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How to Fill Out a Remittance Form Online in Japan: Step-by-Step Visual Guide

ByRatesRemit Team

Living in Japan and sending money to family in Kathmandu, Kochi, Colombo, Dhaka or Davao should be as easy as ordering a bento. Yet every provider’s online form looks different, labels fields in katakana, and buries fees three clicks deep.
This visual walk-through shows you—screen by screen—how to complete the online remittance form for every major Japan-based service we track: Wise, SmileRemit, JpRemit, BrastelRemit, CityRemit, JapanRemit and KyodaiRemit.
Grab your My-Number card, a photo of your residence card, and let’s kill the guesswork.

Never over-pay again: compare live JPY→NPR/INR/LKR/BDT/PHP rates and fees in one click with RatesRemit's Comparison Tool.

1. Before You Touch the Form: 30-Second Checklist

  1. Recipient bank details (photograph or screenshot these):

    • Nepal: 8–12-digit bank account number + NRB bank code
    • India: 11-character IFSC + 10–18-digit account number
    • Sri Lanka: 6-digit bank code + 12-digit account number
    • Bangladesh: 9-digit routing number + account number
    • Philippines: 8–12-digit account number + SWIFT or 9-digit routing code

  2. Your IDs ready:

    • Residence card (both sides)
    • My-Number card or notification card
    • Smartphone with camera for liveness check

  3. Funding source:

    • Japan-issued debit card (Visa/Master) OR
    • Pre-registered Japan bank account (Wise only) OR
    • Convenience-store cash payment (SmileRemit, BrastelRemit, KyodaiRemit)

2. Universal 5-Step Flow (All Providers)

Every Japanese remittance site follows the same hidden skeleton. Once you memorise the pattern, the colours and logos stop mattering.

Step Screen Purpose Typical Field Labels
1 Amount & rate “送金額”, “受取額”, “Purpose”
2 Recipient “お名前（アルファベット）”, “銀行名”, “支店名”
3 Sender verification “在留カード”, “マイナンバー”, “自撮り”
4 Review & confirm “手数料”, “為替レート”, “到着予定日”
5 Pay & receipt “支払方法”, “振込用紙”, “受付番号”

Below we open the hood on each provider and show you exactly where to click.

3. Provider-Specific Visual Walk-Throughs

3.1 Wise (ワイズ): Cheapest for JPY→INR & JPY→PHP

  1. Homepage: Choose “Send money” → Japan → India (or Philippines).
    Screenshot tip: the purple calculator auto-updates; enter JPY 50,000 and you’ll see INR 29,743 locked for 48 h.

  2. “Who are you sending to?”

    • Select “Business or charity” only if sending to a school or temple account; 99 % choose “Personal”.
    • Enter IFSC first; Wise auto-fills bank name & branch.

  3. “About you”

    • Upload residence card: snap in-app, ensure the 在留期間 expiration date is readable.
    • My-Number: type the 12 digits; no upload needed.

  4. Funding

    • Easiest: “Bank transfer” → Wise gives a virtual Mitsubishi UFJ account number. Open your bank app, copy-paste the 7-digit code in the “仮想口座” field. Money arrives in 20 min.

  5. Confirmation

    • Green tick = funds converted. INR arrives in ICICI or HDFC within 3 h on business days.

Pro tip: Wise is the only provider that lets you lock the rate over the weekend—great when rupee is volatile.

3.2 SmileRemit (スマイルリミット): Best for Nepal & Bangladesh Cash Pickup

  1. Login with email → Dashboard click “新規送金”.
    Screenshot: orange “今すぐ送金” button top-right.

  2. Amount screen

    • Slide the calculator to JPY 30,000 → shows NPR 26,850 cash-pickup or bank credit.
    • Tick “受取方法”: choose “銀行口座” (bank) or “現地受取” (cash). Cash pickup needs recipient’s Nepal mobile number.

  3. Recipient form

    • Nepal: Bank = Nabil, Account type = Saving, Account number = 12 digits.
    • Bangladesh: Routing number = 9 digits, no spaces.

  4. ID upload

    • Residence card front/back on one JPEG < 2 MB.
    • SmileRemit asks for a handwritten signature on white paper—sign in black ballpen, take photo.

  5. Pay at 7-Eleven

    • System prints a barcode. Show it at the register; pay cash + ¥220 fee. Funds released to Nepal in 10 min after store scan.

