If you need to transfer money from Japan to your home country Golloyds
https://www.golloyds.com/index/en is a good option. I tried the service myself and give it high marks for my positive experience.
Step 1) I submitted my account application via the web.
Step 2) I I filled out the required documents and mailed it to them. If you are approved for an account they will mail you back with an acknowledgment you are approved and instructions on how to transfer money.
Step 3) From your Japanese bank account you need to transfer or furikomi the money to an intermidiary account they set up for you. Golloyds will then wire the money from the intermediary account to your home country bank account once they receive your furikomi. This system works very well if you have a Shinsei bank account because you get a certain number of free furikomi transfers a month for me it’s 5. Using online banking it is possible to furikomi transfer money from your Shinsei account to the Golloyds account they have set up for you. This lets you skip the need to go to an ATM machine to do the Furkikomi
Cost: Golloyds charges only a flat rate of 2000Yen for this service. Searching around the different options available a common figure you see is 4000Yen per transfer so Golloyds is very competitive price wise. The other cost you will need to deal with is the fee your home bank will charge. For Canadian banks its usually about $15 Canadian. Total cost to you is 2000Yen plus $15. You can see what your home country bank will likely charge on the Golloyds website
Speed: The money successfully showed up in my account the very next day. No delays no screw ups.
Exchange Rates: It is possible to see what exchange rates Golloyds is offering on their website the rates are usually posted at around 10AM Japan time. They also offer a service where they mail each days rates to you by email.
Based on my experience I recommend this money transfer service.
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