The Wise USD to JPY rate is 147.14. This is -0.65% below the mid-rate. Compare Wise currency conversion rates - Reduce FX costs.
The Wise USD to JPY exchange rate is 147.14. This is -0.65% compared to the latest USD-JPY mid-market rate 148.10.
As exchange rates can vary significantly between banks and also between currency exchange providers, it's therefore important to carefully compare US dollar (USD) to Japanese yen (JPY) rates from different sources before making a conversion.
Looking at our comparison table the best USD to JPY exchange rate is 147.36 from OFX, -0.5% from the mid-market rate 148.10. The next best rate is 147.21 from XE, -0.6% from the mid-rate. Then Wise with 147.14 is -0.65% from the mid-rate.
The Western Union rate is 146.62 which is -1% from the mid-rate.
Among the banks, the Chase Bank rate is 136.96 at -7.5%, the Wells Fargo Bank rate is 136.07 at -8.1%, and the Citibank rate is 142.88 at -3.5% compared to the mid-rate 148.10.
It's important to note that exchange rates also fluctuate frequently due to market conditions. Additionally, banks and foreign exchange providers often apply a margin to the exchange rate, resulting in a less favorable rate for customers compared to the mid-market rate. For more competitive rates, you might consider using a specialized currency exchange service like Wise or platforms that offer rates closer to the mid-market rate.
The Wise Dollar to Yen comparison table above makes it easy to compare the Total Fees (both variable and fixed) you are being charged by Wise and other foreign exchange providers against the latest USD-JPY mid-rate (see Market Data below ) and the possible savings of using various providers.
Wise (formerly TransferWise) always aim to convert money at the real mid-market exchange rate. There’s just a small, fair service fee, and it’s all shown up-front, this fee normally works out to be less than 1% of the amount being exchanged.
Exchange guaranteed within 2 business days - Pay via Bank Transfer or VISA/Mastercard debit cards.
Setup Direct Debits to Pay Bills abroad from AUD, CAD, EUR, GBP and USD accounts.
With a Wise Account you receive a unique set of account details with which you can get paid like a local. Together with an account number, you’ll receive a SWIFT, BSB, routing and/or sort code and anything else needed to receive funds in those currencies.
Domestic & International - Share these for someone to pay you in the same currency by local bank transfer.
International Only - Share these for someone to pay you any currency Wise supports by SWIFT transfer.
The Wise debit card are free to set up and use. And there's never any monthly fee and minimum balance to worry about.
You get two free ATM withdrawals worldwide up to a max amount every 30 days, then a charge on additional withdrawals.
Auto-convert any currency - Spend in any currency and the Wise smart tech will auto-convert it with the lowest possible fee.
Unlike practically all other Travel cards you can pay foreign currency into this card via your own personal foreign bank accounts.
Savings on Wise money transfers are substantial relative to banks and traditional money changers, although the amounts saved will of course depend on how much is being transferred.
Wise advertises that its transfers are “up to 8 times cheaper” than those performed by banks, but what does that mean in real currency terms? How many dollars, pounds, francs or pesos are we talking about? Let’s take a look.
When compared with other FX specialists, Wise consistently ranks near the very top for savings on international payments, across a range of currencies and amounts.
Although Wise won’t be the absolute cheapest on every currency route, it will at least show you exactly how much you are being charged in currency terms before you make your decision, which is more than can be said for banks or traditional money changers, who hide all sorts of charges within the exchange rates offered.
The Wise card let's you spend anywhere, with low conversion fees. Buy things online in any currency, or pay for things on holiday. If you don’t have the currency you need in your Wise Account, they’ll auto-convert it with the lowest possible fee.
US dollar (USD) to Japanese yen (JPY) market data - latest interbank exchange rate, trend, chart & historic rates.
| Date | USD/JPY | Change | Period |
|---|---|---|---|
29 Apr 2025 | 142.30 | 3.9% ▲ | 2 Week |
12 Feb 2025 | 154.24 | 4.1% ▼ | 3 Month |
13 May 2024 | 156.23 | 5.3% ▼ | 1 Year |
14 May 2020 | 107.36 | 37.8% ▲ | 5 Year |
16 May 2015 | 119.30 | 24% ▲ | 10 Year |
18 May 2005 | 107.07 | 38.1% ▲ | 20 Year |
Here are some popular conversion amounts for USD to JPY (US dollar to Japanese yen)*.
*Converted at the current USDJPY interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.
The recent forecasts for the USD to JPY exchange rate show significant fluctuations amid evolving geopolitical dynamics and economic policies. The US dollar gained momentum following a 90-day trade truce between the US and China, which sparked optimism among investors about reduced recession risks in the US. Analysts suggest that the bullish sentiment for the dollar may persist as market attention shifts to the upcoming US consumer price index. An acceleration in inflation could further validate the Federal Reserve's hawkish stance, potentially extending the USD's current strength.
Read our full review of recent USD to JPY forecasts.
There are several ways to save on exchange rates when converting US dollar to Japanese yen:
Generally speaking, if you are buying Japanese yen with US dollar, then it's better for the USD/JPY exchange rate to be higher.
However working against you are the fees all foreign exchange providers charge for providing their service. These fees is usually contained within the exchange rate margin (or difference to the mid-rate).
The transaction margin you end up being charged can be considerably reduced by around a few percent (of total amount being exchanged) for travel money and possibly over 5% to 6% when sending money. The exact potential savings depends on the currencies being exchanged and the amount you are transferring and if you are willing to shop around.
Our real-time foreign transfer and travel money/cards comparison calculators make shopping around easy and help you calculate how much you can save.
Read our Currency guide to Japan — a practical currency and money guide to travel in Japan plus living and doing business with the Japanese yen.
It's worth noting that while these tips can help you save on exchange rates, it's important to be aware that no single method is guaranteed to provide the best exchange rate in every situation, and it may require some research and comparison-shopping to find the best option for your specific needs.
It is almost impossible to predict what an exchange rate will do in the future, the best approach is to monitor the currency markets and transact when an exchange rate moves in your favour.
To help with this you can add USD/JPY to your personalised Rate Tracker to track and benefit from currency movements.
Rather than requiring you to set a target rate, our Rate Alerts keep you informed of recent trends and movements of currency pairs.
Add rates to your Rate Tracker and select to receive an daily email (mon-fri) or when a rate is trending
| United States (USD) | Japan (JPY) |
Japan offers a unique blend of tradition, modernity, and economic opportunity, making it an attractive destination for expatriates and business professionals. Here’s a practical guide to help you navigate life and work in Japan.
Japan’s unique cultural and professional landscape offers immense opportunities for expatriates and business professionals. Understanding its traditions and practices will help you integrate and succeed in this dynamic country.
Read more at our Japan (JPY) country guide
Forecasts disclaimer: Please be advised that the forecasts and analysis of market data presented on BestExchangeRates.com are solely a review and compilation of forecasts from various market experts and economists. These forecasts are not meant to reflect the opinions or views of BestExchangeRates.com or its affiliates, nor should they be construed as a recommendation or advice to engage in any financial transactions. Read more
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