You can send money overseas by transferring funds from your Japanese bank account to a Kyodai Remittance bank account, then completing your request in the KyodaiApp. The app walks you through each step, so you can confirm the amount, attach your deposit receipt, and submit your remittance in one place.

Before you start

• Make sure both you and your beneficiary are registered and approved in Kyodai Remittance.
• Make your bank transfer using the same name that is registered with Kyodai Remittance.
• Have your deposit receipt ready if you want to attach it (this helps speed up processing).

Step-by-step guide

1. Open the KyodaiApp on your smartphone.
2. On the home screen, tap Denshin furikomi (Bank transfer). Alternatively, tap + Top up and choose Denshin furikomi (Bank transfer). 
3. Choose the bank you used to make the transfer, such as Japan Post Bank or Mizuho Bank. 
4. Enter the amount you deposited. 
5. If you'd like, upload your deposit receipt under Upload document. You can take a photo or upload one from your gallery. Accepted file formats are PDF, JPEG, HEIC, and PNG. The maximum file size is 5 MB. 
6. Tap Next. 
7. On the Create remittance screen, check the deposit account and recipient details. Tap Change if you need to update either one. 
8. Tap Next. 
9. Enter your 4-digit PIN and tap Confirm. 
10. You'll see a Deposit report confirming that your request was submitted. We'll process your deposit once it's been confirmed.

Important notes

• Your bank may charge a transfer fee. Check with your bank before you send.
• Attaching your deposit receipt is optional, but it helps Kyodai confirm your payment more quickly.
• Always transfer using your registered name so your deposit can be matched to your account.

Processing times

Bank transfer remittances are processed during Japanese bank business hours:

• Japan Post Bank – 10:00 to 18:45 (except Japanese holidays)
• Other banks – 10:00 to 18:45 (except weekends and Japanese holidays)