Convert USD to JPY
Convert US Dollars to Japanese Yen at the mid-market rate. Zero spread, full Wise + MoneyGram comparison.
USD → JPY
How USD → JPY pricing works
The mid-market rate is the midpoint between what buyers and sellers are currently paying for USD against JPY. It is the rate you see on Google or Reuters, and it is the only rate with no one's margin inside it.
When you spend or withdraw Japanese Yen on a card issued in USD, the rate applied is rarely the mid-market one. Card networks add a conversion margin, issuers often add a foreign transaction fee on top, and accepting a merchant's offer to bill you in USD — dynamic currency conversion — is almost always the most expensive option available.
The comparison above prices a USD to JPY conversion against the mid-market rate so you can see the margin rather than infer it.
Before you convert USD to JPY
Check the rate you are being offered against the mid-market rate for USD/JPY. The gap between the two is the margin, and it is charged whether or not a separate fee appears.
Then check the total: the Japanese Yen figure at the end, after every fee and the rate margin. Providers present costs differently, and the received amount is the only comparison that survives that.
Finally check how it arrives and when — the payout rail and the settlement time — because the cheapest quote is not always the one that lands in time.
Common questions
- What is the real USD to JPY exchange rate?
- The real rate is the mid-market rate — the midpoint of current buy and sell prices for USD against JPY, with no margin added. The calculator on this page quotes against that rate, so any difference you see between providers is margin.
- Why is my bank's USD to JPY rate worse?
- Banks typically apply a margin to the exchange rate rather than charging a visible conversion fee. You are paying for the conversion either way; on a bank transfer the cost is inside the rate, which makes it harder to compare against a provider that quotes the mid-market rate and a separate fee.
- How much Japanese Yen will I get for 1,000 USD?
- It depends on the live rate and on what each provider adds to it. Enter the amount in the calculator above to see the current mid-market conversion from US Dollars to Japanese Yen alongside what the major providers would deliver on the same amount.