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Kapag nakatira at nagtatrabaho ka sa Japan, madalas mong maririnig ang salitang :

振込（ふりこみ / Furikomi）

Ang furikomi ay bank transfer—pagpapadala ng pera mula sa isang bank account papunta sa ibang bank account.

Ginagamit ito para sa :

• Pagbabayad ng rent

• Pagpapadala ng pera sa kaibigan o kapamilya

• Pagbabayad sa online shops

• Pagbabayad ng school fees

• Pagdeposito sa remittance account

• Pagbabayad sa companies at service providers

Madali itong gawin, pero mahalagang tama ang account details dahil maaaring mahirap bawiin ang perang naipadala sa maling account.

1. What Is Furikomi?

Ang furikomi ay electronic transfer mula sa iyong bank account papunta sa account ng ibang tao o company.

Maaari itong gawin gamit ang :

• Banking app

• Internet banking

• ATM

• Bank counter

• Bank transfer form

Hindi ito pareho ng cash deposit. Sa furikomi, ipinapadala ang pera gamit ang banking network mula sa sender papunta sa recipient.

2. What Information Do You Need?

Bago gumawa ng transfer, ihanda ang following details :

Bank name

銀行名（Ginkō-mei）

Halimbawa :

• Mizuho Bank

• MUFG Bank

• Sumitomo Mitsui Banking Corporation

• Japan Post Bank

Branch name

支店名（Shiten-mei）

Ang bank branch ay maaaring nakasulat sa Japanese characters o katakana.

Branch number

支店番号（Shiten bangō）

or

店番号（Ten bangō）

• Karaniwang three-digit number ito.

Account type

口座種別（Kōza shubetsu）

Common account types :

• 普通（Futsū） – Ordinary savings account

• 当座（Tōza） – Current account

• 貯蓄（Chochiku） – Savings account

Account number

口座番号（Kōza bangō）

Account holder’s name

口座名義（Kōza meigi）

Karaniwang kailangang ilagay sa katakana ang pangalan ng recipient.

3. How to Make a Furikomi Through a Banking App

Ang exact buttons ay nag-iiba depende sa bank, pero karaniwang ganito ang process :

1. Open your banking app.

2. Log in securely.

3. Select 振込（Furikomi）.

4. Choose the recipient’s bank.

5. Select the branch.

6. Choose the account type.

7. Enter the account number.

8. Confirm the recipient’s name.

9. Enter the transfer amount.

10. Check the transfer fee.

11. Enter your password, PIN, or one-time authentication code.

12. Review all information.

13. Confirm the transfer.

14. Save the transaction receipt or confirmation screen.

Sa ilang banking systems, awtomatikong lumalabas ang recipient’s name kapag nailagay ang tamang bank, branch, account type, at account number. Gayunpaman, maaaring hindi available ang automatic name confirmation sa ilang oras o para sa ilang financial institutions.

4. How to Make a Furikomi at an ATM

Sa ATM, hanapin ang button na :

お振込み（O-furikomi）

or

振込（Furikomi）

Typical steps :

1. Insert your cash card or bankbook.

2. Enter your PIN.

3. Select furikomi.

4. Agree to any fraud warning shown on the screen.

5. Select the recipient’s bank.

6. Select the branch.

7. Choose the account type.

8. Enter the account number.

9. Confirm the recipient’s name.

10. Enter the amount.

11. Check the sender name.

12. Review the fee and details.

13. Confirm the transaction.

14. Keep the receipt.

Some banks may limit ATM transfers depending on :

• Your account settings

• Daily transfer limit

• Identity-verification status

• Amount being transferred

• Time of transaction

For example, Japan Post Bank states that transfers from accounts without completed transaction verification may be restricted when the amount exceeds ¥100,000.

5. Can You Transfer Cash Without a Bank Account?

Some bank ATMs or counters may allow cash-based transfers, but availability depends on the bank, ATM, amount, and time.

However, not all banks allow this.

For example, Japan Post Bank does not accept cash when transferring from a Japan Post Bank account to another financial institution; the transfer must be made from an eligible account.

Always check the bank’s rules before going to the ATM.

6. How Much Is the Furikomi Fee?

The transfer fee is called :

振込手数料（Furikomi tesūryō）

The fee may depend on :

• Same bank or different bank

• Same branch or different branch

• Transfer amount

• Banking app, ATM, or counter

• Personal or business account

• Customer membership status

• Time of transaction

In general :

• Transfers through banking apps are often cheaper.

