Japan → Philippines · Updated Oct 27, 2026, 16:04 JST

Sending money from Japan to Philippines: who delivers the most?

Amount to send (fees included)

Sending ¥30,000? DCOM delivers the most

Best for ¥30,000

DCOM

Recipient gets

11,805 PHP

Total fees: ¥850
Rate: ¥1 = 0.4050 PHP
vs. #2: +6 PHP

Payout: Bank accountInside the appPay-in: From your bank account, inside the app

As of 16:04 JST on Oct 27, 2026, when sending ¥30,000 (fees included) from Japan to Philippines, DCOM delivers the most: 11,805 PHP (payout: Bank account, pay-in: From your bank account, inside the app, total fees ¥850). #2 is Smiles (11,799 PHP, 6 PHP less).

Amount received when sending ¥30,000

Using each provider's cheapest instant pay-in method Payout method (Bank account / GCash): for each provider we use whichever delivers more

1 DCOM 11,805 PHP
Total fees
¥850
Rate
¥1 = 0.4050 PHP
vs. #1
—
Payout: Bank accountInside the appFrom your bank account, inside the app
2 Smiles 11,799 PHP
Total fees
¥1,220
Rate
¥1 = 0.4100 PHP
vs. #1
−6 PHP
Payout: Bank accountDeposit at an ATMLawson Bank ATM
3 JRF Pay By BankNo pay-in fee until Dec 31, 2026 11,747 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
−58 PHP
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
3 SBI Remit 11,747 PHP
Total fees
¥1,100
Rate
¥1 = 0.4065 PHP
vs. #1
−58 PHP
Payout: Bank accountDeposit at an ATMLawson Bank ATM
5 KYODAI Remittance 11,661 PHP
Total fees
¥1,220
Rate
¥1 = 0.4052 PHP
vs. #1
−144 PHP
Payout: GCashDeposit at an ATMLawson Bank ATM
6 Japan Money Express Pay By Bank 11,600 PHP
Total fees
¥1,020
Rate
¥1 = 0.4003 PHP
vs. #1
−205 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app)

Providers where you pay inside the app (¥30,000)

No switching to your bank app, no typing an account number, no ATM. Ranked among providers where you pay from your bank account inside the remittance app.

1 DCOM 11,805 PHP
Total fees
¥850
Rate
¥1 = 0.4050 PHP
vs. #1
—
Payout: Bank accountInside the appFrom your bank account, inside the app
2 JRF Pay By BankNo pay-in fee until Dec 31, 2026 11,747 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
−58 PHP
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
3 Japan Money Express Pay By Bank 11,600 PHP
Total fees
¥1,020
Rate
¥1 = 0.4003 PHP
vs. #1
−205 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app)

Ranking when receiving via GCash (¥30,000)

Ranked using only the GCash payout for every provider

1 JRF Pay By BankNo pay-in fee until Dec 31, 2026 11,747 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
—
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
2 KYODAI Remittance 11,661 PHP
Total fees
¥1,220
Rate
¥1 = 0.4052 PHP
vs. #1
−86 PHP
Payout: GCashDeposit at an ATMLawson Bank ATM

For reference: providers that can't send instantly (2)

Wise 11,980 PHP Rate: ¥1 = 0.4055 PHP Bank transfer, about 30 minutes to process
Instarem 12,087 PHP Rate: ¥1 = 0.4029 PHP Bank transfer only, up to 2 business days

Sending ¥50,000? JRF delivers the most

Best for ¥50,000

JRF Pay By Bank

Recipient gets

19,849 PHP

Total fees: ¥1,000
Rate: ¥1 = 0.4051 PHP
vs. #2: +53 PHP

Payout: GCashInside the appPay-in: Pay By Bank (from your bank account, inside the app)No pay-in fee until Dec 31, 2026

Send with the JRF app

Opens the provider's app in the app store

As of 16:04 JST on Oct 27, 2026, when sending ¥50,000 (fees included) from Japan to Philippines, JRF delivers the most: 19,849 PHP (payout: GCash, pay-in: Pay By Bank (from your bank account, inside the app), total fees ¥1,000). #2 is SBI Remit (19,796 PHP, 53 PHP less).

Amount received when sending ¥50,000

Using each provider's cheapest instant pay-in method Payout method (Bank account / GCash): for each provider we use whichever delivers more

1 JRF Pay By BankNo pay-in fee until Dec 31, 2026 19,849 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
—
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
2 SBI Remit 19,796 PHP
Total fees
¥1,300
Rate
¥1 = 0.4065 PHP
vs. #1
−53 PHP
Payout: Bank accountDeposit at an ATMLawson Bank ATM
3 Smiles 19,794 PHP
Total fees
¥1,720
Rate
¥1 = 0.4100 PHP
vs. #1
−55 PHP
Payout: Bank accountDeposit at an ATMLawson Bank ATM
4 DCOM 19,784 PHP
Total fees
¥1,150
Rate
¥1 = 0.4050 PHP
vs. #1
−65 PHP
Payout: Bank accountInside the appFrom your bank account, inside the app
5 KYODAI Remittance 19,563 PHP
Total fees
¥1,720
Rate
¥1 = 0.4052 PHP
vs. #1
−286 PHP
Payout: GCashDeposit at an ATMLawson Bank ATM
6 Japan Money Express Pay By Bank 19,555 PHP
Total fees
¥1,150
Rate
¥1 = 0.4003 PHP
vs. #1
−294 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app)

Providers where you pay inside the app (¥50,000)

No switching to your bank app, no typing an account number, no ATM. Ranked among providers where you pay from your bank account inside the remittance app.