3.3 JpRemit (ジェーピーリミット): Flat ¥490 Fee to Sri Lanka

  1. Top banner → “新規お申込み”.
    Screenshot: yellow “Start” button.

  2. Rate page

    • Enter JPY → LKR. Flat fee ¥490 regardless of amount.
    • Promo code field: type “RATES2026” for zero fee on first transfer (hidden at bottom).

  3. Recipient

    • Bank code = 6 digits (eg Bank of Ceylon = 7010).
    • Branch code = 3 digits.
    • Account number = 12 digits, no dash.

  4. Document upload

    • PDF of juminhyo (住民票) accepted if you’re privacy-shy about residence card. Upload takes 30 min manual review.

  5. Funding

    • Only Japan Post Bank or Rakuten Bank transfer accepted. Use template in your net-bank; paste the unique 8-digit customer number in the “注文番号” field.

3.4 BrastelRemit (ブラステルリミット): Instant PHP to GCash & PayMaya

  1. Homepage → “Send to Philippines”.
    Screenshot: purple “Start” button.

  2. Payout network

    • Select “Bank”, “Cash pickup”, or “Mobile wallet”. GCash arrives in 30 seconds; choose “Wallet” → enter 11-digit mobile number.

  3. Amount

    • JPY 20,000 → PHP 8,100 (fee ¥390 shown underneath).

  4. Recipient

    • For GCash: First name, last name must match the GCash account exactly; middle name optional. One typo = delay.

  5. Pay with credit card

    • Visa debit issued in Japan is OK. 3-D Secure popup appears in Japanese; enter SMS code.

3.5 CityRemit (シティリミット): High-Value INR with Rate Alerts

  1. Dashboard → “Create Transfer”.
    Screenshot: blue button top-left.

  2. Rate alert

    • Toggle “Notify me when 1 JPY ≥ 0.62 INR”. You get email when threshold hits—great for tuition payments.

  3. KYC

    • For transfers > JPY 1 million, CityRemit asks for a selfie holding residence card next to your face. Use daylight; blurry pics are rejected in 5 min.

  4. Transfer limit

    • Daily limit JPY 3 million. Upload source-of-funds letter (salary slip) if sending > JPY 1 million in a week.

3.6 JapanRemit (ジャパンリミット): Nepal & India Door-Delivery

  1. Homepage map → select Nepal.
    Screenshot: map icon turns red.

  2. Delivery method

    • “Bank” or “Home delivery” (Kathmandu valley only). Choose delivery → enter full address in English.

  3. Form

    • Nepal mobile mandatory for SMS tracking.
    • Purpose dropdown: choose “Family maintenance” (家族扶養) to avoid extra compliance questions.

  4. Fee

    • Flat ¥750 up to JPY 100,000; 0.75 % above. Displayed before you reach the password screen.

3.7 KyodaiRemit (キョウダイリミット): Bangladesh bKash & Nagad

  1. Login → “Send Money”.
    Screenshot: green “Start” button.

  2. Mobile wallet

    • Select “bKash” → 11-digit account starts with 01.
    • Nagad → 10-digit.

  3. Amount

    • JPY 10,000 → BDT 7,400 (real-time). Fee ¥390.

  4. Upload

    • Residence card + utility bill < 3 months (PDF OK). Approval in 15 min on weekdays 9-18:00.

4. Common Error Messages & Quick Fixes

Japanese Alert Meaning Fix
口座番号の桁数が違います Digit count wrong Re-count; Nepal 12, India up to 18, Sri Lanka 12
支店名が見つかりません Branch not found Type 3-digit branch code instead of name
本人確認書類の有効期限が切れています ID expired Renew residence card first
受取人の名前に特殊文字が含まれています Special characters Replace ñ with n, ü with u, dash with space

5. Funding Methods Compared (Cost & Speed)

Method Typical Fee Arrival Providers
Japan bank transfer (virtual account) ¥0 20 min–3 h Wise
Convenience-store cash ¥220–¥550 10 min–2 h SmileRemit, BrastelRemit, KyodaiRemit
Japan-issued debit card 0–1.5 % 30 min BrastelRemit, CityRemit
Credit card 1.5–3 % 30 min BrastelRemit (PHP wallets)

6. How to Track Your Transfer Like a Pro

Every provider issues a “受付番号” or “Order ID”.