Payment rail · Japan
Payment rail · JapanWhat is Zengin?
Zengin is Japan’s domestic interbank clearing system for yen transfers, operated by Zengin-Net, with final settlement at the Bank of Japan. Poplin pays out to Japan over Zengin, settling the same business day at the latest.
Source: Zengin-Net (opens in a new tab)
Updated · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer
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A payout to Japan clears fastest over
Zengin
settles the same business day · 1% + $1.00 on a business account
Also reaches USD accounts over
Set from your location — change it above.The recipient’s account details decide the rail — the fee is always shown before you send.
// at a glance
What the rail sets for a payout over Zengin — and what Poplin charges to send.
Settlement
Same day
a ceiling, not the typical time
Reaches
1
country — Japan
Paid out in
JPY
Japanese yen
Business fee
1%
plus a $1.00 fixed fee
Clearing
Local
domestic clearing
Days are business days — a Saturday delays a same-day or next-day payout. These are ceilings, not typical times: within the window, how fast the money lands depends on the receiving bank.
// how it moves
How Zengin payouts move.
From your US-dollar balance to an account in Japan — four steps.
You send from USD
Enter an amount in your Poplin US-dollar account and confirm the payout — the full fee shows before you send.
Converted at mid-market
Dollars become Japanese yen at the mid-market rate — no markup added.
Cleared over Zengin
Poplin clears the payout over Zengin, Japan’s interbank payment system.
Arrives inside the window
Zengin settles the same business day — a ceiling, not the typical time; how fast it lands depends on the receiving bank.
// coverage
Where Zengin reaches.
Sending somewhere else?
Each destination clears over its own set of rails. See the rail, speed, and fee for any destination — or the fee for every rail on one page.
Zengin — FAQ
Basics
What is Zengin?
Zengin is Japan’s domestic interbank clearing system for yen transfers, operated by Zengin-Net, with final settlement at the Bank of Japan. Poplin pays out to Japan over Zengin, settling the same business day at the latest.
Speed
How long do Zengin payouts take?
Over Zengin, Poplin payouts settle the same business day. Payments leave your account in seconds; Zengin then clears the payout to the recipient’s bank.
Cost
How much does it cost to send money over Zengin with Poplin?
A percentage of the amount plus a $1.00 fixed fee — 1% on a business account and 1% on a personal account, shown in full before you send. Conversion, where the payout currency isn’t US dollars, is at the mid-market rate with no markup.
Coverage
Which countries does Poplin reach over Zengin?
Zengin is how Poplin pays out to Japan, in JPY. Poplin also reaches Japan over SWIFT (USD) — which one a payout uses depends on the bank details your recipient has.
Send US dollars to Japan over Zengin.
Open a US-dollar account in minutes. No monthly fees.