Domestic Money Transfer
Domestic transfer lets you send money directly from your City Wallet balance to someone else within Japan — no cash to carry and no need to visit an ATM or bank counter.
You can send money to either a Japanese bank account or another City Wallet. The option you choose determines how quickly the money arrives and what recipient information you’ll need.
Bank Transfer vs Wallet Transfer
Both are funded from the same City Wallet balance. The difference is whether the money arrives in a bank account or in a City Express wallet.
Bank Transfer
Money goes straight into a Japanese bank account. The receiver does not need to be a City Express customer, which makes it right for rent, bills and anyone who wants the money in their own bank.
- Money arrives in
- A Japanese bank account
- You need
- Bank, branch, account number and account name
- Speed
- Same day inside banking hours; next business day outside them
- Receiver
- No City Express account required
Best for: Rent, bills, paying a company, or anyone who wants the money in their bank.
Learn how to sendWallet Transfer
Money moves instantly into another City Express customer’s wallet. No account number is involved, and it works around the clock — including weekends and public holidays.
- Money arrives in
- A City Express wallet
- You need
- A QR code, Customer ID or mobile number
- Speed
- Instant, 24/7
- Receiver
- Must be a City Express customer
Best for: Family and friends, splitting costs, or anything that needs to arrive right now.
Learn how to sendWhat you get
- Send anywhere in Japan from one app
- Pay straight into a Japanese bank account
- Wallet-to-wallet arrives instantly
- Reach a wallet by QR, Customer ID or mobile number
- No cash to carry and no ATM queue
- Available 24/7 through the app
- Track every transfer in the app
Bank transfer processing times may vary depending on the receiving bank, banking hours, weekends, public holidays, and system maintenance.