To send money from Japan to Sri Lanka, Remitly gave LKR 210,426 on our ¥100,000 sample, then Western Union and Wise. Fees, rates and payouts, October 2026.
As of October 2026, Remitly gave the most rupees on our ¥100,000 sample to a Sri Lankan bank account: LKR 210,426 after a ¥130 fee, for a returning customer paying by bank transfer. Western Union gave LKR 209,158, Wise LKR 209,111 and SBI Remit LKR 208,923. SBI Remit credits Commercial Bank of Ceylon accounts the same day if you send by 19:30 JST. Brastel charges ¥1,480 and Japan Post Bank ¥3,000, but we couldn't record their rates.
To send money from Japan to Sri Lanka, 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 LKR 210,426 to a Sri Lankan bank account after a ¥130 fee. Western Union, Wise and SBI Remit gave LKR 208,923 to LKR 209,158. 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 23:04 JST on 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 = 2.11728 LKR, so ¥100,000 was worth LKR 211,728 before any costs. Rates change every day.
| Provider | Fee | Rate (1 JPY =) | Recipient gets (bank) | Total cost |
|---|---|---|---|---|
| Remitly | ¥130 | 2.1070 LKR | LKR 210,426 | 0.61% |
| Western Union | ¥1,000 | 2.1127 LKR | LKR 209,158 | 1.21% |
| Wise | ¥1,236 | 2.11728 LKR | LKR 209,111 | 1.24% |
| SBI Remit | ¥1,000 | 2.1103 LKR | LKR 208,923 | 1.33% |
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 no fee and a promotional rate of 2.1201 LKR on their first ¥100,000, which gave LKR 212,010. That offer is for new customers only, once, and for a limited time.
Western Union, Wise and SBI Remit were less than LKR 250 apart, so the order among them can change with the next rate update. For cash pickup, Western Union’s rate gave LKR 208,666 and SBI Remit’s LKR 207,456 on the same sample.
| Provider | Fee for ¥100,000 | Payouts |
|---|---|---|
| Brastel Remit | ¥1,480 | Bank, cash pickup |
| Japan Post Bank (ゆうちょ銀行) | ¥3,000, plus possible intermediary charges | Bank (SWIFT) |
Brastel’s ¥1,480 covers ¥30,001 to ¥100,000. Its fee for ¥1,000 to ¥30,000 is ¥880, and for ¥100,001 to ¥800,000 it’s ¥1,680. Instarem also sends from Japan to Sri Lanka, but its page didn’t show a price for ¥100,000. KYODAI Remittance (now Ria Kyodai, part of Ria Money Transfer) also sends to Sri Lanka in rupees. 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%). “n/a” means no evidence, and it’s left out of the average.
| Provider | Cost | Speed | Payouts | Sign-up | Support | Regulation | Overall |
|---|---|---|---|---|---|---|---|
| Remitly | 8.2 | n/a | 8 | 8 | 7 | 10 | 8.3 |
| Wise | 6.3 | 9 | 4 | 8 | 8 | 10 | 7.3 |
| SBI Remit | 6.0 | 8 | 6 | 7 | 7 | 10 | 7.2 |
| Western Union | 6.4 | n/a | 6 | 7 | 7 | 10 | 7.1 |
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 four are registered with the Financial Services Agency (金融庁): Remitly Japan (Kanto 00077), Wise Payments Japan (Kanto 00040), SBI Remit (Kanto 00008) and Western Union Japan (Kanto 00039).
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 credit cards from Japan; pay with a Japan-issued Visa or Mastercard debit card or a bank account. Wise is cheapest when you pay by bank transfer. A personal debit card raised its fee on our sample to ¥3,885 to ¥4,365.
Each transfer through a Type 2 provider, such as Remitly, Western Union or Brastel, is capped at the equivalent of ¥1,000,000 by law. Transfers over ¥1,000,000 are reported to the tax office. Japan Post Bank’s own limit is under ¥1,000,000 per transfer. If you are leaving Japan for good, also read about the pension refund.
More guides: send money from Japan, send money from Japan to India, send money from Japan to Nepal and send money from Japan to Bangladesh.
On our ¥100,000 sample on October 24, 2026, Remitly gave LKR 210,426 to a bank account for a returning customer. Western Union, Wise and SBI Remit gave LKR 1,268 to LKR 1,503 less. New Remitly customers got a promotional rate and no fee on their first ¥100,000.
At 23:01 JST on October 24, 2026, SBI Remit's reference rate was 1 JPY = 2.110333 LKR to a bank account and 2.095516 LKR for cash pickup. The rate is fixed when SBI Remit accepts your transfer. Its fee is ¥1,000 above ¥30,000.
SBI Remit says money sent by 19:30 JST to a Commercial Bank of Ceylon account is generally credited the same day, and MoneyGram cash pickup takes about 10 minutes. Wise estimated arrival within seconds. Brastel says 1 to 3 business days to a bank account.
Yes. SBI Remit pays cash through MoneyGram agents, Brastel through Bank of Ceylon, and Western Union and Remitly also offer cash pickup. Wise pays to bank accounts only.
Spotted something out of date or wrong? Email [email protected] and we will check it against the source. See our corrections policy.
Sending money home
Send money from Japan for about 0.4% to 2.5% of ¥100,000 with registered apps, versus ¥3,000+ at banks. Costs to 10 countries, My Number rules, October 2026.
Sending money home
To send money from Japan to Bangladesh, KYODAI gave BDT 77,971 and Remitly BDT 77,961 on our ¥100,000 sample. Fees, rates, bKash and cash, October 2026.
Sending money home
To send money from Japan to China, Remitly gave CNY 4,223 and SBI Remit CNY 4,208 on our ¥100,000 sample. Fees, rates, Alipay, WeChat and limits, October 2026.
