What's the cheapest way to send money from Japan to China?

The cheapest way to send money from Japan to China is through an online provider. Among the 7 available, [Instarem](https://go.monito.com/instarem?lng=en) was most often the cheapest provider (in 98.3% of the searches on Monito.com in the past 3 months).

How much does it cost to send money from Japan to China?

If you send money with the cheapest available provider, the total cost of a JPY-CNY transfer was 0.4% of the transfer amount (including all fees and exchange rates) over the past month. In contrast, the cost of the most expensive option was 11.5%.

What is the cost of making an international transfer from Japan to China using my bank?

The average total cost (including hidden exchange rate markup) of making a JPY-CNY transfer with banks compared by Monito.com during the past months was 8.3% of the transfer amount. This is 20.8x more expensive than sending money with the cheapest online provider alternative. For a 400000 JPY transfer, this represents a saving potential of around 31630.1 JPY.

Is Western Union a good option for sending money from Japan to China?

Western Union is a popular provider, with the biggest agent location network. The average cost of online money transfers from Japan to China with Western Union* is 1.7% of the amount you send, whereas the cheapest online services have an average cost of 0.4%. [Western Union](https://go.monito.com/western-union?lng=en) is the provider that is most often the cheapest for money transfers to a cash pick-up location in China. *Sending money from physical agent locations with Western Union is usually much more expensive than using their online service.

What's the cheapest provider to send money from Japan to a cash pick-up location in China?

Over the past 3 months, the provider that was most often the cheapest for cash pick-up transfers in China was [Western Union](https://go.monito.com/western-union?lng=en), with an average cost of 2.6% of the amount you send (includes fees + exchange rate margin). The average total cost to send to a bank account rather than to a pick-up location during the same period was 0.4%. [Instarem](https://go.monito.com/instarem?lng=en) was the provider most often the cheapest for transfers to bank accounts in China.

What is the fastest option to send money from Japan to China

The provider that was most often the fastest provider in comparisons of the past 30 days was [Western Union](https://go.monito.com/western-union?lng=en) (average fastest transfer time: In minutes)

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As featured on

Top Providers For transfers from Japan to China

Based on 118 comparisons made by Monito users in the past 3 months.

Compare live results

Best for Transfers to a Bank Account

Cheapest
8.3

Cheapest

in 98% of all comparisons
Go to Instarem
Top rated
9.0

Top rated

in 100% of all comparisons
Go to Wise
Fastest
8.6

Fastest

in 92% of all comparisons
Go to Western Union

Best of 7 providers. Compare all

Best for Transfers to Cash Pickup

Top provider
8.6

Cheapest

in 100% of all comparisons
Top rated

in 100% of all comparisons
Fastest

in 100% of all comparisons
Go to Western Union
Cheapest

in 100% of all comparisons
Top rated

in 100% of all comparisons
Fastest

in 100% of all comparisons

Best of 1 provider. Compare all

Stay on top of the market

1 JPY = CNY Mid-market exchange rate

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Compare 6 providers for a 400,000 JPY transfer from Japan to China

Results updated . 2 days ago

For the most up-to-date and accurate results, start a new search

Compare 4 providers

Sorted by amount received

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Best deal
8.3
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

8.9
Service & Quality

6.7
Fees & Exchange Rates

9.3
Customer Satisfaction

8.4
Read the full review
Transfer time

Fee & rates

Recipient gets

1 to 3 days

Pay by Bank transfer

Recipient gets

Fee Free

Exchange rate 0.041900

0.56% worse than mid‑market rate

16,760 CNY

You pay

400,000.00 JPY

Fee

0.00 JPY

Exchange rate

0.041900

1 JPY = 0.041900 CNY

0.56% worse than mid‑market rate 0.042137

Recipient gets
16,760 CNY

Transferred to a bank account

Details Go to Instarem Go
8.6
Our score
The score is based on our independent, in-depth evaluation based on over 50 data points.

