Rate for 1 JPY. Provider sites and the comparison feed refresh hourly; provider-reported rates are entered by the provider from its own posts. Confirm the final rate and fee with the provider before you send.
Send money home with confidence.
Compare trusted remittance providers on exchange rates, fees, and speed. Find the right provider for your corridor.
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Today's rates
Every provider's rate for your corridor, including rates providers post on Facebook and other social pages
Remittance Providers
Compare rates, fees, and delivery speeds for money transfers
How Money Transfer Works
Three steps from choosing a provider to tracking your money home — click through each step
Step 1 of 3
Choose a provider
Compare providers on your corridor by the total cost — the exchange rate margin plus the upfront fee — not just the headline fee. The best deal depends on how much you send and how fast you need it.
- Compare the recipient-gets amount, never the headline fee
- Check the licence on the regulator's public register
- Lock the exchange rate at confirmation, not at processing
What to Compare
Look beyond the headline fee — these five factors decide the real cost
Exchange rate margin
The gap between the provider's rate and the real mid-market rate is often the biggest hidden cost. A 'zero fee' transfer can still be expensive if the rate is poor.
A 2% margin on a USD 1,000 transfer quietly costs USD 20 — more than many advertised fees.
Full guide: Exchange rate margin →Documents You'll Need
Have these ready to pass verification quickly and avoid transfer delays
Government ID or passport
A valid photo ID is required to open an account and pass KYC verification. Your passport is usually accepted everywhere.
Proof of address
A recent utility bill, bank statement, or tenancy document may be requested to confirm where you live in your study destination.
Recipient details
The receiver's full legal name (matching their bank/wallet), account or wallet number, and bank/branch codes such as IBAN, SWIFT, or routing number.
Source-of-funds evidence (large amounts)
For bigger transfers, providers may ask for a payslip, scholarship letter, or bank statement showing where the money came from. Have it ready to avoid delays.
Avoid Scams & Stay Safe
Simple habits that protect your money and your account
Use regulated, licensed providers
Stick to providers licensed in your country. Avoid sending money through social-media 'agents' offering rates that look too good to be true.
Never share login or one-time codes
A legitimate provider will never ask for your password or the OTP sent to your phone. Anyone who does is trying to scam you.
Double-check recipient details
Confirm the name and account number directly with the recipient. Transfers to the wrong account are often impossible to reverse.
Be wary of upfront-fee and 'overpayment' scams
If someone asks you to send money first to 'release' a larger amount, or pay tuition to an unofficial channel, stop and verify with your university directly.
Frequently Asked Questions
Common questions about sending money internationally as a student
What is a remittance corridor?
A corridor is the route money travels from one country to another — for example, sending from your study destination back home. Rates, fees, payout methods, and speed are all corridor-specific, so always compare providers for your exact pair of countries.
How do hidden fees work?
The upfront fee is only part of the cost. Many providers also add a margin to the exchange rate, which is harder to spot. To compare fairly, look at how much money the recipient actually receives for a fixed amount sent — that total tells you the real cost.
How long does a transfer take?
Anywhere from a few seconds to a few business days, depending on the provider, payout method, and corridor. Instant options cost more; standard bank transfers are cheaper but slower. Always allow extra time around tuition deadlines.
Are there limits on how much I can send?
Yes. Providers set per-transfer, daily, and annual limits that often depend on your verification level. Higher limits usually require additional ID or source-of-funds documents. Check the cap before scheduling a large payment like tuition.
What happens if I enter the wrong recipient details?
Transfers can fail or, worse, reach the wrong account — and recovery is often slow or impossible. Always double-check the recipient's name and account number before confirming. Contact the provider's support immediately if you spot a mistake.
Is sending money online safe?
Yes, when you use a licensed, regulated provider and protect your account. Never share passwords or one-time codes, avoid informal 'agents', and be cautious of deals that seem too good to be true. See the safety tips above for the key habits.
Related Services
Other student services to help you settle in and get set up