GoLloyds is a go-between from Japan to your home-country bank account. You transfer money domestically from your Japanese account to GL, who will then send it to your chosen target. Because it's a domestic transfer initially, it shouldn't cost you anything other than the GL surcharge.
- Go to this GoLlyods webpage and download the application form,
- Send GL a printed copy of the form, along with
- a copy of your passport
- AND a copy of one of the following (showing your address). Don't forget to copy both sides.
- your gaijin card
- health insurance card
- driving licence
- inhabitant certificate
- Write Dominic Beverley as your referrer!
Lloyds TSB Bank plc.
ATT, New Tower (5F)
〒１０７-００５２ 東京都港区赤坂２-１１-７ 赤坂ツインタワー新館 ５F
It might be worth checking all this information on their website before applying.
- GL will send you a letter, in English, with the instructions for how to send money,
- Take the letter to your bank (any branch is ok) ATM
- On the ATM, choose the 振込 option (furikomi/bank transfer)
- Follow the letter's instructions for number input etc
- Remember that sending after 3pm will use the next day's exchange rates
- Save your bank details to the ATM when prompted (if you want)
- Wait 24-36 hours and check your foreign bank
As all banks will, GL skims a little off your money through their exchange rate. It's pretty much the same as anywhere else, but if you're sending a vast amount of cash then you might want to shop around to be sure you're getting the best rate.
- Currency website xe.com used to have a good service for this, but it no longer serves Japan.
- CitiBank also offers this service with almost immediate transfer. You don't even need to have an account with them. The charge is 3,500 yen. More info on their site.
- Some people have also reported being able to use a PayPal account linked to two personal bank accounts in different countries; paying into one and withdrawing from another.