How to Send Money from Japan to Philippines 2026

💸 Money Transfer 🇵🇭 Philippines ✅ 2026
🏛️

VisaSHOGUN Editorial — Money Transfer Series

Fee and rate data based on 2026 research. Always compare current rates before transferring.

⚡ TL;DR
  • Wise is cheapest for bank-to-bank — real mid-market JPY/PHP rate
  • SBI Remit supports direct GCash delivery — popular for OFWs in Japan
  • Remitly offers Express delivery (minutes) to GCash and BPI, BDO, Metrobank
  • GCash Global Send (2026 launch) — send from GCash Philippines directly to Japan and back
  • Cash pickup: Western Union and SBI Remit have 200,000+ payout locations in Philippines

🇵🇭 Japan to Philippines Transfer Comparison — ¥100,000

Service Recipient gets (PHP) Fee Speed Best for
🏆 Wise ~₱3,700 ~¥500–800 1–2 days Best rate / bank transfer
SBI Remit ~₱3,640 ¥300–500 Same day GCash / cash pickup
Remitly Express ~₱3,660 Varies Minutes Speed priority
Panda Remit ~₱3,620 ¥400 1–2 days Budget option
Japanese Bank ~₱3,480 ¥3,000–5,000 3–5 days Avoid for regular use

📋 Delivery Options in the Philippines

📱 GCash (most popular)
Supported by: SBI Remit, Remitly, WorldRemit, Western Union

Recipient needs: Registered GCash account and phone number

Speed: Usually instant or within minutes
🏦 Bank Transfer
Major banks: BPI, BDO, Metrobank, Landbank, UnionBank

Recipient needs: Account number + bank name

Speed: Same day to 2 days
💵 Cash Pickup
Available at: SM, Robinson's, Palawan Pawnshop, 7-Eleven, LBC

Best for: Recipients without bank accounts

Speed: Same day
📲 Maya (PayMaya)
Supported by: Some WorldRemit corridors

Growing alternative to GCash

Speed: Usually instant
💡

GCash Global Send — new in 2026

In early 2026, GCash launched "Global Send" in partnership with Alipay+, allowing Philippine GCash users to send money directly to 16 countries including Japan. This is the reverse flow — from Philippines to Japan. For sending from Japan to Philippines, SBI Remit and Remitly remain the best options for GCash delivery.

🏆 Best Service by Situation

Your situation Best service Why
Sending to GCash SBI Remit Direct GCash partnership, same-day delivery
Best exchange rate Wise Real mid-market rate, bank transfer
Urgent / emergency Remitly Express Minutes delivery to GCash or bank
Recipient has no bank account Western Union Cash pickup at 200,000+ locations
Regular monthly transfer Wise or SBI Remit Best cost-to-speed balance
🏆 Wise — best rate for bank transfer
✓ Real mid-market JPY/PHP rate
✓ Delivery to BPI, BDO, Metrobank
✓ Transparent fees from 0.41%
✗ No direct GCash delivery (use SBI Remit)
Send to Philippines with Wise →
🇵🇭 Japan → Philippines

Send money to the Philippines at the real rate

Wise for bank transfers. SBI Remit for GCash. Both are far cheaper than Japanese banks.

Open Wise free →
💸

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Usually responds within 1–2 business days 通常1〜2営業日以内にご返信

Get in touch
with a licensed expert. 行政書士にお気軽にご相談を。

Visa questions, PR planning, tax guidance — in English, Japanese, or Vietnamese.

ビザ・永住・税務・日常生活のご相談を英語・日本語・ベトナム語で承ります。

Individual inquiries個人のお客様 Corporate inquiries法人・企業様 EN · JP · VI
✅ Free first consultation初回相談無料
✅ Reply within 24 hours24時間以内に返信
✅ Licensed Administrative Scrivener行政書士監修

Ask us anything.

Free first consultation. A licensed expert will respond in English within 24 hours.

We respond within 1–2 business days. For urgent matters, use LINE.