• ATM transfers may cost more.

• Counter transactions are usually the most expensive.

• Same-bank transfers may be cheaper or free under some plans.

Fees differ by bank and may change, so always check the amount displayed before confirming.

7. Who Pays the Transfer Fee?

Usually, the sender pays the transfer fee.

Example :

Transfer amount: ¥50,000

Transfer fee: ¥220

The total amount deducted from your account may be :

¥50,220

However, some invoices may instruct you to deduct the fee from the amount being paid.

Always check instructions such as :

振込手数料はお客様負担です。

Furikomi tesūryō wa okyakusama futan desu.

The customer is responsible for the transfer fee.

or :

振込手数料は当社が負担します。

Furikomi tesūryō wa tōsha ga futan shimasu.

The company will cover the transfer fee.

8. How Long Does Furikomi Take?

Many domestic transfers may be reflected quickly, including transfers made outside normal branch hours.

However, the actual crediting time can depend on :

• Sender’s bank

• Recipient’s bank

• Recipient account status

• Maintenance periods

• Time and date of transfer

• Transaction review

• Whether the transfer is scheduled

A transfer may be credited :

• Immediately

• Within the same day

• On the next business day

• On the selected scheduled date

Japan Post Bank notes that a transfer may be processed on the following day or later depending on the receiving institution, account status, transaction time, and transaction details.

Do not promise the recipient an exact crediting time unless the bank has confirmed it.

9. What Is a Scheduled Transfer?

A scheduled transfer is called :

振込予約（Furikomi yoyaku）

This allows you to set a future date for the transfer.

Useful for :

• Rent

• Tuition fees

• Regular payments

• Salary-related transfers

• Bills with future due dates

Make sure your account has enough balance before the scheduled date. If the balance is insufficient, the transfer may fail.

10. What Is the Sender Name?

The sender name is called :

振込依頼人名（Furikomi irainin-mei）

Usually, your registered bank-account name appears as the sender.

Some transfers allow you to edit the sender name. A company may ask you to add :

• Customer number

• Reference number

• Full name

• Transaction number

Example :

123456 JUAN DELA CRUZ

This helps the receiving company identify your payment.

Do not change the sender name unless instructed.

11. Why Is the Name Written in Katakana?

Japanese bank systems often display account-holder names in katakana.

Example :

JUAN DELA CRUZ

may appear as :

デラクルス ジュアン

or in half-width katakana :

ﾃﾞﾗｸﾙｽ ｼﾞﾕｱﾝ

Spacing, name order, and spelling may differ depending on how the account was registered.

Always use the exact account name provided by the recipient or displayed by the bank.

12. Be Careful with Small Characters

When entering names, pay attention to :

• Small ャ, ュ, ョ

• Long vowel mark ー

• Dakuten marks ゛

• Spaces

• Company abbreviations

• Name order

Even small differences may cause a mismatch when the bank cannot automatically verify the recipient’s name.

Do not guess the spelling.

13. Japan Post Bank Is Different

Japan Post Bank accounts traditionally use :

• 記号（Kigō） – Symbol

• 番号（Bangō） – Number

However, when transferring from another bank to a Japan Post Bank account, you generally need the account’s transfer-specific :

• Bank name

• Branch name

• Branch code

• Account type

• Account number

The normal Japan Post Bank symbol and number must be converted into the appropriate transfer details.

Ask the recipient to provide the exact 他金融機関からの振込用口座情報, meaning the account information for transfers from other financial institutions.

14. What Happens If You Enter the Wrong Details?

Possible results include :

Incorrect bank or branch

The transfer may not proceed.

Incorrect account number

The system may display another person’s account name—or the transfer may fail.

Incorrect recipient name

The transfer may be rejected or delayed.

Valid account belonging to another person

The money could be credited to the wrong recipient.

Japan Post Bank specifically warns customers to confirm the recipient’s account number and katakana account name because incorrect information could result in money being transferred to another person’s account.

Always review every detail before confirming.

15. Can You Cancel a Furikomi?

Once a transfer has been completed, you usually cannot simply press a cancel button.

You may need to request :

組戻し（Kumimodoshi） – Recall or return of a transfer

The bank may :

• Charge a recall fee

• Contact the receiving bank

• Request the recipient’s consent

• Require you to visit a branch

• Ask for identification and transaction records

A recall is not guaranteed. If the recipient has already withdrawn or used the funds, recovery may become more difficult.

