JapanJPYJapanese Yen
Yen to a Japanese account or card - direct SWIFT is limited, but ATM24 will arrange the route in 15 minutes and lock in the exchange rate before payment.
The route, the receiving bank and the payout amount are agreed before payment.
Japan is a popular destination for Russians with business connections, students at Japanese universities, and those supporting family members who have relocated to Tokyo, Osaka, or Sapporo. Japanese banks operate under strict AML/KYC standards, and a number of major banks, including MUFG and SMBC, have strengthened verification of transfers related to Russia since 2022. ATM24 evaluates each request individually; credit via SWIFT typically takes 3 to 7 business days after confirmation. Japan's payment infrastructure remains one of the most advanced in the world.
PayPay is one of Japan's largest mobile payment services with an audience of over 60 million users. IC cards Suica and PASMO are used not only for public transportation but also for purchases at more than 500,000 retail locations, including shops, restaurants, and vending machines. JPY (Japanese yen) is Japan's national currency and one of the world's reserve currencies. An important feature—many bank branches in Japan operate roughly from 9:00 AM to 3:00 PM, so banking hours should be factored into transfer timelines. The availability of obtaining cash yen through ATM24 is clarified when submitting your request. For non-cash transfers, you need a bank account at a Japanese bank and the SWIFT/BIC code of the recipient's bank. JCB is Japan's international card system; however, the availability of card deposits within a specific transfer must be clarified separately.
Japan's payment ecosystem: banks, cards, e-wallets, and transfers. Country—Japan. Receiving currency—JPY (Japanese yen). Sending currency—RUB, USD, and USDT. Transfer method—Visa and Mastercard bank card or bank account. ATM24 commission—from 0.9%. Transfer time—from a few minutes for available domestic channels; SWIFT bank transfer—3 to 7 business days.
Japan's payment ecosystem: major payment systems and services. PayPay is one of Japan's QR payment leaders with an audience of over 60 million users and a wide network of merchant acceptance. IC cards Suica and PASMO are used for public transportation and purchases at more than 500,000 retail locations, vending machines, and restaurants. nanaco and WAON are popular electronic payment cards linked to 7-Eleven and AEON networks and used for everyday purchases. Financial regulator—FSA (Financial Services Agency), which oversees banks and fintech companies. Bank branches in Japan typically operate Monday–Friday from 9:00 AM to 3:00 PM; Japan Post Bank ATMs are available on weekends, though hours depend on the specific branch and ATM.
MUFG (Mitsubishi UFJ), Mizuho, SMBC and other Japanese banks are supported. You need 16 digits of the card and the recipient's name in Latin letters as in the Japanese passport. Direct SWIFT from Russia to Japan is limited - clarify the route with your manager
Transfer of yen to an account at Japan Post Bank, MUFG, Mizuho, SMBC and other Japanese banks. You need the bank's SWIFT/BIC, account number, recipient's name in Latin letters. Suitable for regular payments for rent, education or when working in Japan
JPY cash withdrawal through ATM24's partner network in major Japanese cities - availability is clarified with your manager. Current withdrawal locations available from your manager when submitting your request
ATM24 will select a working route to Japan and lock in the yen exchange rate - a manager will contact you within 15 minutes of your request.
We accept RUB, USD, EUR and USDT — we pay out in JPY
RUB JPY
1.67per 1 RUB
10 000 ₽ = 16 662 JPYUSD JPY
149.38per 1 USD
100 $ = 14 938 JPYEUR JPY
169.34per 1 EUR
100 € = 16 934 JPYUSDT JPY
149.38per 1 USDT
100 USDT = 14 938 JPY| You send | Payout in JPY |
|---|---|
| 100 USDT | 14 938 JPY |
| 300 USDT | 44 815 JPY |
| 500 USDT | 74 691 JPY |
| 1 000 USDT | 149 383 JPY |
| 5 000 USDT | 746 914 JPY |
Where recipients usually get the money in Japan
Japan's largest bank by assets, accepts international transfers in JPY.
SMBC Sumitomo Mitsui — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Mizuho Financial Group — a financial group or banking holding company whose services may include banking, payments, and corporate accounts.
Postal bank with the widest coverage. Simple details for transfers.
Resona Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency of the country is the Japanese yen (JPY).
Card systems
The national payment system JCB (Japan Credit Bureau) is Japan's international card system, widely used throughout Japan. Visa and Mastercard are also widely available in the country.
