This guide answers a frequent question from KL Fudousan clients: how to transfer money from Japan to Malaysia.
Wise is an international money transfer service that supports transfers from Japanese yen (JPY) to Malaysian ringgit (MYR). This page covers what to prepare, the basic transfer steps and points to watch when using Wise.
Account setup, identity verification and arrangements with your sending bank can take time. For payments with a deadline, such as tenancy deposits or property costs, prepare well in advance rather than on the due date.
What to prepare before transferring with Wise
To send MYR from Japan to a Malaysian bank account, first obtain the recipient’s correct bank details.
Account holder’s name
Bank name and account number
Amount and payment deadline
- Recipient’s full registered account name
- Malaysian bank name
- Bank account number
- Amount to send
- Payment deadline
- Transfer purpose and supporting documents such as a contract, if needed
For MYR transfers to Malaysian bank accounts, Wise generally asks for the recipient’s name, bank name and account number and related details.
When transferring a tenancy deposit or similar payment, ensure the recipient details entered in Wise match those supplied by us or stated in the contract. If anything is unclear, check with your contact before sending.
Steps to transfer from Japan to Malaysia
Wise’s screens and labels may change, but the basic process is as follows.
Register with Wise and complete identity verification as required. First-time users may need to submit identification documents.
Log into Wise and create a new transfer through Send.
Choose Japanese yen (JPY) to Malaysian ringgit (MYR), then enter either the amount to send or the amount the recipient should receive.
Enter the recipient’s full name, bank name, account number and other details. Always check for errors.
Before confirming, check Wise’s displayed fees, conversion amount, recipient amount and estimated arrival.
Follow the on-screen instructions. If paying by bank transfer, check Wise’s specified bank details and amount before proceeding.
After sending, track progress in Wise’s transaction screen. Wise sends updates as your transfer progresses.
Important points to watch
Identity or additional checks may take longer than expected. Prepare early for payments with a deadline.
Match the account name, bank and account number against the contract or information from your contact.
When paying Wise in JPY by bank transfer, the bank-account name generally must match your registered Wise name.
Check the exchange rate, fees, permitted amount and estimated arrival in Wise at the time of sending.
For large transfers
Advance checks are especially important for amounts larger than normal living costs or rental deposits, such as property purchase payments.
For Wise users with a registered address in Japan, some transfer methods currently support up to the equivalent of JPY150 million in large transfers. Different limits apply to methods such as sending directly from a Wise balance.
Your Japanese bank may also impose daily or per-transfer limits. Wise may request additional source-of-funds checks depending on the amount and purpose. Confirm the method well before large payments such as property purchases are due.
Large-transfer conditions may change. Check Wise’s latest official information when sending.
Frequently asked questions
For a normal transfer to a Malaysian bank account, the recipient does not need to be a Wise user. MYR can be sent to the specified account.
Timing depends on the method, amount, identity checks and bank processing. Check the estimated arrival displayed during the Wise transfer setup.
Fees vary with the amount and payment method. They are not fixed; check the displayed fee before confirming.
Because Wise can send MYR to Malaysian bank accounts, it can be an option if the recipient and contract terms allow it. Verify the specified account and amount before sending.
For JPY bank-transfer payments to Wise, use a bank account in the registered Wise user’s own name. Third-party payments may not be accepted.
Large transfers are supported, but conditions depend on the method, bank limits, identity checks and source-of-funds verification. Check the available amount and procedures with Wise and your bank well before the payment date.
Check the latest Wise information
Wise’s fees, limits, identity checks and screens may change. Consult the official website and help centre for current information when making a transfer.
Find account registration and transfer instructions here.
Check transfer limits and current currency-specific conditions.
This article provides general transfer guidance for KL Fudousan clients. KL Fudousan does not operate Wise and does not guarantee its services, transfer availability, exchange rates, fees or delivery times. Confirm actual service terms on Wise’s official website.
Information checked: 4 September 2026