A use-case selector: the starting shortlist and selection rule for small transfers, large transfers, family support, students, freelancers, salary, pensions, cash pickup, travel, and property.
No provider is universally best; match the shortlist to your use case — specialists for small and family transfers, banks or Type I for large and documented ones, platforms for freelance and salary, cash networks for emergencies — then compare a same-time quote.
Small personal remittance → Wise, SBI Remit, DCOM, Smiles, Kyodai, or Western Union; compare the recipient amount after fee for the exact bank, wallet, or cash-pickup method, since fixed-fee bank wires are usually proportionally expensive. Large transfer → Wise Type I or a bank (MUFG, SMBC, Mizuho, PRESTIA, Sony, Resona); obtain written same-time quotes, ask for a negotiated FX rate, and pre-clear source-of-funds documents. Family support → SBI Remit, DCOM, Smiles, Kyodai, Wise, or Western Union; bank deposit or wallet is normally safer and cheaper than cash pickup.
Foreign salary → local receiving details from Wise or Payoneer where the employer accepts them, otherwise a Sony, PRESTIA, or other Japanese bank SWIFT account. Freelance client payment → Wise Business, Payoneer, PayPal, or a Japanese business account. International tuition → the school’s designated portal, Wise, a bank SWIFT, Sony, or Rakuten, matching the student reference and targeting full-value arrival. Pension receipt → a Japanese bank SWIFT account, Sony, PRESTIA, or eligible local receiving details.
Emergency cash → Western Union, SBI Remit/MoneyGram, Kyodai/Ria, or corridor-specific Smiles/DCOM cash pickup; confirm recipient ID, location hours, cash stock, exact spelling, pickup number, and local cap. Travel spending → Sony Wallet, PRESTIA Global Pass, Wise, or Revolut, plus a backup credit card on a different network; choose local currency and avoid DCC. Overseas property → a major bank, PRESTIA/Sony, or Wise Type I only after a lawyer, escrow, and independent beneficiary verification.
Whatever the use case, the shortlist is a starting point, not a verdict — finish by comparing a same-time quote for your exact amount, corridor, funding, and payout method.
International transfers · Wise
A licensed money-transfer service that uses the mid-market exchange rate with a transparent, upfront fee — often cheaper than bank wires for personal transfers.
Fees: Transparent per-transfer fee plus mid-market rate — compare the recipient amount.