Payment applications
E-wallets PayPay, Rakuten Pay, and au PAY are among Japan's leading mobile payment services, used for QR payments, purchases, and other everyday operations.
Interbank transfers
Interbank transfers within Japan are made through ZENGIN - the national banking system designed for domestic transfers between financial organizations. ATM24 credits funds with conversion of rubles to JPY to a Japanese bank account or card via an available transfer route. Japanese banks typically operate Monday–Friday from 9:00 AM to 3:00 PM local time (UTC+9).
Financial regulator
The country's central bank is the Bank of Japan, and supervision of financial markets and financial organizations is carried out by the FSA (Financial Services Agency).
Features for ATM24
ATMs in 7-Eleven and Lawson stores are often available 24/7.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
We quickly agreed and exchanged the funds. Timing was very fast and easy
Read full reviewThank you! Everything went well and quite quickly despite my small mistake. Manager Ekaterina fixed the whole situation. I received cash baht. I recommend!
Read full reviewThe guys work promptly. They answer quickly, help where it's unclear. Manager Stanislav explained everything in detail, even a child could handle it) The rate is reasonable, very satisfied with the service.
Read full reviewThey really helped cash out money in baht in Patong via transfer, quickly and well, thanks to manager Anna, she helped promptly.
Read full reviewTrustpilot
I needed dirhams in the UAE, contacted this company, they responded quickly, explained everything in detail, I withdrew money at the ATM with no problems Huge thanks to manager Anna
Read full reviewTrustpilot
Excellent exchange office. Good rate, clear operation and quick receipt of money. Tried several companies, but for more than a year now I work only with them.
Read full reviewEverything is very convenient, they explained quickly. Thank you, I will use you again!
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
We've compiled answers to frequently asked questions about Japanese currency, yen and transfers to a Japanese account from Russia.
To send money to Japan with payout in JPY through ATM24, confirm the recipient name spelling, bank branch details, and account or card route. ATM24 checks MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, Japan Post Bank, or the selected route before the sender pays. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
In Japan, a JPY transfer is checked against the receiving bank's account format and name spelling rules. ATM24 can review MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, Japan Post Bank, or a supported card route before payment. The payout route is confirmed with the recipient details, not assumed from the country alone. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
For Japan, JPY payouts can be checked through MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, Japan Post Bank, and Resona Bank. ATM24 reviews branch details, account type, and recipient-name spelling before payment. The selected bank route decides which fields are needed.
For a JPY transfer to Japan, ATM24 checks recipient-name spelling, bank name, branch details, account type, and account or card route. MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, and Japan Post Bank may require different fields. The manager confirms the JPY details before payment. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
A JPY transfer to Japan can start from 15 minutes after ATM24 checks bank branch details, account type, and recipient-name spelling. MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, Japan Post Bank, or a card route can affect timing. The sender sees the expected time before payment. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
The ATM24 fee for a JPY transfer to Japan starts from 0.9% and is confirmed before payment. MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, and Japan Post Bank can differ by account format, name spelling, and bank review. If the sender pays by card or bank transfer, external provider fees may apply. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
Yes, ATM24 can calculate a JPY payout to Japan when the sender uses an available card, bank transfer, USDT, or another confirmed method. The manager checks MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, Japan Post Bank, branch details, and recipient-name spelling. Sender-bank or card-issuer fees are separate from the JPY amount shown before payment. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
JPY transfers to Japan through ATM24 start from 100 USD or the equivalent. The upper limit is checked by bank branch details, recipient-name spelling, account or card route, sender payment method, and document requirements. MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, and Japan Post Bank routes are confirmed before payment for larger transfers. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
For a large JPY transfer to Japan, ATM24 may check branch details, account type, recipient-name spelling, and payment purpose. Sender ID and source-of-funds documents can be requested when MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, or Japan Post Bank needs extra review. The manager confirms the list before the sender pays. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
For a 1000 USD transfer to Japan, the JPY amount should be checked through the exact bank or card route: 149,382.74 JPY. MUFG, Mizuho, Sumitomo Mitsui Banking Corporation, Japan Post Bank, and branch details can affect the calculation. ATM24 confirms the final JPY amount before payment. Bank-route examples for Japan: MUFG, Mizuho, Japan Post Bank, Ōtawara Shinkin Bank, and d NEOBANK.
Could not find an answer to your question?
Contact support
