Buy bitcoin with Furikomi bank transfer in Japan
- Status
- Legal
- Currency
- Japanese yen (JPY)
- Takes Furikomi bank transfer
- 5 exchanges
- Last reviewed
- 2026-08-23
5 of the exchanges we recommend in Japan take Furikomi bank transfer for funding bitcoin purchases. It is the rail local buyers lead with, so it is usually the cheapest and fastest way in.
What is Furikomi bank transfer?
Furikomi is the ordinary Japanese domestic bank transfer, made from your bank's app, its website, an ATM or a branch counter. Transfers between different banks are cleared over the Zengin System, the nationwide interbank network operated by the Japanese Banks' Payment Clearing Network (Zengin-Net), which almost every bank in Japan belongs to. It is not a brand you sign up for: you enter the recipient's bank, branch, account number and account name, which is how Japanese exchanges take yen deposits.
- Speed
- Since October 2018 the Zengin More Time System has cleared transfers 24 hours a day and 365 days a year, so a furikomi between participating banks normally lands within minutes.
- Cost
- The sending bank sets a flat furikomi fee per transfer, lower for an account at the same bank and higher for one at a different bank.
- Limits
- Each bank sets its own per transfer and daily ceilings, so check the limit on your online banking profile before a large deposit.
Exchanges that take Furikomi bank transfer in Japan
Ranked as in our Japan guide. Every payment method shown is verified for this exact exchange and country pairing.
- 1bitbank4.4
FSA-registered Japanese order book that pays makers a rebate rather than charging them, with full yen deposits and withdrawals.
- Fees
- Makers receive a 0.02 percent rebate rather than paying a fee; takers pay a published rate. Full yen deposits and withdrawals over Furikomi bank transfer.
- KYC
- Required
- Pay with
- Furikomi bank transfer
On this pairing: full yen deposits and withdrawals
- 2GMO Coin4.3
FSA-registered exchange backed by a listed Japanese internet group, with a 0.05 percent taker fee and free crypto withdrawals up to a monthly threshold.
- Fees
- Taker orders cost 0.05 percent, the lowest of the major Japanese platforms, and crypto withdrawals are free up to a monthly threshold.
- KYC
- Required
- Pay with
- Furikomi bank transfer
- 3bitFlyer4.2
Japan's most established exchange, deeply wired into the domestic banking system, with a beginner screen whose spread costs far more than its order book.
- Fees
- Lightning, the order book, charges a tiered 0.01 to 0.15 percent. The Sales Office beginner screen shows no fee but carries a wide spread instead.
- KYC
- Required
- Pay with
- Furikomi bank transfer
On this pairing: plus Pay-easy and convenience store deposits
- 4Coincheck4.0
Nasdaq-listed Japanese exchange with free yen transfers and the country's most-downloaded app, rebuilt after the largest crypto theft of its era.
- Fees
- Yen bank transfers are free. The simple buy screen and the exchange order book are priced differently, so confirm which product you are using.
- KYC
- Required
- Pay with
- Furikomi bank transfer
On this pairing: free yen bank transfers
- 5Binance4.2
The largest crypto exchange by volume: the deepest bitcoin liquidity anywhere, the lowest headline spot fee of any major platform, and quarterly proof of reserves, under a settled US case and an independent monitor.
- Fees
- Spot trading starts at 0.1% maker and taker, with a 25% discount for paying fees in BNB. Card purchases and instant buys cost more because a spread and processing fee are added.
- KYC
- Required
- Pay with
- Furikomi bank transfer, Credit or debit card, Apple Pay, Google Pay
Buy on BinanceRead the Binance reviewReferral link: signing up is credited to us and may earn a commission, at no extra cost to you.
See the full how-to-buy guide for JapanEverything about buying bitcoin with Furikomi bank transfer
Watch: how to choose an exchange
We have not filmed a walkthrough for Japan yet, so this is our general one, from our YouTube channel @dontgetrekt. It also sits on the home page, next to the country search it starts from.
Do you need a VPN?
A VPN hides which sites you visit from the network you are on and from your internet provider, which is worth having when you move money over a connection you do not control. It does not get you past an exchange's identity checks: every platform we list verifies who you are no matter where you connect from.
If you want one, the strongest records on our list belong to NordVPN (6 independent no-logs audits, the most of any service we review), Windscribe (its no-logs claim tested in the real world 3 times) and Proton VPN (the most audited service with a free tier).
Other ways to pay in Japan
Frequently asked questions
Which exchanges accept Furikomi bank transfer in Japan?
Of the 5 exchanges we recommend in Japan, bitbank, GMO Coin, bitFlyer, Coincheck, Binance accept Furikomi bank transfer for funding purchases. Worth knowing before you fund: bitbank, full yen deposits and withdrawals; bitFlyer, plus Pay-easy and convenience store deposits; Coincheck, free yen bank transfers.
Is buying bitcoin with Furikomi bank transfer legal in Japan?
Bitcoin is fully legal in Japan and the market is among the world's most strictly supervised. Crypto exchanges must register with the Financial Services Agency (JFSA), which has overseen the sector under the Payment Services Act since 2017, and legislation passed in 2026 reclassifies crypto assets as financial products under the Financial Instruments and Exchange Act, adding insider trading rules and heavier penalties for unregistered operators. Foreign platforms without Japanese registration cannot legally solicit Japanese residents.
How long does a Furikomi bank transfer deposit take?
Since October 2018 the Zengin More Time System has cleared transfers 24 hours a day and 365 days a year, so a furikomi between participating banks normally lands within minutes. That is the rail itself; an exchange may hold a first deposit for longer while it verifies your account.
What does it cost to buy bitcoin with Furikomi bank transfer?
The sending bank sets a flat furikomi fee per transfer, lower for an account at the same bank and higher for one at a different bank. Any fee the exchange adds on top is separate, and is shown per exchange above.