Trust & Credibility

9.0
Service & Quality

8.5
Fees & Exchange Rates

7.4
Customer Satisfaction

9.5
Read the full review
Over 10 million online customers

Transfer time

Fee & rates

Recipient gets

In minutes

Pay by Bank transfer

Recipient gets

Fee 800.00 JPY

Exchange rate 0.041919

0.52% worse than mid‑market rate

16,734 CNY

You pay

400,000.00 JPY

Fee

800.00 JPY

Exchange rate

0.041919

1 JPY = 0.041919 CNY

0.52% worse than mid‑market rate 0.042137

Recipient gets
16,734 CNY

Transferred to a bank account

Details Go to Western Union Go
?
Our score

We've not yet reviewed this provider.

Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

Transfer time

Fee & rates

Recipient gets

1 to 3 days

Pay by Bank transfer

Recipient gets

Fee 5,168.68 JPY

Exchange rate 0.041747

0.92% worse than mid‑market rate

16,483 CNY

Estimated

You pay

400,000.00 JPY

Fee

2,000.00 JPY

Exchange rate

0.041747

1 JPY = 0.041747 CNY

0.92% worse than mid‑market rate 0.042137

Recipient gets
16,483 CNY

Estimated

Transferred to a bank account

Details
Not recommended
Consistently poor exchange rates, high fees and low customer satisfaction.
?
Our score

We've not yet reviewed this provider.

Not recommended Consistently poor exchange rates, high fees and low customer satisfaction.

Transfer time

Fee & rates

Recipient gets

1 to 3 days

Pay by Bank transfer

Recipient gets

Fee 6,668.68 JPY

Exchange rate 0.041422

1.7% worse than mid‑market rate

16,293 CNY

Estimated

You pay

400,000.00 JPY

Fee

3,500.00 JPY

Exchange rate

0.041422

1 JPY = 0.041422 CNY

1.7% worse than mid‑market rate 0.042137

Recipient gets
16,293 CNY

Estimated

Transferred to a bank account

Details
Not recommended
Consistently poor exchange rates, high fees and low customer satisfaction.

We source transfer fees, rates and other data from money transfer providers in different ways - in most cases in real time. We constantly monitor the quality of our comparison data, but we cannot guarantee its accuracy.

Want to send money to Japan from China instead?

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25M+ comparisons made

With more than 7 million searches per year, Monito's real-time comparison engine is a world leader in comparing international money transfer services.
$80M+ in transfer fees saved

By choosing a transfer service found on Monito, the average user pays a total of just 0.59% in fees and exchange rates. Compared to the 4.6% paid at a bank or traditional cash transfer service, Monito users have saved around $80 million in total to date!
200+ providers compared

For every service appearing on Monito, our experts build in-depth reviews using dozens of verifiable criteria to make clear, actionable recommendations to guide your decisions.
2,000+ in-depth guides

Far too often, sending money abroad is both pricey and problematic. That's exactly why our team of experts works tirelessly to offer the most in-depth, up-to-date, and helpful consumer advice.

Monito's Recommendations for Sending Money from Japan to China

Advertiser disclosure

Today's cheapest money transfer service might not be the cheapest tomorrow. Find the one that's best-suited to your needs and preference by comparing the best performers on Monito's comparison engine over the past 30 days for transfers from Japan to China:

Best Ways to Send Money from Japan to China

The best rated: Wise (9/10)
The cheapest: Instarem
The fastest: Western Union

Frequently Asked Questions

What's the cheapest way to send money from Japan to China?

The cheapest way to send money from Japan to China is through an online provider. Among the 7 available, Instarem was most often the cheapest provider (in 98.3% of the searches on Monito.com in the past 3 months).
How much does it cost to send money from Japan to China?

If you send money with the cheapest available provider, the total cost of a JPY-CNY transfer was 0.4% of the transfer amount (including all fees and exchange rates) over the past month.
In contrast, the cost of the most expensive option was 11.5%.
What is the cost of making an international transfer from Japan to China using my bank?

The average total cost (including hidden exchange rate markup) of making a JPY-CNY transfer with banks compared by Monito.com during the past months was 8.3% of the transfer amount. This is 20.8x more expensive than sending money with the cheapest online provider alternative.
For a 400000 JPY transfer, this represents a saving potential of around 31630.1 JPY.
Is Western Union a good option for sending money from Japan to China?

Western Union is a popular provider, with the biggest agent location network. The average cost of online money transfers from Japan to China with Western Union* is 1.7% of the amount you send, whereas the cheapest online services have an average cost of 0.4%.

