Convert JPY to euros, including the provider margin and any fixed fee, to see what actually arrives.
Providers rarely charge an explicit commission; they widen the spread instead. Applying the margin to the mid-market rate and subtracting any fixed fee gives the amount that actually lands, and dividing that back by the amount sent gives the effective rate. Sending money from or to Japan. Comparing providers on the advertised rate is misleading — the effective rate after spread and fees is the only figure that determines what the recipient gets.
Japan to EUR
Received = amount × rate × (1 − margin) − fixed fee
Received = amount × rate × (1 − margin) − fixed fee Providers rarely charge an explicit commission; they widen the spread instead. Applying the margin to the mid-market rate and subtracting any fixed fee gives the amount that actually lands, and dividing that back by the amount sent gives the effective rate.
Sending money from or to Japan. Comparing providers on the advertised rate is misleading — the effective rate after spread and fees is the only figure that determines what the recipient gets.
This calculator takes 4 inputs: Amount in JPY, Exchange rate (1 JPY to EUR), Provider margin over mid-market rate, Fixed transfer fee. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.
In Japan, JPY has no minor unit, so amounts are whole numbers.
Results on this page are expressed in JPY (Japanese Yen). Figures are estimates for general planning — confirm current rates and thresholds with the relevant Japan authority before relying on them.