Sending money home to Nepal shouldn't be stressful, slow, or eaten up by hidden exchange rate fees. Wise (formerly TransferWise) is one of the most transparent, cheapest, and fastest ways to send your hard-earned yen from Japan to Nepal. In this guide, we will walk you through exactly how to set up your account, verify your identity, and safely make your first bank transfer.
Why Choose Wise in Japan?
Wise is incredibly popular among expats in Japan for a few key reasons:

• Live Exchange Rates: You get the real mid-market exchange rate (the one you see on Google), plus a transparent, upfront fee.

• Apple Pay Integration: You can link the Wise debit card to your Apple Wallet for seamless payments within Japan.

• Speed: Once your account is fully verified, transfers to Nepal can often be completed in minutes.

Step 1: Create and Verify Your Wise Account
Before you can send money, you must legally verify your identity to comply with Japanese financial regulations.
Claim Your Free Transfer

• Use a Referral Link: If you sign up using a referral link

• Initial Setup: Enter your email address and verify your Japanese phone number via SMS.

Enter Your Personal Details

• Address: Input your Japanese home address exactly as it appears on your official documents.

• Name in Katakana: This is crucial. You must enter your name in Katakana exactly as it is registered with your Japanese bank. If there is a mismatch, your deposits will be rejected.

Verify Your Identity (KYC)

• My Number Card: By Japanese law, anyone making international remittances from Japan must submit their My Number Card.

• Selfie Verification: You will need to take a photo of your My Number Card and a live selfie to prove your identity.

• Approval: Wait for Wise to review and approve your documents before making a transfer.

Step 2: Set Up Your Transfer to Nepal
Once verified, setting up the actual transfer is simple and transparent.
Enter the Amount and Recipient

• Choose the Amount: Input how much JPY you want to send, or how much NPR you want the recipient to get. The app will show you exactly how much it costs in fees.

• Add Recipient Details: Enter your family member or friend's exact bank details in Nepal.

• Select Payment Method: Choose "Bank Transfer" (Furikomi) as your payment method to fund the transfer.

Step 3: Deposit Funds via Japanese Bank Transfer (Furikomi)
To finalize the process, you need to send yen from your Japanese bank account to Wise's Japanese bank account.
Make the Exact Deposit

• Get Wise's Details: Wise will provide you with their local Japanese bank details (Bank Name, Branch Name, Account Type, Account Number).

• Transfer the Exact Yen: If Wise tells you to deposit ¥5,115, do not round up or down. Transfer exactly ¥5,115 so their automated system instantly recognizes your payment.

• Sender Name: When making the ATM or online bank transfer, ensure your sender name (Iraijinmei) matches the Katakana name on your Wise account perfectly.

Track Your Money

• Once you hit send at the ATM or on your banking app, open the Wise app and tap "I have transferred the money."

• You will receive real-time notifications tracking your yen as it converts and lands safely in the Nepalese bank account.

Key Japanese Vocabulary for Bank Transfers
When navigating a Japanese ATM or online banking portal to send money to Wise, use this quick cheat sheet:

• Bank Transfer: 振込 (ふりこみ - Furikomi)

• Savings Account: 普通預金 (ふつうよきん - Futsu Yokin)

• Branch Name: 支店名 (してんめい - Shitenmei)

• Account Number: 口座番号 (こうざばんごう - Kouza Bangou)

• Sender Name: 依頼人名 (いらいじんめい - Iraijinmei)

• Identity Verification: 本人確認 (ほんにんかくにん - Honnin Kakunin)

• My Number Card: マイナンバーカード (Mai Nambaa Kaado)

• Cash Card / ATM Card: キャッシュカード (Kyasshu Kaado)