Send money from Japan to Philippines
Comparing 4 providers for 1,000 JPY → PHP
✓All providers licensed and regulated
Western Union
Fee ¥14 · Rate 0.3979
₱392
your recipient gets
| Provider | Fee | Rate | Spread | Recipient gets† | Speed | Action |
|---|---|---|---|---|---|---|
Western UnionBest value Receive via: Cash pickup · Bank account · Mobile wallet Pay with: Bank transfer · Debit card · Credit card · Cash (agent) | ¥14.00 | 0.3979 | +0.26% | ₱392.29 | 1 day | Send now |
🎁 No fees on your first transfer Receive via: Cash pickup · bank deposit · mobile wallet · more delivery options Pay with: Bank transfer · Debit card · Credit card · Apple Pay | ¥80.00 | 0.3840 | 3.23% | ₱353.28 | 22h | Send now |
Receive via: Bank Transfer · Cash Pickup · Mobile Money Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay | ¥200.00 | 0.3956 | 0.31% | ₱316.48 | — | Send now |
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay | ¥319.00 | 0.3997 | +0.72% | ₱272.20 | — | Send now |
Delivery & payment details
Receive via: Cash pickup · Bank account · Mobile wallet
Pay with: Bank transfer · Debit card · Credit card · Cash (agent)
🎁 No fees on your first transfer
Delivery & payment details
Receive via: Cash pickup · bank deposit · mobile wallet · more delivery options
Pay with: Bank transfer · Debit card · Credit card · Apple Pay
Delivery & payment details
Receive via: Bank Transfer · Cash Pickup · Mobile Money
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay
Delivery & payment details
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay
Updated October 15, 2026 at 04:32 AM UTC
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What we've measured on JPY → PHP
Across 44 days of our own recorded quotes, the gap between the best and worst provider on this corridor has run at a median of 24.3% (widest single day: 24.8%). On a 1,000 JPY transfer that is the difference between the best and worst choice.
The best provider has changed 1 times in that window, across 2 different providers (Western Union has led on the most days). This corridor is genuinely competitive, so the cheapest option today may not be the cheapest next week.
Provider rates on this corridor are measured against the European Central Bank's daily euro reference rates.
Recipients in Philippines can be paid via cash pickup, a bank account and a mobile wallet, based on what the providers above actually price for this corridor.
Figures come from our own append-only rate history, not from provider marketing. See the methodology and rate trends.
JPY to PHP — Frequently asked questions
What is the cheapest way to send JPY to PHP?
Western Union currently offers the best value for JPY → PHP, delivering 392 PHP for 1,000 JPY. We rank by the total amount received after fees and exchange-rate markup, updated every 4 hours. Note that the lead has changed 1 times in the last 44 days across 2 providers, so today's winner is not a permanent answer — check before each transfer.
What is the current JPY to PHP exchange rate?
The best available rate is 1 JPY = 0.40 PHP via Western Union. The reference (mid-market) rate is 0.40, taken from the European Central Bank's daily euro reference rates. Across 44 days of our own records, the spread between the best and worst provider on this corridor has run at a median of 24.3%. Rates are updated every 4 hours. Always confirm the final rate on the provider's site before sending.
Are there hidden fees when sending JPY to PHP?
On this corridor the two costs split roughly 15.32% in visible fees and 0.89% in exchange-rate markup, averaged over the 4 providers here that publish a fee — so the markup is the smaller part, about 5% of what you pay. We rank by the amount your recipient actually receives, which captures both. Learn how fees work →
Can I send JPY to a mobile wallet in Philippines?
Yes. Several providers on this page pay out to GCash and Maya in Philippines. Choose your wallet as the delivery method at checkout on the provider's site — the recipient gets the money directly in their mobile-wallet balance, usually within minutes. Rankings above already account for the fee and exchange-rate markup, so the best value applies to wallet payout too.