 772,748 JPY | −12,968 JPY |
| 5. Wells Fargobank 2d old | 0.00 USD | 3.09% | 154.73 USD | 3.09% | 764,874 JPY | −20,842 JPY |
| 6. PayPalservice | 4.99 USD | 3.72% | 190.91 USD | 3.82% | 759,162 JPY | −26,554 JPY |
| 7. Xoomservice | 0.00 USD | 4.01% | 200.46 USD | 4.01% | 757,656 JPY | −28,060 JPY |
Read next
Questions people ask
- Which provider gave the most for 1,000 USD sent to Japan?
- Wise, with 156,092 JPY delivered, in the snapshot retrieved 15 Oct 2026, 14:55 UTC. Its upfront fee was 11.67 USD and its rate markup 0.00%.
- How much of the cost of sending USD to JPY is hidden in the exchange rate?
- For the 7 quotes on 1,000 USD, rate markups ranged from 0.00% to 4.01% of the amount converted. 2 quotes charged no upfront fee but still had a markup above 0.5%.
- How current are these USD to JPY quotes?
- RateRunner retrieved them on 15 Oct 2026, 14:55 UTC. Each provider quote also carries its own collection time, shown in the tables, and quotes older than 24 hours are flagged. They are indicative; the price you are offered at checkout can differ.
Related corridors
Sources
- Indicative provider quotes: Wise public comparison data (retrieved 15 Oct 2026, 14:55 UTC). Wise collects quotes from listed banks and services and is itself listed.
- Reference rate: European Central Bank euro reference rates via Frankfurter (15 October 2026).
- Raw data for this page: usd-to-jpy.json