Remittance Services in Japan for OFWs

Here I made a comparison of OFW remittance services in Japan that I and my friends have used. I only listed BDO Remit, Smiles Remit, Yehey Remit, and Wise (Transferwise). I decided the criteria based on what I consider are the best features of a service. You may check their website to get more details.

I could say that Wise is the wisest choice among the services considering the fee and the exchange rate. The only downside to it is the time needed to transfer your money. It would require 2-3 banking days.

Moreover, for senders who are uncomfortable using digital services but are living within Tokyo, then BDO is the best choice. If you live outside Tokyo or in a more rural area, digital services are handy. I also recommend that you enable online banking system for more convenience.

And for senders whose recipients in the Philippines are living in provinces, a cash pick-up option is of utmost importance.

I can guarantee that these digital services are safe and secure. Smiles Remit is managed by JP Post Bank, Yehey Japan has provided other services for years now, like Balikbayan delivery and a second-hand gadgets online shop, Wise is an international remittance service with millions of users from around the world. Of course, BDO is very familiar to us pinoys.

As for me, before the pandemic I would go to BDO Remit Center in Shinjuku. But I still go there once in a while to pay for my insurance in the Philippines. Now, I am switching between Smiles and Yehey. I have an account with Wise but my mother opts to receive remittance via MLhuiller so, go figure!

Just choose which best suits for you and your loved-ones!

😉

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