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JPY/CNY Remittance Guide
Japanese Yen (JPY) → Chinese Yuan (CNY) Complete Transfer Guide
Corridor Overview
Important corridor for Chinese residents in Japan remitting home, post-study returnees, and converting Japan shopping proceeds.
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
Alipay International Visit →
Fees ~0.5–1.5% fee; better rates for larger amounts
Transfer Speed Instant (Alipay to Alipay)
Min. Amount CNY 1
Best For Transfers into mainland China, Alipay users
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
- Converting JPY to CNY at Japanese banks is usually expensive. Wise or cross-border fintech platforms offer better rates.
- Japanese tax residents sending large amounts home should check if gift tax reporting obligations apply.
Key Regulations
- Japan's Foreign Exchange and Foreign Trade Act requires declaration to the Ministry of Finance for large cross-border fund movements.
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