Last update: 12 Feb 2026
Contents
Why we recommend using Wise
We strongly recommend using Wise for international payments instead of a traditional bank-to-bank transfer.
Wise is faster, offers better exchange rates, and has significantly lower fees compared to international wire transfers.
Benefits of using Wise
• Better exchange rates
Wise usually offers a much better currency rate than banks. For large payments, this can save hundreds of dollars.
• Lower transfer fees
You can avoid typical international wire fees of $20–$30 (or more) charged by banks.
• Full transaction visibility
You can track your transfer status at any time.
• Fast processing time
Transfers usually complete within 1–2 business days once your account is verified.
How to create a Wise account
Please register your account at:
https://wise.com
This guide mainly uses the Wise smartphone app, but the same steps can be completed on the Wise website.
Basic account setup
-
Create your Wise account.
-
Verify your identity (required for international transfers).
After your account is ready, proceed to the next section to add our bank details for your first transfer.
First-time Wise users: Add our bank details
Most customers use Wise for the first time when paying us.
Therefore, the first step is to add our recipient details.
These steps use the Wise smartphone app, but they are almost identical on the Wise website.
Step 1 — Open Recipients and add a new recipient
Tap Recipients → Tap Add
Step 2 — Choose recipient type
Select either:
• Someone else
• Business / Charity
Both options are acceptable.
Step 3 — Add recipient using Wise email (IMPORTANT)
Enter our Wise email address:
Select currency:
JPY (Japanese Yen)
⚠️ Important
Our bank details will NOT appear automatically for first-time senders when adding us using our email address.
If this is your first transfer to us, Wise will ask you to enter our bank details manually.
The automatic recipient suggestion from email only appears from your second transfer onward.
Please continue to the next section to manually enter our bank details.
Enter the following information exactly as shown.
Recipient name
[Copy] → タローズ トレード ジヤパン オガタ タロウ
Bank name
Rakuten Bank (0036)
Branch
222 – Harp
Account type
Futsuu
Account number
5002382
Recipient's address
Country
Japan
City
Kitakyushu
Address
3-25-40 Honjyo Yahatanishiku
Postal code
807-0801
Prefecture
Fukuoka
Complete the transfer
Please Add the amount in the Japanese yen section first and click continue.
Follow the payment instructions shown in Wise.
After the payment is completed:
• Wise will send confirmation emails to both sender and recipient.
• We will start processing your order once the payment arrives
Transfer processing time
Most Wise transfers arrive within 1–2 business days.
5. How to create a SWIFT transfer using Wise (Please avoid this payment method since the sender and receiver need to pay a handling fee)
If you create an international transfer with SWIFT, you need to add an intermediary bank's SWIFT code.
- Intermediary's SWIFT Code: SMBCJPJT
- Beneficiary Account Number: 222-5002382
- Beneficiary Name: TARO’S TRADE JAPAN TARO OGATA
- Beneficiary Address (Our office address) : 3-25-40 Yahatanishi-ku Kitakyushu Fukuoka Prefecture 807-0801 JAPAN
Our Bank Account
- SWIFT Code/BIC: RAKTJPJT
- Beneficiary Bank Name, Branch Name: RAKUTEN BANK, LTD. HEAD OFFICE
- Beneficiary Banl Address: 1-14-1 TAMAGAWA, SETAGAYA-KU, TOKYO, JAPAN
- Intermediary Bank: SUMITOMO MITSUI BANKING CORPORATION, TOKYO, JAPAN
Source
Wise: https://wise.com/jp/blog/overseas-remittance-incoming-rakuten-bank
Rakuten Bank: https://www.rakuten-bank.co.jp/geo/incoming/flow-02.html