USD to JPY Exchange Rate & Bank Wire Fee Comparison (2026)
Convert US Dollar (USD) to Japanese Yen (JPY). The live interbank midpoint rate is 1 USD = 152.4000 JPY. Compare hidden currency conversion spreads across major international wire systems.
USD to JPY Real-Time Calculator
USD to JPY Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on $1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 USD = 152.4000 JPY | ¥152,400.00 | Current Live Rate |
| 30 Days Ago | 1 USD = 151.7904 JPY | ¥151,790.40 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 USD = 154.2288 JPY | ¥154,228.80 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 USD = 149.1996 JPY | ¥149,199.60 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 USD = 152.4000 JPY | ¥152,400.00 | +0.0% vs Annual Baseline |
USD to JPY Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (Zengin System / SWIFT) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
Cut-off & Holiday Factors
Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.
Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (Zengin System / SWIFT). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.
Required Details to Wire USD to JPY
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
Zengin System / SWIFT
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
USD vs JPY: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
US Dollar (USD)
Federal Reserve (Fed)
5.0%
Benchmark rate2.8%
Consumer pricesJapanese Yen (JPY)
Bank of Japan (BoJ)
0.25%
Benchmark rate2.5%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Federal Reserve (Fed), Bank of Japan (BoJ)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: USD to JPY
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
¥152,400.00
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
¥872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
¥887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
¥896.12
Physical cash pickup
USD to JPY Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇺🇸 USD to 🇯🇵 JPY
1 USD = 152.4000 JPY| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| $1 USD | ¥152.40 JPY | ¥0.00 | -¥2,955.34 |
| $5 USD | ¥762.00 JPY | ¥0.00 | -¥2,974.85 |
| $10 USD | ¥1,524.00 JPY | ¥0.00 | -¥2,999.23 |
| $25 USD | ¥3,810.00 JPY | ¥737.62 | -¥3,072.38 |
| $50 USD | ¥7,620.00 JPY | ¥4,425.70 | -¥3,194.30 |
| $100 USD | ¥15,240.00 JPY | ¥11,801.86 | -¥3,438.14 |
| $250 USD | ¥38,100.00 JPY | ¥33,930.34 | -¥4,169.66 |
| $500 USD | ¥76,200.00 JPY | ¥70,811.14 | -¥5,388.86 |
| $1,000 USD | ¥152,400.00 JPY | ¥144,572.74 | -¥7,827.26 |
| $5,000 USD | ¥762,000.00 JPY | ¥734,665.54 | -¥27,334.46 |
| $10,000 USD | ¥1,524,000.00 JPY | ¥1,472,281.54 | -¥51,718.46 |
🇯🇵 JPY to 🇺🇸 USD (Reverse)
1 JPY = 0.0066 USD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| ¥1 JPY | $0.01 USD | $0.00 | -$0.13 |
| ¥5 JPY | $0.03 USD | $0.00 | -$0.13 |
| ¥10 JPY | $0.07 USD | $0.00 | -$0.13 |
| ¥25 JPY | $0.16 USD | $0.03 | -$0.13 |
| ¥50 JPY | $0.33 USD | $0.19 | -$0.14 |
| ¥100 JPY | $0.66 USD | $0.51 | -$0.15 |
| ¥250 JPY | $1.64 USD | $1.46 | -$0.18 |
| ¥500 JPY | $3.28 USD | $3.05 | -$0.23 |
| ¥1,000 JPY | $6.56 USD | $6.22 | -$0.34 |
| ¥5,000 JPY | $32.81 USD | $31.63 | -$1.18 |
| ¥10,000 JPY | $65.62 USD | $63.39 | -$2.23 |
152.4000
1 USD = ¥152.4000
0.0066
1 JPY = $0.0066
146.3040 - 158.4960
Annual volatility band
Zengin System / SWIFT
Clearing rail for JPY
Frequently Asked Questions (USD to JPY)
Q: What is the current exchange rate for USD to JPY?
As of 2026, the real mid-market interbank rate is 1 USD = 152.4 JPY. This is the true benchmark rate with zero hidden bank markup.
Q: How much does a bank charge to send USD to JPY?
Most traditional high-street banks charge a front-end wire fee of around $25 plus a 2.5% to 4% hidden exchange rate markup. On a $1,000 transfer, you typically lose around ¥7,879.08 compared to specialized neobanks like Wise.
Q: What bank codes are needed to send JPY to Japan?
To receive JPY in Japan, the recipient typically needs to provide their Zengin System / SWIFT.
Q: How fast does an international transfer take between USD and JPY?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.