{"id":27468,"date":"2020-08-22T15:00:23","date_gmt":"2020-08-22T15:00:23","guid":{"rendered":"https:\/\/gogonihon.com\/?p=27468"},"modified":"2024-01-24T13:57:16","modified_gmt":"2024-01-24T13:57:16","slug":"bank-transfer-in-japan","status":"publish","type":"post","link":"https:\/\/gogonihon.com\/en\/blog\/bank-transfer-in-japan\/","title":{"rendered":"How to make a bank transfer in Japan"},"content":{"rendered":"<p>While living and studying in Japan, you may need to make a bank transfer from your Japanese bank account. If you\u2019ve never done this before, or if you feel your Japanese language skills aren\u2019t quite up to the task, then don\u2019t worry! It\u2019s not actually that complicated and we\u2019re here to help walk you through the steps.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-74100\" src=\"https:\/\/gogonihon.com\/wp-content\/uploads\/2020\/08\/laptop.jpg\" alt=\"online banking on laptop\" width=\"798\" height=\"436\" \/><\/p>\n<h2><b>Through online banking<\/b><\/h2>\n<p>The most convenient way to transfer money is through an online bank account. If you\u2019re in Japan studying long-term, we recommend <a href=\"https:\/\/gogonihon.com\/en\/blog\/open-bank-account-japan\/\">opening a bank account<\/a> to make life easier while you\u2019re here, especially if you want to <a href=\"https:\/\/gogonihon.com\/en\/blog\/getting-a-part-time-work-permit-in-japan\/\">work part-time<\/a> while studying.<\/p>\n<p>To make a transfer through online banking:<\/p>\n<ol>\n<li>Log into your account and select <strong>\u632f\u8fbc <i>furikomi <\/i><\/strong>to make a bank transfer<\/li>\n<li>Put in the recipient\u2019s details:<br \/>\n&#8211; <strong>Bank name<\/strong> (\u9280\u884c\u540d <i>gink\u014dmei<\/i>)<br \/>\n&#8211; <strong>Bank branch<\/strong> (\u652f\u5e97 <i>shiten<\/i>)<br \/>\n&#8211; <strong>Account number<\/strong> (\u53e3\u5ea7\u756a\u53f7 <i>k\u014dza bang\u014d<\/i>)<br \/>\n&#8211; <strong>Account type<\/strong> (\u8b1b\u5ea7\u79d1\u76ee <i>k\u014dza kamoku<\/i>) &#8211; this will normally be one of three options: Ordinary (\u666e\u901a <i>futs\u016b<\/i>), Checking (\u5f53\u5ea7 <i>t\u014dza<\/i>), Savings (\u8caf\u84c4 <i>chochiku<\/i>)<\/li>\n<li>Put in the amount you want to transfer, then proceed to transfer. You will probably be asked to double-check the information you entered and confirm you wish to continue.<\/li>\n<\/ol>\n<p>Not all banks offer an online banking service unfortunately, so if this happens to be the case with your bank, then you can try visiting the bank in person, or make a transfer through an ATM.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-74079\" src=\"https:\/\/gogonihon.com\/wp-content\/uploads\/2020\/08\/ATM.jpg\" alt=\"ATM\" width=\"798\" height=\"436\" \/><\/p>\n<h2><b>ATM bank transfer<\/b><\/h2>\n<p>Make sure you have your bank card and all the recipient\u2019s bank information (as per above).<\/p>\n<ol>\n<li>On the home screen, select \u632f\u8fbc <i>furikomi\u00a0<\/i><\/li>\n<li>Normally the next screen has text telling you that you may incur fees and to beware of fraud<\/li>\n<li>Enter your card and your pin code<\/li>\n<li>Select the recipient\u2019s bank, branch and type of account (this will normally be Ordinary, or \u666e\u901a futs\u016b, but double check with your recipient first)<\/li>\n<li>Enter the account number and select amount you want to transfer<\/li>\n<li>Confirm (\u78ba\u8a8d <i>kakunin<\/i>) that you want to make the transfer<\/li>\n<\/ol>\n<p>If you make a mistake, just press the \u8a02\u6b63 <i>teisei <\/i>button, return to the previous screen (\u524d\u306b\u623b\u308b <i>mae ni modoru<\/i>) or cancel the operation by pressing the button \u53d6\u308a\u6d88\u3057 <i>torikeshi<\/i>.<\/p>\n<p>If you don\u2019t have a Japanese bank account you can also make a transfer through an ATM using cash. In the first step, just make sure to choose <strong>cash transfer (\u73fe\u91d1 <i>genkin<\/i>)<\/strong> instead of bank transfer. You will also need to enter your first and last names and a Japanese phone number.<\/p>\n<p>Note that most Japanese banks close at 3pm so if you make a transfer after that time, your transaction will be processed the next day.<\/p>\n<p>If you want to learn more about navigating Japanese ATMs, read our article <a href=\"https:\/\/gogonihon.com\/en\/blog\/navigating-withdrawing-money-in-japan\/\">here<\/a>.<\/p>\n<h2><b>International transfer<\/b><\/h2>\n<p>There might be some situations where you may need to transfer money between your Japanese bank account and an overseas account. You can do this through the bank, but be prepared to spend a long time filling in forms. You will also have to pay quite high bank fees and you might not get the best exchange rate.<\/p>\n<p>There are other services that offer international bank transfers that are <strong>easier<\/strong> and <strong>more affordable<\/strong>. These include <a href=\"https:\/\/wise.com\/us\/\" target=\"_blank\" rel=\"noopener\">Wise<\/a>, GoRemit, Western Union, and PayPal. Note that for Wise and GoRemit you will need to go through a process of confirming your identity that may take some time, so make sure to do this before you need to transfer your money.<\/p>\n<h2><strong>Easy currency conversion and money transfers with Xe<\/strong><\/h2>\n<p>Xe is a world-leader in currency services and products, including money transfers, live currency exchanges and market analysis. Thoroughly regulated in every country they operate in and cost-effective, Xe helps to make transferring money and keeping on top of exchange rates easy, quick and secure. Get started with Xe <a href=\"https:\/\/xe-money-transfer.pxf.io\/c\/3160987\/1232176\/12610\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\n<p><strong>Want to learn more about tips and tricks to living your best life in Japan? Make sure to <a href=\"https:\/\/gogonihon.com\/en\/blog\/category\/life-in-japan\/\">read our blog<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>While living and studying in Japan, you may need to make a bank transfer from your Japanese bank account. If you\u2019ve never done this before, or if you feel your Japanese language skills aren\u2019t quite up to the task, then don\u2019t worry! It\u2019s not actually that complicated and we\u2019re here to help walk you through [&hellip;]<\/p>\n","protected":false},"author":107,"featured_media":27480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[402],"tags":[690,659],"class_list":["post-27468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-to","tag-living-abroad","tag-paperwork"],"_links":{"self":[{"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/posts\/27468","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/users\/107"}],"replies":[{"embeddable":true,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/comments?post=27468"}],"version-history":[{"count":2,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/posts\/27468\/revisions"}],"predecessor-version":[{"id":115689,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/posts\/27468\/revisions\/115689"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/media\/27480"}],"wp:attachment":[{"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/media?parent=27468"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/categories?post=27468"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/tags?post=27468"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}