To send money from Japan to Indonesia, Remitly gave IDR 11.47 million and Wise IDR 11.42 million on our ¥100,000 sample. Fees, rates, e-wallets, October 2026.
As of October 2026, Remitly gave the most rupiah on our ¥100,000 sample to an Indonesian bank account: IDR 11,474,514 after a ¥100 fee, for a returning customer paying by bank transfer. Wise gave IDR 11,420,438, Western Union IDR 11,322,384, Brastel IDR 11,313,312 and SBI Remit IDR 11,280,540. Brastel pays to eight e-wallets including GoPay, OVO and DANA, but caps each wallet transfer at IDR 10 million. Seven Bank charges ¥890 to a bank account.
To send money from Japan to Indonesia, use a registered money transfer company (資金移動業者) from its app or website. On our sample of ¥100,000 sent on October 24, 2026, Remitly gave IDR 11,474,514 to an Indonesian bank account after a ¥100 fee, and Wise gave IDR 11,420,438. Western Union, Brastel and SBI Remit gave less. Japan Post Bank charges ¥3,000 before its rate. You need your residence card (在留カード) and My Number (個人番号), as of October 2026.
We priced ¥100,000 paid in total by bank transfer, using quotes captured between 23:01 and 23:06 JST on Saturday, October 24, 2026. Where a provider adds the fee on top, we took it out of the ¥100,000 first. Wise’s mid-market rate at that moment was 1 JPY = 115.33 IDR, so ¥100,000 was worth IDR 11,533,000. Rates change every day.
| Provider | Fee | Rate (1 JPY =) | Recipient gets (bank) | Total cost |
|---|---|---|---|---|
| Remitly | ¥100 | 114.86 IDR | IDR 11,474,514 | 0.51% |
| Wise | ¥976 | 115.33 IDR | IDR 11,420,438 | 0.98% |
| Western Union | ¥1,480 | 114.92 IDR | IDR 11,322,384 | 1.83% |
| Brastel Remit | ¥1,280 | 114.60 IDR | IDR 11,313,312 | 1.90% |
| SBI Remit | ¥1,480 | 114.50 IDR | IDR 11,280,540 | 2.19% |
Total cost compares what arrives with ¥100,000 at the mid-market rate. Remitly’s figure is the regular price for a returning customer. New customers got a promotional rate of 115.42 IDR and no fee on their first ¥100,000, which gave IDR 11,542,000.
The gap is real money: Remitly’s regular price put about IDR 194,000 more in the account than SBI Remit’s. SBI Remit and Brastel publish reference rates; the rate you get is fixed when the provider accepts the transfer. Brastel’s published Indonesia rate is for bank deposits. SBI Remit’s cash rate (114.63 IDR) was a little better than its bank rate and gave IDR 11,293,360. Western Union’s cash pickup rate was lower and gave IDR 11,271,346.
| Provider | Fee for ¥100,000 | Payouts |
|---|---|---|
| Seven Bank with Western Union | ¥890 to a bank account, ¥1,950 cash pickup | Bank (PT POS Indonesia, PT Bank Syariah Mandiri), Western Union agents |
| Japan Post Bank | ¥3,000, plus possible intermediary charges | Bank (SWIFT) |
We couldn’t record a rate for either. KYODAI Remittance (now Ria Kyodai, part of Ria Money Transfer) also sends to Indonesia in rupiah. We didn’t price it at our sample time, so it isn’t scored; check its estimator on the day.
We score each provider with a full price on the sample, using our remittance method: total cost (30%), speed (15%), payout options (15%), sign-up for foreigners (15%), support (10%) and regulation (15%). Cost scores 10 minus 3 points per 1% of total cost. “n/a” means no evidence, and it’s left out of the average.
