Nihon Hustle

Send Money to Japan with XOOM

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Can you send money from Japan with Western Union? Yes.
Can you send money to Japan with Western Union? Yes.

In contrast to Western Union's more than 150 year history, Xoom has only been operating in the international money transfer business since 2001. That said, they're a formidable player—particularly if you're in need of transferring money to Mexico or The Philippines, the two countries that account for the largest among money transfers for the service. In fact, years ago I personally used Xoom to transfer money for freelance editing services to my editor who lived in Manilla—things always went off without a hitch. Today, Xoom is owned by PayPal enabling an even greater degree of perceived security and breadth of services since Xoom has historically been for person-to-person money transfer transactions. Since it's not currently possible to send money from Japan using Xoom, lets take a look at some of the benefits of using Xoom to send money to Japan.


What are the benefits of using XOOM to send money to Japan?

Send Money To Japan From the U.S., Nihon Hustle

In person locations.


In Japan, the system structure we often deal with is obviously slanted toward in-person transactions. And, because cross-border banking regulations often involve a significant amount of paperwork to get started, taking care of that paperwork face-to-face can be much simpler, particularly if you're doing it in broken Japanese.
Xoom has lightened this load a bit by parterning with numerous large banks in the country, so getting access to your money is as easy for most of us as walking down the street.

Since you're use of Xoom in Japan will be to receive money from overseas, the situation is even more ideal for those individuals who want to send money to your Japanese bank account. As of January 24, 2021, for example, The United States has 7024 locations to send and recieve money, Vietnam has 1758 money transfer locations, The Philippines has 74, and there are an astounding 100,211 money transfer locations in India. Wow!

Money sent from international locations outside Japan, arrive in your bank account in yen. Transactions can be accepted at any of these supported Japanese nation wide banks:

Aomori Bank, Ashikaga Bank, Awa Bank, Bank of Fukuoka, Bank of Kyoto, Bank of Okinawa Ltd., Bank of Tokyo Mitsubishi UFJ, Ltd., Bank of Yokohama, Ltd., Chiba Bank, Ltd., Hokkaido Bank, Ltd., Hokkoku Bank, Ltd., Hokuriku Bank, Ltd., Japan Post Bank Co., Ltd., Joyo Bank, Ltd., Mizuho Bank Ltd., Resona Bank, Ltd., Saitama Resona Bank Limited, Seven Bank Ltd., Shizuoka Bank, Ltd., SMBC Trust Bank, Sumitomo Mitsui Banking Corporation

Fees comparable to other remittance companies.


How much does it cost to send money to Japan using Xoom? As of January 24, 2021, in USD: if transferring money using a PayPal balance or bank account, the fee is $9.99. Debit and credit card remittances are charged at $20.00 fee.

As stated on Xoom's website, it “also makes money when it changes your send currency into a different currency. Xoom rounds to the nearest whole yen.” The firm's exchange rate generally fluctuates between 1-3% above the mid-market rate. So, this can make Xoom more expensive than other providers, particularly, Wise which does not make money on the exchange rate, charging only the mid-market rate without applying any markup.

Integration with PayPal.


For some senders, the convenience of being able to use a PayPal balance to send money to Japan is what forces the decision to use Xoom. But, given there are so many other options, that advantage hardly makes it a deal breaker.

Speed of transfer. Like Western Union, international money transfers funded with cash, a bank account, credit or debit card, are often funded to your Japan account within hours when sent Monday – Friday, midnight – 10 a.m., JST to all banks in Japan.((

Multiple funding options. Money can be sent to Japan using CAN, EUR, GBP, USD currencies (this includes credit and debit payments as well as a PayPal balance) and cash can be delivered on pickup within Japan. The ability to send money in these currencies using cash, so it can be received as cash is one advantage to using Xoom over Wise, if that is a preferred option.

For many years, Western Union was my go to service for wire transfers in the U.S. since, when I was in college, there was a Western Union right in town. These days, I'm operating more or less online for most things I do, save for supporting the local small businesses here in Kobe. There are some amazing sake vendors here! Either way, if peace of mind and dealing face-to-face with a Western Union representative is important to you, there are many options for you when it comes to sending an international wire using their service.


Often the fastest money transfer you can get. Fees are a little bit more than others, but if speed is your concern, you likely can't beat Xoom. Send as little as $10 USD. Pay bills, and send money to friends and family even if they don't use Xoom.