Send money from Japan to Canada
Transfer Japanese Yen to Canadian Dollars without the bank markup. X Rate Capital prices JPY→CAD off the live interbank market, settles same-day to next-day over EFT or Lynx for larger values, and puts a named specialist on every transfer.
Sending the other way? Send money from Canada to Japan.
More routes: Japan transfers · Canada transfers
What people use us for in Canada
Buying property in Canada
Deposits, staged payments and completion on a Canadian purchase — rate locked when you commit, funds landing over EFT or Lynx for larger values on the day they're due.
Relocating to Canada
Move savings, salary and pension income from Japan without losing 3–4% to your bank each time. Japan has no exchange controls for ordinary transfers, though banks report larger movements to the Ministry of Finance.
Family & living costs
Regular or one-off support for family in Canada, settling same-day to next-day, with scheduled transfers and a full audit trail.
Paying Canadian suppliers
Pay suppliers, contractors or staff in Canadian Dollars with batch payments, forward cover on your margin, and transparent JPY/CAD pricing.
Where the savings actually come from.
A high-street bank pricing JPY/CAD builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over EFT or Lynx for larger values, so what you compare is the rate itself.
- 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 holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most Japan-to-Canada transfers we handle are relocation, Canadian property, and family support both ways along a heavily-travelled migration route — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ 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.
Set-up takes minutes. Once you are approved, JPY/CAD transfers settle same-day to next-day, with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your Japan funding and your Canada beneficiary before the first trade.
Fund over Zengin
Send Japanese Yen to your account using Zengin. Japan has no exchange controls for ordinary transfers, though banks report larger movements to the Ministry of Finance.
Settle into Canada
We book JPY/CAD at the live rate and pay out over EFT or Lynx for larger values — same-day to next-day. Canadian dollars settle by EFT, with larger values routed over Lynx the same business day.
Frequently asked questions
How long does a transfer from Japan to Canada take?+
Funds reach the beneficiary over EFT or Lynx for larger values, typically same-day to next-day once your money has cleared with us and the beneficiary is verified. Canadian dollars settle by EFT, with larger values routed over Lynx the same business day. FINTRAC reporting applies to international transfers and is handled for you. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of Japan?+
Japan has no exchange controls for ordinary transfers, though banks report larger movements to the Ministry of Finance. On the receiving side: Canadian dollars settle by EFT, with larger values routed over Lynx the same business day. FINTRAC reporting applies to international transfers and is handled for you.
How much could I save versus my bank on a JPY/CAD transfer?+
On a typical bank margin of 2–4%, a £50,000-equivalent transfer costs £1,000–£2,000 in spread you never see itemised. Our margin is a fraction of that and shown to you before you commit. The calculator above gives you an indicative JPY/CAD figure to compare against your bank's quote.
What are people usually sending JPY to CAD for?+
Most JPY/CAD volume we handle is driven by relocation, Canadian property, and family support both ways along a heavily-travelled migration route. Whichever applies to you, the same desk handles the deposit, the staged payments and the completion, so you're not re-explaining your situation each time.
Can I set up regular transfers from Japan to Canada?+
Yes — schedule recurring transfers to a saved beneficiary so salary, pension, rent or family support goes out automatically. Each one prices off the live JPY/CAD market rather than a fixed retail rate, and settles over EFT or Lynx for larger values.
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.
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.