Send money to Japan
Transfer Euros to Japanese Yen without the bank markup. X Rate Capital gives you live EUR→JPY pricing, fast settlement to Japan, and a named specialist on every transfer.
What people use us for in Japan
Buying property
Deposits, completion and ongoing costs on a Japan property — locked at the right rate and settled on the right day.
Relocation & emigration
Move savings, salary and pension income between Europe and Japan without losing 3–4% to your bank.
Family & living costs
Regular or one-off support for family in Japan, with scheduled transfers and a full audit trail.
Business & suppliers
Pay suppliers, contractors or staff in Japanese Yen with batch payments and transparent FX.
Where the savings actually come from.
The rate is the headline; everything else is what makes it work in practice. Here is the side-by-side.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding35+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage over 35 currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
From paying suppliers to managing payroll, we streamline your international payments so every transaction is fast, reliable, and cost-effective.
Open your account
Sign up securely by providing your details and verifying your identity. Our team will review your application.
Meet your account manager
Once approved, connect with your personal account manager to explore the platform and tailor solutions to your needs.
Manage your money
When ready, confidently manage currencies, make transfers, and track your transactions seamlessly.
Frequently asked questions
How do I get the best EUR to JPY exchange rate?+
High-street banks typically build a 2–4% margin into the EUR/JPY rate they quote. X Rate Capital works off live interbank pricing with a small, transparent margin disclosed before you confirm — so more of your Euros arrives as Japanese Yen. Use the calculator above for an indicative rate, then speak to the desk for a live quote.
How long does a transfer from Europe to Japan take?+
Most transfers to Japan settle same-day or next-day once funds are received and the beneficiary is verified. Your named specialist confirms the exact timing when you book.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Are there fees to send EUR to JPY?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, disclosed before you confirm the trade. No hidden charges on the confirmation.
Can I fix today's EUR/JPY rate for a future payment?+
Yes. With a forward contract you can lock the current rate for a payment up to 24 months ahead — useful for a property completion, tuition schedule or supplier contract. Ask your specialist about forwards when you request a quote.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.