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CNY/JPY Remittance Guide
Chinese Yuan (CNY) → Japanese Yen (JPY) Complete Transfer Guide
Corridor Overview
High-frequency CNY-JPY corridor. Most commonly used by Chinese students, tourists, and workers in Japan.
Recommended Platforms
Top Pick
Wise Visit →
Fees ~0.4–1% fee, transparent exchange rate
Transfer Speed 1–2 business days
Min. Amount USD 1
Best For Personal transfers, transparent rates
Remitly Visit →
Fees First transfer free; Economy ~USD 1–3, Express ~USD 3–5
Transfer Speed Express: instant; Economy: 3–5 days
Min. Amount USD 1
Best For Family support remittances, competitive rates
Western Union Visit →
Fees Fixed fee + spread; compare quotes carefully
Transfer Speed Instant to minutes (cash pickup)
Min. Amount USD 1
Best For Cash pickup, wide coverage
SWIFT Bank Transfer Visit →
Fees Bank fee USD 15–50; correspondent banks may deduct additional fees
Transfer Speed 3–5 business days
Min. Amount USD 1
Best For Large formal transfers, business use
Practical Tips
- JPY has depreciated significantly in recent years with high volatility. Monitor trends before timing your transfer.
- Cross-border Alipay/WeChat options to Japan are limited. Wise or bank wire transfer is recommended.
- No declaration needed for receiving under JPY 1,000,000 in Japan, but large amounts may require source explanation.
Key Regulations
- China annual FX quota USD 50,000 (approx. JPY 7.3M at reference rate).
- Japan's Foreign Exchange Act requires declaration for cross-border transfers exceeding JPY 30,000,000.
Important Notice
Exchange rates above are 2025 reference values. Actual rates are determined by the market and change constantly. Fee data is sourced from public information; confirm current charges on each platform. This page does not constitute investment or financial advice.
Data reference: 2026-06