Banking/Finance

Overseas Remittance

The Japanese you need for Overseas Remittance, in natural keigo. Procedure flow · NG warnings · 9-language parallel translations

Synergia Editorial Team

This page helps foreign residents and long-term visitors handle "Overseas Remittance" with daily Japanese phrases for living in Japan, practical examples, and common mistakes to avoid.

What this page helps you say in Japan

This page focuses on Overseas Remittance and teaches useful Japanese phrases for daily life in Japan, including natural replies, polite alternatives, and practical wording for foreigners living in Japan.

What You'll Learn on This Page

Expression of intention to remit money overseas
Transmission of information on remittance destination
Questions about exchange rates and fees
Confirm arrival days
Explanation of purpose of remittance

Practice Phrases (10 Total)

海外送金をお願いしたいのですが

かいがいそうきんをおねがいしたいのですが

I'd like to make an international remittance.

POINT “海外に送りたい” → “海外送金”

送金先は○○国の○○銀行です

そうきんさきは○○こくの○○ぎんこうです

The destination is ○○ Bank in ○○.

POINTClarify country name and bank name

SWIFTコードはこちらになります

Here's the SWIFT code.

POINTPassing notes makes things smoother

本日の為替レートはおいくらでしょうか

ほんじつのかわせレートはおいくらでしょうか

What's today's exchange rate?

POINTPay attention to the difference between mid-price, TTS, and TTB

手数料込みで全部でいくらになりますか

てすうりょうこみでぜんぶでいくらになりますか

What's the total including fees?

POINTBank transfer is around 4000-6000 yen

送金目的は家族への仕送りです

そうきんもくてきはかぞくへのしおくりです

The purpose is family support.

POINTPurpose confirmation required for money laundering measures

何日くらいで着金しますか

なんにちくらいでちゃっきんしますか

How many days until it arrives?

POINTBanks: 2-5 business days, remittance services: same-day to next day

受取人の住所もお伝えしたほうがよいですか

うけとりにんのじゅうしょもおつたえしたほうがよいですか

Should I also provide the recipient's address?

POINTRequired items vary depending on the country

マイナンバーも必要でしょうか

マイナンバーもひつようでしょうか

Is My Number also needed?

POINTRequired for over 1 million yen

送金控えを発行していただけますか

そうきんひかえをはっこうしていただけますか

Could you issue a remittance receipt?

POINTMay be required by the recipient

Frequently Asked Questions

Q. What are the methods of remittance other than banks?

A. Fintech services such as Wise, Revolut, and PayPay Hoken allow you to send money at 1/5th to 1/10th the fees charged by banks. However, there is a remittance limit.

Q. Can I send it in my home currency?

A. Supported currencies vary depending on the bank and service. Wise supports over 50 currencies, and mega banks support major currencies.

Q. What about remittances of more than 1 million yen?

A. For amounts exceeding 1 million yen, you are legally required to submit your My Number. Payments exceeding 2 million yen are subject to submission of payment records to the tax office.

Q. How can I reduce exchange fees?

A. Wise/Revolut allows you to send money at an exchange rate close to the interbank rate. Banks will add a foreign exchange fee of approximately 1 yen/dollar.

Q. What if the payment is delayed?

A. SWIFT transfers take up to 5 business days as they go through intermediary banks. In case of delay, you can request tracking from your bank using the reference number at the time of remittance.

Overseas Remittance

What this page helps you say in Japan

What You'll Learn on This Page

Practice Phrases (10 Total)

Frequently Asked Questions

Other Pages in This Pack

Government office/administration

daily life