1 JRF Pay By BankNo pay-in fee until Dec 31, 2026 19,849 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
—
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
2 DCOM 19,784 PHP
Total fees
¥1,150
Rate
¥1 = 0.4050 PHP
vs. #1
−65 PHP
Payout: Bank accountInside the appFrom your bank account, inside the app
3 Japan Money Express Pay By Bank 19,555 PHP
Total fees
¥1,150
Rate
¥1 = 0.4003 PHP
vs. #1
−294 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app)

Ranking when receiving via GCash (¥50,000)

Ranked using only the GCash payout for every provider

1 JRF Pay By BankNo pay-in fee until Dec 31, 2026 19,849 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
—
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
2 KYODAI Remittance 19,563 PHP
Total fees
¥1,720
Rate
¥1 = 0.4052 PHP
vs. #1
−286 PHP
Payout: GCashDeposit at an ATMLawson Bank ATM

For reference: providers that can't send instantly (2)

Wise 20,017 PHP Rate: ¥1 = 0.4055 PHP Bank transfer, about 30 minutes to process
Instarem 20,145 PHP Rate: ¥1 = 0.4029 PHP Bank transfer only, up to 2 business days

Sending ¥100,000? Smiles delivers the most

Best for ¥100,000

Smiles

Recipient gets

40,274 PHP

Total fees: ¥1,770
Rate: ¥1 = 0.4100 PHP
vs. #2: +170 PHP

Payout: Bank accountDeposit at an ATMPay-in: Lawson Bank ATM

As of 16:04 JST on Oct 27, 2026, when sending ¥100,000 (fees included) from Japan to Philippines, Smiles delivers the most: 40,274 PHP (payout: Bank account, pay-in: Lawson Bank ATM, total fees ¥1,770). #2 is JRF (40,104 PHP, 170 PHP less).

Amount received when sending ¥100,000

Using each provider's cheapest instant pay-in method Payout method (Bank account / GCash): for each provider we use whichever delivers more

1 Smiles 40,274 PHP
Total fees
¥1,770
Rate
¥1 = 0.4100 PHP
vs. #1
—
Payout: Bank accountDeposit at an ATMLawson Bank ATM
2 JRF Pay By BankNo pay-in fee until Dec 31, 2026 40,104 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
−170 PHP
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
3 DCOM 40,034 PHP
Total fees
¥1,150
Rate
¥1 = 0.4050 PHP
vs. #1
−240 PHP
Payout: Bank accountInside the appFrom your bank account, inside the app
4 SBI Remit 39,958 PHP
Total fees
¥1,700
Rate
¥1 = 0.4065 PHP
vs. #1
−316 PHP
Payout: Bank accountDeposit at an ATMLawson Bank ATM
5 KYODAI Remittance 39,802 PHP
Total fees
¥1,770
Rate
¥1 = 0.4052 PHP
vs. #1
−472 PHP
Payout: GCashDeposit at an ATMLawson Bank ATM
6 Japan Money Express Pay By Bank 39,330 PHP
Total fees
¥1,750
Rate
¥1 = 0.4003 PHP
vs. #1
−944 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app)

Providers where you pay inside the app (¥100,000)

No switching to your bank app, no typing an account number, no ATM. Ranked among providers where you pay from your bank account inside the remittance app.

1 JRF Pay By BankNo pay-in fee until Dec 31, 2026 40,104 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
—
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
2 DCOM 40,034 PHP
Total fees
¥1,150
Rate
¥1 = 0.4050 PHP
vs. #1
−70 PHP
Payout: Bank accountInside the appFrom your bank account, inside the app
3 Japan Money Express Pay By Bank 39,330 PHP
Total fees
¥1,750
Rate
¥1 = 0.4003 PHP
vs. #1
−774 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app)

Ranking when receiving via GCash (¥100,000)

Ranked using only the GCash payout for every provider

1 JRF Pay By BankNo pay-in fee until Dec 31, 2026 40,104 PHP
Total fees
¥1,000
Rate
¥1 = 0.4051 PHP
vs. #1
—
Payout: GCashInside the appPay By Bank (from your bank account, inside the app) Get the app
2 KYODAI Remittance 39,802 PHP
Total fees
¥1,770
Rate
¥1 = 0.4052 PHP
vs. #1
−302 PHP
Payout: GCashDeposit at an ATMLawson Bank ATM

For reference: providers that can't send instantly (2)

