Rates applied today
Cost in JPY per unit of foreign currency when paying or converting with SMBC, against the market reference.
| Operation | Currency | 1 × in JPY | vs reference | Status |
|---|---|---|---|---|
| Transfer | USD | 160.6000 | +0.63% | fresh |
| Transfer | EUR | 187.3300 | +0.75% | fresh |
| Transfer | GBP | 220.9000 | +1.84% | fresh |
Published card fee
Japan Post Bank publishes the lowest card fee in Japan today: 4%. See its page →
Where these numbers come from
Card: the ECB reference rate plus the bank's published margin. Transfers: published margin of 0.67%.
Compare SMBC with every bank in the country on the daily Japan table, check what each card charges, or price what your money is worth abroad.
Frequently asked questions
What exchange rate does SMBC use?
SMBC prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.
What does SMBC charge for card payments abroad?
SMBC does not publish a fixed foreign-transaction fee; conversion is priced per transaction.
Is there a cheaper bank than SMBC in Japan?
Yes — as of today, Japan Post Bank publishes the lowest card fee (4%) among banks open to new customers that we track in Japan.
Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.