| Provider | Cost | Speed | Payouts | Sign-up | Support | Regulation | Overall |
|---|---|---|---|---|---|---|---|
| Remitly | 8.5 | n/a | 9 | 8 | 7 | 10 | 8.6 |
| Wise | 7.1 | 9 | 4 | 8 | 8 | 10 | 7.6 |
| Brastel Remit | 4.3 | 7 | 9 | 7 | 7 | 10 | 6.9 |
| Western Union | 4.5 | n/a | 8 | 7 | 7 | 10 | 6.8 |
| SBI Remit | 3.4 | 8 | 6 | 7 | 7 | 10 | 6.4 |
How the 0–10 scale maps, the same on every country page:
| Criterion | Scale |
|---|---|
| Cost | 10 minus 3 points per 1% of total cost (1% = 7, 2% = 4) |
| Speed | From published delivery times. 9: bank deposit in seconds. 8: a payout in about 10 minutes, and no bank time over a day. 7: within a few hours, or cash or wallet in minutes but bank deposits up to 3 business days. 6: within about a working day. 5: 1 to 3 business days. n/a: no published time |
| Payouts | 4: bank only. 6: bank and cash pickup. 8: bank and cash plus an unnamed wallet or mobile money, or bank plus wallets without cash. 9: bank, cash and a named local wallet (such as bKash, GCash or eSewa). 10: that, plus several wallets and home delivery |
| Sign-up | 8: residence card or My Number card checked in the app, no mailed step. 7: residence card accepted, with a courier step or fewer published details. Lower if you must visit a counter; 0 if foreign residents can’t sign up |
| Support | 8: English app and site with a detailed English help center. 7: English app, site and customer service. Lower if support is in Japanese only |
| Regulation | 10: registered with the FSA as a funds transfer provider, or a licensed bank. 0: not registered |
All five are registered with the FSA: Remitly Japan (Kanto 00077), Wise Payments Japan (Kanto 00040), Brastel (Kanto 00016), Western Union Japan (Kanto 00039) and SBI Remit (Kanto 00008).
Best for:
Yes, with some providers. This helps if you’re new in Japan and your bank account isn’t ready yet.
Remitly doesn’t accept cash at ATMs or credit cards from Japan. Wise is cheapest when you pay by bank transfer; a debit card raised its fee on our sample from ¥976 to ¥4,117.
Each transfer through a Type 2 provider is capped at ¥1,000,000 by law, and transfers over ¥1,000,000 are reported to the tax office. Provider limits can be lower: Brastel allows up to ¥800,000 per transfer, and SBI Remit up to ¥1,500,000 a month to Indonesian bank accounts. Japan Post Bank’s limit is under ¥1,000,000 per transfer.
If you are going home for good, read about the pension refund before you leave. More guides: send money from Japan, send money from Japan to the Philippines and send money from Japan to Vietnam.
On our ¥100,000 sample on October 24, 2026, Remitly gave IDR 11,474,514 to a bank account and Wise IDR 11,420,438. Western Union, Brastel and SBI Remit gave about IDR 150,000 to 195,000 less than Remitly. New Remitly customers got a better rate and no fee on their first ¥100,000.
SBI Remit charges ¥1,480 for ¥50,001 to ¥250,000, ¥880 for ¥10,001 to ¥50,000 and ¥460 up to ¥10,000. At 23:01 JST on October 24, 2026, its reference rate was 1 JPY = 114.50 IDR to a bank account and 114.63 IDR for cash.
Yes. Brastel pays to GoPay, OVO, DANA, LinkAja, ShopeePay, IMkas, AstraPay and Paytren within 15 minutes, up to IDR 10 million per transfer for upgraded wallet users and IDR 2 million for regular users. Remitly shows GoPay, and Western Union offers mobile money.
Wise quoted 'in seconds' to a bank account. SBI Remit says bank transfers arrive within 10 minutes at the soonest, weekends included. Brastel says 1 to 3 hours to BNI, BRI and Syariah Mandiri and 1 to 3 business days to other banks.
Yes, with some providers. SBI Remit takes cash at convenience stores and at ATMs with its Remit Card, Brastel at Japan Post Bank ATMs with its card, and Western Union at convenience stores. Seven Bank needs a Seven Bank account.
Spotted something out of date or wrong? Email [email protected] and we will check it against the source. See our corrections policy.
Photo by Mufid Majnun on Unsplash
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