Banking/Finance

Bank Transfer

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

Synergia Editorial Team

This page helps foreign residents and long-term visitors handle "Bank Transfer" 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 Bank Transfer 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

Practice Phrases (10 Total)

振込をお願いしたいのですが

ふりこみをおねがいしたいのですが

I'd like to make a transfer.

POINT“I want to send money” → “Transfer” is appropriate

振込先の支店名と口座番号を確認させてください

ふりこみさきのしてんめいとこうざばんごうをかくにんさせてください

Let me confirm the branch name and account number.

POINTBe sure to read it out loud at the counter.

受取人名義は全角カタカナでしょうか

うけとりにんめいぎはぜんかくカタカナでしょうか

Is the recipient name in full-width katakana?

POINTQuestions regarding the input format of the transfer holder's name

振込手数料はいくらですか

ふりこみてすうりょうはいくらですか

How much is the transfer fee?

POINTFees vary depending on accompanying/other bank/amount

振込先を間違えてしまったのですが、どうすればよいですか

ふりこみさきをまちがえてしまったのですが、どうすればよいですか

I made a mistake in the transfer. What should I do?

POINT“I made a mistake” → “I made a mistake”

組戻しの手続きをお願いしたいのですが

くみもどしのてつづきをおねがいしたいのですが

I'd like to request a transfer recall.

POINT“Cancellation” → “Reversal” is the official term

振込が反映されるまでどのくらいかかりますか

ふりこみがはんえいされるまでどのくらいかかりますか

How long until the transfer is reflected?

POINTBank terminology: “receive money” rather than “receive money”

定期的に振込するので、振込予約をしたいのですが

ていきてきにふりこみするので、ふりこみよやくをしたいのですが

I'd like to set up a scheduled transfer.

POINTConvenient for monthly rent transfers, etc.

振込明細書を発行していただけますか

ふりこみめいさいしょをはっこうしていただけますか

Could you issue a transfer statement?

POINT``Receipt'' → ``Detailed statement'' for transfer

本日中に振込は間に合いますか

ほんじつちゅうにふりこみはまにあいますか

Will the transfer be completed today?

POINTItems after 3pm are often handled as the next business day.

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Frequently Asked Questions

Q. How can I reduce the transfer fee?
A. Fees are low if you pay between the same banks or within the same branch, or if you use online banking, the fees will be less than half of what you would pay at a counter.
Q. Until what time can I make a transfer?
A. The counter is open until 3:00 pm on weekdays, and ATMs and online banking are open 24 hours a day, but after 3:00 pm, the results are often reflected on the next business day.
Q. Is the transfer not being made due to an input error in the transfer name?
A. Many banks will automatically reverse a wrong name, but you will need to re-enter the name. If the numbers are incorrect, there is a risk that the money will be credited to the other party.
Q. What should I be careful about when transferring large amounts?
A. For transactions over 1 million yen, confirmation of identification and purpose of transaction is required. The procedure at the counter is reliable.
Q. What if I want to cancel the transfer?
A. You can request a "refund" before the money is received. Once payment has been received, refunds cannot be made without the consent of the recipient.