Japan Post Bank states that requests to recall or correct completed transfers are handled at the counter and are subject to separate fees.

Contact your bank immediately if you make a mistake.

16. Save the Transfer Receipt

After transferring, keep the :

• ATM receipt

• Screenshot

• Transaction number

• Transfer date

• Amount

• Recipient details

• Sender name

The receipt may be called :

利用明細票（Riyō meisaihyō） – Transaction statement

or :

振込明細（Furikomi meisai） – Transfer details

This can serve as proof of payment if the recipient says the money has not arrived.

Avoid posting receipts publicly because they may contain private banking information.

17. Furikomi for Rent Payments

Many landlords or management companies require rent payment through bank transfer.

Check the following :

• Exact amount

• Due date

• Recipient account

• Sender-name format

• Whether the fee is your responsibility

• Whether automatic transfer is available

Some companies ask tenants to put the apartment or customer number before their name.

Example :

305 デラクルス ジュアン

Follow the format exactly so the payment can be identified.

18. Furikomi for Remittance Payments

Some remittance services allow customers to deposit the remittance amount into a designated Japanese bank account.

Before transferring, check :

• Correct bank account

• Exact transfer amount

• Registered customer name

• Transaction or reference number

• Payment deadline

• Transfer fee

• Processing schedule

Use only bank details provided through the company’s official app, website, email, or authorized staff.

Do not send money to an account provided by an unknown person through social media.

19. Beware of Furikomi Scams

Bank-transfer fraud is often called :

• 振り込め詐欺（Furikome sagi）

Common scams include :

• Fake family emergencies

• Fake police or government calls

• Investment schemes

• Romance scams

• Fake online sellers

• Job scams

• Requests to transfer a “processing fee”

• Messages claiming you must return an incorrect refund

• Someone guiding you through ATM steps by phone

Be suspicious if someone pressures you to transfer money immediately.

Banks may display fraud warnings or ask questions before processing unusual transfers. Financial institutions also conduct identity and transaction verification as part of efforts to prevent money laundering and fraudulent transfers.

20. Never Share Your Banking Security Information

Never give anyone your :

• ATM PIN

• Online banking password

• One-time password

• Authentication code

• Card security information

• Banking-app login

• Remote access to your phone

Bank staff will not ask you to reveal your full password or PIN.

Do not allow another person to operate your banking app while you are logged in.

Useful Japanese Words

振込（Furikomi） – Bank transfer

振込先（Furikomisaki） – Transfer recipient

銀行名（Ginkō-mei） – Bank name

支店名（Shiten-mei） – Branch name

店番号（Ten bangō） – Branch number

口座番号（Kōza bangō） – Account number

口座名義（Kōza meigi） – Account-holder name

普通預金（Futsū yokin） – Ordinary savings account

振込金額（Furikomi kingaku） – Transfer amount

振込手数料（Furikomi tesūryō） – Transfer fee

振込依頼人名（Furikomi irainin-mei） – Sender name

振込予約（Furikomi yoyaku） – Scheduled transfer

組戻し（Kumimodoshi） – Transfer recall

利用明細票（Riyō meisaihyō） – Transaction receipt

Furikomi Checklist

Before confirming a transfer, check :

✔️ Correct bank name

✔️ Correct branch name and number

✔️ Correct account type

✔️ Correct account number

✔️ Correct recipient name

✔️ Correct transfer amount

✔️ Correct sender name or reference number

✔️ Transfer fee

✔️ Transfer date

✔️ Available account balance

✔️ Daily transfer limit

✔️ Whether the recipient details came from an official source

Furikomi is one of the most common and convenient ways to send money and pay bills in Japan.

The process is simple, but even one incorrect number can cause delays or send the money to the wrong account. Always check the bank name, branch, account number, recipient name, amount, and sender information before confirming.

Save your receipt and contact your bank immediately if you notice a mistake or suspicious transaction.

Sa PhilMoney, nais naming suportahan ang mga Pilipino sa Japan hindi lamang sa mabilis at ligtas na remittance, kundi pati na rin sa pagbibigay ng practical financial guides para mas maging informed, secure, at confident sa kanilang everyday transactions.

Note : This article is intended for general information only. Regulations and procedures in Japan and the Philippines may change. Please verify the latest information with the appropriate government agency or official institution before taking action.