お気軽にご相談ください。

初回相談は無料です。行政書士が1〜2営業日以内にご返信します。

送信後、1〜2営業日以内にご連絡いたします。
お急ぎの場合はLINEからもお問い合わせいただけます。

⏰ Neverもう絶対に miss your visa renewal.

Register once. We'll remind you 3 months and 1 month before your visa expires — and send weekly Japan immigration updates in English.

登録するだけで、ビザ期限の3ヶ月前・1ヶ月前に自動でお知らせします。最新の入管情報も週次でお届けします。

⏰
Renewal reminder — 3 months & 1 month before expiry期限3ヶ月前・1ヶ月前にリマインダーメール
📬
Weekly Japan immigration updates in plain English日本の入管制度の最新情報を週次でお届け
🚨
Instant alerts when rules change for your visa typeあなたのビザに影響する制度変更を即座にお知らせ
Register free — takes 30 seconds → 無料登録（30秒で完了）→

Free forever. Unsubscribe anytime.

完全無料・いつでも解除できます。

What happens after you register?登録後の流れ

Here's exactly what to expect.登録後にお届けする内容です。

1
Confirmation email immediately登録完了メールが届きます
You'll receive a summary of what you signed up for and what to expect next.登録内容と今後の流れをまとめたメールをお送りします。
2
Weekly immigration updates週次で最新情報をお届け
Every week, the most important changes to Japan's immigration rules — only what's relevant to your visa type.あなたのビザ種類に関係する制度変更のみをピックアップしてお届けします。
⏰
Renewal reminder at the right time更新時期に自動でリマインド
We'll email you 3 months before and again 1 month before your visa expires with a clear checklist.期限の3ヶ月前・1ヶ月前に、準備すべきことのチェックリストをお送りします。
🏢 Corporate inquiry法人・企業様向け

Visa support for your team.外国人スタッフのビザを、まるごとお任せください。

We handle visa renewals, status changes, and HR compliance for companies with foreign employees — in English.ビザ更新・在留資格変更・採用予定者のビザ申請まで、英語対応でワンストップ対応します。

We'll respond within 1–2 business days with a proposal.1〜2営業日以内にご連絡・お見積りをお送りします。

💬
Prefer LINE?LINEでもご相談できます

Send us a message on LINE — we respond faster. Available in English, Japanese, and Vietnamese. フォームよりLINEの方が気軽という方はこちらから。日本語・英語・ベトナム語対応しています。

💬 Chat on LINELINEで相談する
⏰ Set a visa reminderビザ期限リマインダー
Register your visa expiry and we'll remind you before it's too late. Free, takes 30 seconds. ビザ期限を登録するだけで、更新前に自動でお知らせ。無料・30秒で完了。
Register free →無料登録 →
🕐
Response times対応時間・連絡先
📧
Email / Formメール・フォーム
1–2 business days1〜2営業日以内
Weekends: next business day土日祝は翌営業日
💬
LINE
Same day – next day当日〜翌営業日
Faster for urgent matters急ぎの場合はLINEが早い
🌏
Languages対応言語
EN · 日本語 · Tiếng Việt
❓
FAQ
Is the first consultation free?相談は無料ですか？
Yes — initial questions and consultations are always free.はい、初回のお問い合わせ・相談は無料です。
Can you help with any visa type?どんなビザでも相談できますか？
We handle most residence statuses including work visas, spouse visas, PR, and naturalization.技人国・配偶者ビザ・永住・帰化など主要な在留資格に対応しています。
Do you respond in English?英語での対応はできますか？
Yes. All communication can be done in English, Japanese, or Vietnamese.英語・ベトナム語でのご相談も承っています。
What's the visa reminder?ビザ期限リマインダーとは？
Register your visa expiry and we'll email you 3 months and 1 month before it expires — free, forever.ビザ期限を登録すると、3ヶ月前・1ヶ月前に自動でメールでお知らせします。完全無料です。