Cheapest way to send money from Japan to Brazil

FXMetrics editorial team · Updated · How we calculate

Japanese banks typically charge several thousand yen per overseas transfer, plus receiving and intermediary charges, so registered funds transfer providers are often cheaper for monthly remittances. Below: what your recipient actually gets for 100,000 JPY, at today's mid-market rate.

Loading today's mid-market rate…

ProviderRecipient getsTotal costSpeedSite

Mid-market rates from the European Central Bank (via the Frankfurter API); currencies the ECB does not cover use ExchangeRate-API. Provider fees and markups are estimates from public pricing; always check the final quote. Methodology · Share this result

Payout options
Brazilian bank accounts and, on many providers, Pix keys (CPF, phone or email)
Typical speed
Minutes to 2 business days (digital); 2–5 business days (bank wire)
Regulation in Japan
Banks or FSA-registered funds transfer providers
Rate benchmark
ECB reference rate

Who sends money from Japan to Brazil

Common senders: technical intern trainees and Specified Skilled Workers, international students, and long-term residents supporting family.

About this corridor

Japan has a large Brazilian community of Japanese descent, concentrated in Aichi, Shizuoka and Gunma. Remittances to Brazil now often go to Pix keys, and comparing registered funds transfer providers with Japanese banks can make a big difference on monthly transfers.

Worked example: sending 100,000 JPY

Using the ECB reference rate on 2026-10-07, 1 JPY = 0.0316 BRL, our estimate model gives these results for sending 100,000 JPY:

ProviderEst. feeEst. receivedTotal cost vs mid-market
Wise758 JPY3,140.01 BRL23.99 BRL
Revolut300 JPY3,138.74 BRL25.26 BRL
Remitly0 JPY3,126.03 BRL37.97 BRL
Western Union791 JPY3,076.19 BRL87.81 BRL
Bank wire (typical)3,165 JPY2,987.28 BRL176.72 BRL

In this example Wise delivers roughly 152.73 BRL more than a typical bank wire. Rates move daily and providers change pricing, so treat this as an illustration from our model; the live calculator above and the provider's own quote are what count. See how we estimate.

Sending to Brazil: what to know

  • Payout options: Brazilian bank accounts and, on many providers, Pix keys (CPF, phone or email).
  • Pix delivery is fast and widely supported; the recipient just shares a Pix key.
  • The paying institution will usually need the recipient's CPF.

Rules and limits

In Japan: Overseas transfers in Japan go through banks or funds transfer service providers registered with the FSA; Type II providers are capped at JPY 1 million per transfer. For overseas transfers above JPY 1 million, financial institutions file a report with the tax office.

In Brazil: Incoming transfers are foreign-exchange operations handled by institutions authorised by the Banco Central do Brasil. IOF tax applies to the conversion in Brazil (generally 0.38% on incoming personal transfers; check the current rate).

How to pick the cheapest option

  1. Compare the amount received, not the fee. "Zero fee" offers usually hide their cost in the rate. How markups work.
  2. Small amounts: watch fixed fees. Large amounts: watch the markup.
  3. Avoid intermediary deductions. SWIFT wires can lose $10–30 in transit. Why.

Frequently asked questions

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

It depends on the amount and the day's pricing. This page calculates, at today's mid-market rate, how much BRL each provider delivers for 100,000 JPY; the top row is currently the cheapest by our estimate.

How much more does a bank wire cost for 100,000 JPY?

Using the reference rate on 2026-10-07, our model puts the gap at about 152.73 BRL versus the cheapest option. Rates and pricing change daily.

How can my recipient in Brazil receive the money?

Common payout options are Brazilian bank accounts and, on many providers, Pix keys (CPF, phone or email). Availability differs by provider, so check before you send.

How long does it take?

Digital services usually take minutes to 1–2 business days; bank wires often take 2–5 business days.

Sources

Official pages checked on