How to Send Money to Nepal From Japan
Japan is home to a large Nepali community of students, workers and families. Sending yen home is routine, but Japan's identity rules and the way the yen is quoted trip people up. Here is how to get the most rupees.
- Use a licensed funds transfer provider registered with Japan's Financial Services Agency, or a bank. Informal channels are illegal.
- Apps such as Wise and Instarem quote yen to rupees online; compare the NPR your family receives, not the fee alone.
- Expect to show your residence card and My Number: Japanese rules require identity checks for overseas transfers.
- Nepal Rastra Bank quotes the yen per 10 yen. A rate of 9.7 means 1 yen is about NPR 0.97.
Your options from Japan
Money can leave Japan for Nepal through three kinds of licensed channel:
- Online remittance apps: services like Wise and Instarem send yen to a Nepali bank account and show the rate and fee before you pay.
- Funds transfer service providers with counters: licensed remittance companies registered with Japan's Financial Services Agency, often with staff who speak Nepali or English, plus Western Union agents.
- Banks: Japanese banks can send overseas wires, usually with higher fees and a weaker rate than specialist services.
Live JPY to NPR quotes today
| Provider | JPY→NPR rate | Fee | Family receives on ¥ 1,000 |
|---|---|---|---|
| Instarem Most NPR | रू 0.96 | ¥ 0.00 | रू 957 |
| Wise | रू 0.96 | ¥ 302.00 | रू 672 |
Live quotes for a ¥ 1,000 bank-to-bank transfer, collected 2026-10-16 via price comparison. Promotional first-transfer rates excluded. Availability and pricing change daily — the live corridor tool re-quotes every morning.
Reading the yen rate
Nepal Rastra Bank publishes the yen rate per 10 yen, because one yen is worth less than one rupee. Divide the published figure by 10 for the value of a single yen. Remittance apps usually quote per single yen, so make sure you compare like with like. Today's official reference is on the JPY to NPR rate page.
Documents you will need
- Your residence card (zairyu card) or passport, and your My Number: Japanese providers must verify identity and collect My Number for overseas remittances.
- A Japanese bank account for app-based transfers.
- The recipient's name exactly as on their Nepali ID, bank name and account number, or wallet number.
How fast does it arrive?
Bank deposit to a Nepali account is usually same day or next day; wallet delivery to eSewa or Khalti is near-instant where the provider supports it; cash pickup is instant once the control number is shared. Allow extra time for your first transfer while the provider verifies you.
Avoid informal channels
Unregistered money transfer (hundi) is illegal in Japan and in Nepal, offers no recourse if money disappears, and does not count as formal remittance in Nepal. Money received through formal channels can go straight into a Nepali bank account and earn interest; see today's fixed deposit rates.
On the Nepal side
Money from Japan arrives by bank deposit (best rate, earns interest immediately), wallet or cash pickup. The full walkthrough is in our guide to receiving money in Nepal.
Sending for Dashain & Tihar 2026
Dashain tika is Wednesday, October 21 and Bhai Tika Wednesday, November 11. Nepali banks close around both, so send by ~October 14 and ~November 2 for bank-deposit payouts. Details: sending money home for Dashain & Tihar.
Frequently asked questions
What is the best way to send money from Japan to Nepal?
Use a licensed provider registered with Japan's Financial Services Agency or a bank, and compare the rupees your family receives for your exact amount. App-based services such as Wise and Instarem show the rate and fee up front.
Do I need My Number to send money from Japan?
Yes, in most cases. Japanese providers must verify your identity for overseas transfers and collect your My Number, along with your residence card or passport.
Why is the yen rate around 9.7 when 1 yen is worth less than 1 rupee?
Nepal Rastra Bank quotes the yen per 10 yen. Divide by 10 for the value of one yen.
How long does it take from Japan to Nepal?
Bank deposit is usually same day or next day; cash pickup is instant once the control number is shared.
Check today's JPY to NPR rate and history. Before you send: compare every option in the remittance apps guide, check the live corridor comparison and today's NRB exchange rates — and help the money earn at home with the best FD and savings rates.