Remittance Prices Worldwide

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Sending money from JAPAN to INDONESIA

Data collected on: Aug 18, 2025 - Aug 27, 2025
JPY | USD
Firm
Payment instrument
Access point
Sending network coverage
Transfer speed
<em>Transfer Speed</em> has been standardized in six broad categories.
Receiving method
Disbursing network coverage
Fee
Exchange rate margin (%)
The exchange rate margin is the cost resulting from the fact that the firm applies a rate that is different from the market reference rate. The margin is the percentage difference between the market reference rate and the exchange rate actually applied to the transaction.
Total cost (%)
The total cost of sending a remittance transfer includes: the fee charged to the sender plus the exchange rate margin.
Total cost (JPY)sort descending
The total cost of sending a remittance transfer includes: the fee charged to the sender plus the exchange rate margin.
Firm
Wise
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
372.07
Exchange rate margin(%)
0.00
Percentage difference between market reference rate 110.35 and exchange rate charged 110.35
Total cost (%)
2.19
Total cost (JPY)sort descending
372.07
Firm
SMTJ
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
400.00
Exchange rate margin(%)
0.13
Percentage difference between market reference rate 109.59 and exchange rate charged 109.45
Total cost (%)
2.48
Total cost (JPY)sort descending
422.10
Firm
SMTJ
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
400.00
Exchange rate margin(%)
0.14
Percentage difference between market reference rate 109.61 and exchange rate charged 109.45
Total cost (%)
2.49
Total cost (JPY)sort descending
423.80
Firm
SMTJ
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
400.00
Exchange rate margin(%)
0.15
Percentage difference between market reference rate 109.62 and exchange rate charged 109.45
Total cost (%)
2.50
Total cost (JPY)sort descending
425.50
Firm
DCOM Money Express
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
400.00
Exchange rate margin(%)
0.31
Percentage difference between market reference rate 110.54 and exchange rate charged 110.20
Total cost (%)
2.66
Total cost (JPY)sort descending
452.70
Firm
Seven Bank
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
450.00
Exchange rate margin(%)
0.74
Percentage difference between market reference rate 109.95 and exchange rate charged 109.14
Total cost (%)
3.39
Total cost (JPY)sort descending
575.80
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
225.00
Exchange rate margin(%)
2.59
Percentage difference between market reference rate 110.35 and exchange rate charged 107.50
Total cost (%)
3.91
Total cost (JPY)sort descending
665.30
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
225.00
Exchange rate margin(%)
2.59
Percentage difference between market reference rate 110.35 and exchange rate charged 107.50
Total cost (%)
3.91
Total cost (JPY)sort descending
665.30
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
225.00
Exchange rate margin(%)
2.59
Percentage difference between market reference rate 110.35 and exchange rate charged 107.50
Total cost (%)
3.91
Total cost (JPY)sort descending
665.30
Firm
JRF
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
850.00
Exchange rate margin(%)
0.27
Percentage difference between market reference rate 110.55 and exchange rate charged 110.25
Total cost (%)
5.27
Total cost (JPY)sort descending
895.90
Firm
JME
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
850.00
Exchange rate margin(%)
0.39
Percentage difference between market reference rate 110.53 and exchange rate charged 110.09
Total cost (%)
5.39
Total cost (JPY)sort descending
916.30
Firm
Kyodai
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
880.00
Exchange rate margin(%)
0.26
Percentage difference between market reference rate 110.39 and exchange rate charged 110.10
Total cost (%)
5.44
Total cost (JPY)sort descending
924.20
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
880.00
Exchange rate margin(%)
0.28
Percentage difference between market reference rate 110.11 and exchange rate charged 109.81
Total cost (%)
5.46
Total cost (JPY)sort descending
927.60
Firm
SBI remit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
Low 
Fee
880.00
Exchange rate margin(%)
0.44
Percentage difference between market reference rate 109.65 and exchange rate charged 109.17
Total cost (%)
5.62
Total cost (JPY)sort descending
954.80
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
880.00
Exchange rate margin(%)
0.73
Percentage difference between market reference rate 110.11 and exchange rate charged 109.31
Total cost (%)
5.91
Total cost (JPY)sort descending
1004.10
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
880.00
Exchange rate margin(%)
0.73
Percentage difference between market reference rate 110.11 and exchange rate charged 109.31
Total cost (%)
5.91
Total cost (JPY)sort descending
1004.10
Firm
BNI Tokyo
Firm type: Bank
 
Payment instrument
Access point
Bank branch
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
2,000.00
Exchange rate margin(%)
3.14
Percentage difference between market reference rate 110.17 and exchange rate charged 106.72
Total cost (%)
14.90
Total cost (JPY)sort descending
2533.80
Firm
Japan Post Bank
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
3,000.00
Exchange rate margin(%)
2.37
Percentage difference between market reference rate 0.01 and exchange rate charged 0.01
Total cost (%)
20.02
Total cost (JPY)sort descending
3402.90
Total Average Third Quarter 2025
5.63
Total Average Second Quarter 2025
0
Total Average
Fee
788.73
Exchange Rate Margin (%)
0.99
Total Cost Percent (%)
5.63
Total Cost (JPY)
957.31
Non-Transparent records
Bank account transfer Cash Debit card Credit Card
Same day 2 days Less than one hour Next day 6 days or more 3-5 days
Bank account Cash
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