Splitting dining bills or transferring pocket money to family is annoying in cash. With Peer-to-Peer (P2P) money transfer apps, you can send funds instantly from your smartphone for free. We compare the leading money transfer options.

Top Remittance Apps in Japan

1. PayPay

The market leader. Since most people already have the app installed, it is the most reliable option for daily social uses.

• Transfer Fee: Free
• Withdrawal to Bank Fee: Free to PayPay Bank, 100 JPY to other banks.

2. Rakuten Pay

Allows you to transfer Rakuten Points or cash balances through links or contacts.

• Transfer Fee: Free
• Withdrawal Fee: Free to Rakuten Bank, fees apply to others.

3. Kyash

A prepaid Visa card app that excels at instant P2P transfers of credit-card topped up balances.

• Transfer Fee: Free

Security & Usage Precautions

• Complete identity verification (KYC): Unverified accounts face transfer limits.
• Double-check recipient IDs: Confirm the display name of the recipient before hitting send.