Japan Price Comparison Research 2026

A dedicated comparison research team in Wise compared Wise to 5 Japan bank accounts as well as Revolut.

They found that you can save up to 2x on average to send, spend and withdraw money abroad with Wise. Individually, you can save up to 2x when sending money abroad, up to 2x when spending abroad and 2x when withdrawing with Wise debit card abroad.

There are no account set up fees, monthly fees or minimum balance with the Wise account. This is based on the prices offered by Wise Payments Japan K.K. during the research period.

Research methodology

The competitor research was collected in January 2026 during a 5 day period (19/01/2026 - 23/01/2026).

They looked at data across multiple countries, currencies, and price points to make sure any price claims we make are fair and accurate. The data was collected by simulating a transfer using live accounts on the providers website, during standard trading hours and at the same time every day, whenever possible, to ensure consistency across the comparison.

The research scope looked at the following, across BRL, CNY, EUR, KRW and USD using ¥90,000 as the transaction value:

• The cost to send money abroad from an account
• The cost to spend money abroad using a debit card
• The cost to withdraw money abroad from an account via an ATM

The costs collected for sending money abroad are made up of both the foreign transaction fee and any exchange rate markup. The exchange rate markup is a percentage added to the mid-market exchange rate by a provider when they sell you a currency. The costs collected for spending money abroad and withdrawing money abroad from an account via ATM are only made up of foreign transaction fees.

The research and results

1. Total cost to send ¥90,000. Overall, Wise is 2x cheaper.

Sending ¥90,000 to another country? Wise will cost up to 55% less compared to how you're doing it now.

JPY > BRL: Wise is 2x cheaper

• Wise: ¥1356
• MUFG: Not offered
• Rakuten: ¥6571.05
• Sony: ¥5811.87
• Shinsei Bank: ¥2218.01
• SMBC: Not offered
• Revolut: ¥445.88

JPY > EUR: Wise is 3x cheaper

• Wise: ¥809
• MUFG: ¥3675.76
• Rakuten: ¥1416.18
• Sony: ¥5995.75
• Shinsei Bank: ¥2239.7
• SMBC: ¥4173.29
• Revolut: ¥308.59

JPY > CNY: Wise is 2x cheaper

• Wise: ¥1683
• MUFG: Not offered
• Rakuten: ¥3394.45
• Sony: ¥6063.69
• Shinsei Bank: ¥1594.15
• SMBC: Not offered
• Revolut: Not offered

JPY > KRW: Wise will cost up to 30% less

• Wise: ¥1216
• MUFG: Not offered
• Rakuten: ¥3087.36
• Sony: Not offered
• Shinsei Bank: Not offered
• SMBC: Not offered
• Revolut: ¥531.46

JPY > USD: Wise is 3x cheaper

• Wise: ¥915
• MUFG: ¥3597.63
• Rakuten: ¥1228.47
• Sony: ¥6007.34
• Shinsei Bank: ¥1824.71
• SMBC: ¥4066.82
• Revolut: ¥321.93

2. Fees to spend ¥90,000 using a debit card. Overall, Wise debit card is 2x cheaper.

It's up to 60% cheaper to spend ¥90,000 overseas with Wise.

JPY > BRL: Wise will cost up to 40% less

• Wise: ¥1126.00
• MUFG: ¥2745.00
• Rakuten: ¥2772.00
• Sony: ¥1611.00
• Shinsei Bank: Not offered
• SMBC : ¥2700.00
• Revolut: ¥0.00

JPY > EUR: Wise is 3x cheaper

• Wise: ¥573
• MUFG: ¥2745.00
• Rakuten: ¥2772.00
• Sony: ¥1611.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥0.00

JPY > CNY: Wise is 3x cheaper

• Wise: ¥599
• MUFG: ¥2745.00
• Rakuten: ¥2772.00
• Sony: ¥1611.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥0.00

JPY > KRW: Wise is 2x cheaper

• Wise: ¥814.00
• MUFG: ¥2745.00
• Rakuten: ¥2772.00
• Sony: ¥1611.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥0.00

JPY > USD: Wise is 3x cheaper

• Wise: ¥590.00
• MUFG: ¥2745.00
• Rakuten: ¥2772.00
• Sony: ¥1611.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥0.00

3. Fees to withdraw ¥90,000 using a debit card. Overall, Wise debit card is 2x cheaper.

It's up to 50% cheaper to withdraw ¥90,000 overseas with Wise. Withdrawal with Wise is free of charge up to ¥30,000.

JPY > BRL: Wise is 2x cheaper

• Wise: ¥1050.00
• MUFG: ¥2855.00
• Rakuten: ¥2772.00
• Sony: ¥1831.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥1300.00

JPY > EUR: Wise is 2x cheaper

• Wise: ¥1050.00
• MUFG: ¥2855.00
• Rakuten: ¥2772.00
• Sony: ¥1831.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥1300.00

JPY > CNY: Wise is 2x cheaper

• Wise: ¥1050.00
• MUFG: ¥2855.00
• Rakuten: ¥2772.00
• Sony: ¥1831.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥1300.00

JPY > KRW: Wise is 2x cheaper

• Wise: ¥1050.00
• MUFG: ¥2855.00
• Rakuten: ¥2772.00
• Sony: ¥1831.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥1300.00

JPY > USD: Wise is 2x cheaper

• Wise: ¥1050.00
• MUFG: ¥2855.00
• Rakuten: ¥2772.00
• Sony: ¥1831.00
• Shinsei Bank:Not offered
• SMBC: ¥2700.00
• Revolut: ¥1300.00

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.