What Information Is Needed to Send Money Internationally to Japan?

Sending money internationally to Japan is a common requirement for individuals and businesses alike — whether you’re supporting family, paying tuition fees, settling invoices, or managing overseas investments. While the process has become faster and more convenient thanks to digital platforms, providing the correct information is still essential to ensure your transfer reaches the recipient smoothly and without delays.

Below, we explain exactly what information is needed to wire money to Japan, how the process works, and how to choose the best way to send money to Japan securely and cost-effectively.

1. Sender Information

When you send money to Japan, the first set of details required relates to you as the sender. Financial institutions must comply with international regulations, including anti-money laundering (AML) rules.

You will usually need to provide:

• Full legal name (as shown on official ID)
  
• Residential address
  
• Date of birth
  
• Valid photo identification (passport or driving licence)
  
• Source of funds (salary, savings, business income, etc.)

For larger transfers, additional verification may be requested to comply with regulatory standards.

2. Recipient Details

Accurate beneficiary information is critical when you transfer money to Japan. Even small errors can result in delays or rejected payments.

You will typically need:

• Recipient’s full name (exactly as it appears on their bank account)
  
• Recipient’s residential address
  
• Contact details (sometimes required for confirmation)

For business transfers, you may also need:

• Registered business name
  
• Company address
  
• Purpose of payment (e.g. invoice settlement or services)

3. Japanese Bank Account Information

To wire money to Japan, you must provide precise banking details for the recipient. Japanese banks follow strict formatting rules.

Key details include:

• Bank name
  
• Branch name and branch code
  
• Account number
  
• Account type (usually savings or current)
  
• SWIFT/BIC code (used for international transfers)
  

Some banks may also request a Zengin code, which is Japan’s domestic bank identification system. Providing all details correctly ensures your funds are processed without unnecessary delays.

4. Currency Selection (JPY or Foreign Currency)

When you send money to Japan, you’ll usually have the option to send funds in:

• Japanese Yen (JPY), or
  
• A foreign currency such as GBP or USD

Sending in JPY often results in faster processing and avoids additional conversion fees charged by receiving banks. Choosing the right currency is an important factor when deciding the best way to send money to Japan, particularly for larger transfers.

5. Purpose of Transfer

Japanese banks often require the reason for the transaction. This is a standard compliance requirement and helps prevent fraud.

Common purposes include:

• Family support
  
• Education expenses
  
• Property-related payments
  
• Business transactions
  
• Investment transfers

Being clear and accurate helps your wire money to Japan without complications.

6. Choosing the Best Transfer Method

There are several ways to transfer money to Japan, including:

• Bank wire transfers
  
• Online international money transfer services
  
• FX specialists
  

While traditional banks are widely used, they often charge higher fees and offer less competitive exchange rates. FX specialists, such as Currency Solutions, are often considered the best way to send money to Japan for larger amounts, as they provide:

• Competitive exchange rates
  
• No hidden fees
  
• Dedicated account managers
  
• Secure, FCA-regulated services
  

7. Additional Checks for Large Transfers

For high-value transfers, you may be asked to provide supporting documents, such as:

• Sale contracts
  
• Invoices
  
• Proof of relationship with the recipient
  
• Investment or property documentation
  

These checks are normal and help ensure compliance with international financial regulations.

Final Thoughts

Understanding what information is required makes it much easier to send money to Japan confidently and efficiently. By preparing accurate sender details, correct Japanese bank information, and choosing a reliable provider, you can avoid delays, reduce costs, and ensure your funds arrive safely.

Whether you’re making a personal transfer or a large business payment, working with a specialist can often be the most secure and cost-effective solution — especially if you’re looking for the best way to send money to Japan with competitive rates and expert support.