Western Union is the provider that is most often the cheapest for money transfers to a cash pick-up location in China.

*Sending money from physical agent locations with Western Union is usually much more expensive than using their online service.
What's the cheapest provider to send money from Japan to a cash pick-up location in China?

Over the past 3 months, the provider that was most often the cheapest for cash pick-up transfers in China was Western Union, with an average cost of 2.6% of the amount you send (includes fees + exchange rate margin).

The average total cost to send to a bank account rather than to a pick-up location during the same period was 0.4%. Instarem was the provider most often the cheapest for transfers to bank accounts in China.
What is the fastest option to send money from Japan to China

The provider that was most often the fastest provider in comparisons of the past 30 days was Western Union (average fastest transfer time: In minutes)

About Money Transfers from Japan to China

Monito compares 7 providers offering international money transfer services from Japan to China. The total cost of the cheapest available option at any given point in the past month was 0.4% of the transferred amount. In comparison, the total cost of the most expensive provider was on average 11.5%.

💸 Number of providers	7
🏆 Cheapest provider (on average)	Instarem
💰 Lowest total cost (on average)	0.4%
💰 Highest total cost (on average)	11.5%
💸 Most transferred amount	400000 JPY
⚡ ️Fastest transfer time	In minutes
💳 Pay-in options	Bank transfer, Debit card
💵 Pay-out options	Bank account, Cash pickup, Mobile wallet, Bank account (via international transfer)
👍 Recommended providers	Wise, OFX, Instarem

See Monito's In-Depth Money Transfer Guides

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Everyone wins, except expensive solutions

With our model, the only losers are the expensive banks or providers you’ll stop using!

To ensure our independence, we always use transparent, objective and verifiable criteria in our comparison. No provider can buy their way to the top of our results.

We include as many providers as possible in our comparison and have partnerships with almost all major and innovative providers.

We make sure you never pay more than if you went directly to the provider of your choice. We even negotiate special offers for you with many of our partners.

You save money on your transfer by selecting the cheapest provider.
The best providers earn new customers without expensive marketing, helping keep their costs (and prices) low.
Monito receives a referral fee from the provider you selected. This enables us to offer our service to you for free.

Questions you may have

How can I use Monito to find the best option to send money to China?

Before each international money transfer, you should come and compare the costs of the different options on Monito, as they may have changed. The cheapest option is at the top, of our results but you may want to consider other criteria such as the speed of transaction or the pay-in or pay-out methods.
I simply use my bank to send money to China, do I really need to compare other options?

Of course! Banks are usually not the best way to make international money transfers. The fees can be quite low (and sometimes even zero), but beware of the poor exchange rates which banks often apply. We list as many banks as possible in our results, so do compare to find out if you’d be better off switching to another bank or a specialized money transfer company.
Can I trust a company I found on Monito but never heard about before?

Yes. We only list money transfer operators or banks that are fully authorized and monitored by the regulation authorities of the countries where they operate.
Is it possible to send money with Monito, or are you just a service to compare money transfer services?

Monito is not a money transfer company. We’re here to help you find the best way to send money to China.

Mid-market exchange rate

To calculate the total cost of your transfer, we compare the exchange rate every provider applies to your transactions with the latest mid-market exchange rate data that we source from XE.

Why You Can Trust Us

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, Monito co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services worldwide.

Today, Monito’s award-winning comparisons, reviews, and guides (no longer just about money transfers but also digital accounts, travel cards, eSIMs, and travel insurance) are trusted by millions each year. Our recommendations are backed by our comparison data and dozens of expert tests, allowing you to confidently make the savviest decisions.

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15+ million people across the globe trust Monito.
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Commissions we may receive never impact our independence.

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Find the best ways to send money to China from Japan

Top Providers For transfers from Japan to China

Best for Transfers to a Bank Account

Best for Transfers to Cash Pickup

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Compare 6 providers for a 400,000 JPY transfer from Japan to China

Monito's Recommendations for Sending Money from Japan to China

Best Ways to Send Money from Japan to China

Frequently Asked Questions

About Money Transfers from Japan to China

Best Rated Providers to Send Money from Japan to China

See Monito's In-Depth Money Transfer Guides

Everyone wins, except expensive solutions

Questions you may have

Mid-market exchange rate

Why You Can Trust Us