Send Money from Japan to the Philippines: Cheapest Way (JPY to PHP, 2026)

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.

Who sends money from Japan to the Philippines

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

About this corridor

Filipinos in Japan work in manufacturing, caregiving and services, and many have lived there for decades. Delivery to bank accounts or GCash is common; check whether your provider pays out through a local partner, which avoids intermediary deductions.

Worked example: sending 100,000 JPY

Using the ECB reference rate on 2026-10-07, 1 JPY = 0.3970 PHP, our estimate model gives these results for sending 100,000 JPY:

Provider	Est. fee	Est. received	Total cost vs mid-market
Wise	758 JPY	39,395.01 PHP	300.99 PHP
Revolut	300 JPY	39,379.03 PHP	316.97 PHP
Remitly	0 JPY	39,219.65 PHP	476.35 PHP
Western Union	791 JPY	38,594.31 PHP	1,101.69 PHP
Bank wire (typical)	3,165 JPY	37,478.80 PHP	2,217.20 PHP

In this example Wise delivers roughly 1,916.21 PHP 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 the Philippines: what to know

Payout options: bank deposit, GCash, Maya and cash pickup.
GCash and cash pickup are popular for families outside major cities.
Cash pickup is convenient but often carries a worse rate than bank or e-wallet delivery.

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 the Philippines: Banks and e-money issuers are supervised by the Bangko Sentral ng Pilipinas (BSP). E-wallets have balance and monthly incoming limits that rise with full verification, so large amounts are better sent to a bank account.

How to pick the cheapest option

Compare the amount received, not the fee. "Zero fee" offers usually hide their cost in the rate. How markups work.
Small amounts: watch fixed fees. Large amounts: watch the markup.
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 the Philippines?

It depends on the amount and the day's pricing. This page calculates, at today's mid-market rate, how much PHP 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 1,916.21 PHP versus the cheapest option. Rates and pricing change daily.

How can my recipient in the Philippines receive the money?

Common payout options are bank deposit, GCash, Maya and cash pickup. 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 2026-10-08