What are the remittance limits for money transfer businesses?

Updated: July 2025, 1

Maximum amount for each type

There are a total of three types of funds transfer businesses, from Type 3 Funds Transfer Business to Type XNUMX Funds Transfer Business.
The maximum remittance amount differs for each type.

• Type 1 funds transfer business: None
• Type 100 Fund Transfer Business: Up to XNUMX million yen
• Type 5 Fund Transfer Business: Up to XNUMX yen

Background to the creation of the three business types

The funds transfer business is an industry that was created on April 22, 4, when the "Act on Fund Settlement" was revised.
At the time of its establishment, there were no types of funds transfer businesses, and the upper limit for remittance was 100 million yen (same as the current Type XNUMX).

However, in order to meet the following demands, business types with different upper limits were created.

Type 1 funds transfer business

Demand for remittances with larger remittance amounts than 100 million yen, such as remittances between businesses.
Originally, there was no upper limit for remittances at banks, but as the fees were high and the remittance speed was slower than in the fund transfer industry, there was a demand for funds transfer businesses to send money without a limit.

Type 3 funds transfer business

Demand for remittances with smaller remittance amounts than 100 million yen, such as smartphone payment services.
Even for funds transfer businesses where the upper limit is around 5 yen, the same regulations and procedures were required as for businesses with an upper limit of 100 million yen, so there was a demand for a type with a lower upper limit but simpler application procedures. did.

List of funds transfer agent registration

The list of companies registered as money transfer businesses is published on the Financial Services Agency's website.

⇒https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf

Regulations and applications according to the maximum remittance amount

The regulations become stricter in the order of Type 100 (no upper limit), Type 5 (upper limit XNUMX million yen), and Type XNUMX (upper limit XNUMX yen), and the difficulty of application also increases.
In particular, for Type 1 cards, there are stricter retention regulations, which mean that charging like with "●●Pay" is not possible and funds must be sent immediately.

For consultation regarding funds transfer business registration, please contact Support Administrative Scrivener Corporation

We handle all types of funds transfer business registrations, from Type 1 to Type 3.
Therefore, instead of suddenly registering as Type 1, which is more difficult to apply for, it is possible to register as Type 2, start a funds transfer business, and upgrade to Type 1 later.

This allows for a smoother transfer than making separate requests for Type 2 and Type 1.
In this way, we can respond flexibly to customer needs, so if you would like to register as a funds transfer business, please contact us!