Wise 40,109 PHP Rate: ¥1 = 0.4055 PHP Bank transfer, about 30 minutes to process
Instarem 40,290 PHP Rate: ¥1 = 0.4029 PHP Bank transfer only, up to 2 business days

Sending ¥300,000? Smiles delivers the most

Best for ¥300,000

Smiles

Recipient gets

122,089 PHP

Total fees: ¥2,220
Rate: ¥1 = 0.4100 PHP
vs. #2: +871 PHP

Payout: Bank accountDeposit at an ATMPay-in: Lawson Bank ATM

As of 16:04 JST on Oct 27, 2026, when sending ¥300,000 (fees included) from Japan to Philippines, Smiles delivers the most: 122,089 PHP (payout: Bank account, pay-in: Lawson Bank ATM, total fees ¥2,220). #2 is SBI Remit (121,218 PHP, 871 PHP less).

Amount received when sending ¥300,000

Using each provider's cheapest instant pay-in method Payout method (Bank account / GCash): for each provider we use whichever delivers more

1 Smiles 122,089 PHP
Total fees
¥2,220
Rate
¥1 = 0.4100 PHP
vs. #1
—
Payout: Bank accountDeposit at an ATMLawson Bank ATM
2 SBI Remit 121,218 PHP
Total fees
¥1,800
Rate
¥1 = 0.4065 PHP
vs. #1
−871 PHP
Payout: Bank accountDeposit at an ATMLawson Bank ATM
3 JRF Pay By BankNo pay-in fee until Dec 31, 2026 121,003 PHP
Total fees
¥1,300
Rate
¥1 = 0.4051 PHP
vs. #1
−1,086 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app) Get the app
4 DCOM 120,831 PHP
Total fees
¥1,650
Rate
¥1 = 0.4050 PHP
vs. #1
−1,258 PHP
Payout: Bank accountInside the appFrom your bank account, inside the app
5 Japan Money Express Pay By Bank 119,392 PHP
Total fees
¥1,750
Rate
¥1 = 0.4003 PHP
vs. #1
−2,697 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app)

Providers where you pay inside the app (¥300,000)

No switching to your bank app, no typing an account number, no ATM. Ranked among providers where you pay from your bank account inside the remittance app.

1 JRF Pay By BankNo pay-in fee until Dec 31, 2026 121,003 PHP
Total fees
¥1,300
Rate
¥1 = 0.4051 PHP
vs. #1
—
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app) Get the app
2 DCOM 120,831 PHP
Total fees
¥1,650
Rate
¥1 = 0.4050 PHP
vs. #1
−172 PHP
Payout: Bank accountInside the appFrom your bank account, inside the app
3 Japan Money Express Pay By Bank 119,392 PHP
Total fees
¥1,750
Rate
¥1 = 0.4003 PHP
vs. #1
−1,611 PHP
Payout: Bank accountInside the appPay By Bank (from your bank account, inside the app)

For reference: providers that can't send instantly (2)

Wise 120,487 PHP Rate: ¥1 = 0.4055 PHP Bank transfer, about 30 minutes to process
Instarem 120,870 PHP Rate: ¥1 = 0.4029 PHP Bank transfer only, up to 2 business days

Rate not available today: KYODAI Remittance

Times ranked #1 in October 2026

Daily at 16:04 JST for ¥50,000 (1 days recorded)

JRF1×

FAQ

How much arrives in Philippines if I send ¥30,000 from Japan?

As of 16:04 JST on Oct 27, 2026: 11,600 to 11,805 PHP. DCOM delivered the most.

How much arrives in Philippines if I send ¥50,000 from Japan?

As of 16:04 JST on Oct 27, 2026: 19,555 to 19,849 PHP. JRF delivered the most.

How much arrives in Philippines if I send ¥100,000 from Japan?

As of 16:04 JST on Oct 27, 2026: 39,330 to 40,274 PHP. Smiles delivered the most.

How much arrives in Philippines if I send ¥300,000 from Japan?

As of 16:04 JST on Oct 27, 2026: 119,392 to 122,089 PHP. Smiles delivered the most.

Does the best provider change with the amount?

On Oct 27, 2026 the best was: DCOM for ¥30,000, JRF for ¥50,000, Smiles for ¥100,000, Smiles for ¥300,000. Fees change in steps by amount, so the ranking can change.

Which delivers more: bank account or GCash?

It depends on the provider and the amount. We calculate both for every provider and rank each by whichever delivers more; each row shows the payout method used.

What is Pay By Bank?

A way to pay from your bank account instantly, inside the remittance app. No switching to your bank's app, no typing an account number, no ATM. With Japan Post Bank you register in about 3 minutes with your account symbol and number, phone number and cash-card PIN (no internet banking needed).

Why aren't Wise and Instarem ranked?

Their payments aren't reflected instantly, so you can't send right away. We show their amounts for reference.

How is the ranking decided?

Every day at 16:04 JST we collect rates and fees from each provider's official website and rank only by the amount received.

Which provider ranked #1 most often in October 2026?

In October 2026, JRF ranked #1 on 1 of 1 days recorded for ¥50,000 (as of Oct 27, 2026).