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Zagdim Reader Desk · Japan remittance documents

Remittances and proof of source of funds in JapanDocuments prepared to your bank’s requirements

When you send money to Japan or out of Japan, the bank may ask you to explain the source and purpose of the funds. The Zagdim Reader Desk first establishes where your funds come from, then shortlists suitable Japanese professionals.

Book a free 20-minute callSee what the service covers
An office street in Japan
Who it is forAnyone sending funds to or from Japan
Handled byCertified tax accountants and lawyers in Japan
LanguagesEnglish or Japanese; other languages on request
Reader Desk feeFree of charge

Information checked: 29 October 2026

01 · ABOUT

Where do the funds come from?

Proof of source of funds is usually a set of records that can be checked against one another, not a single document accepted by every bank. Where the funds come from determines what you need to prepare; the remittance itself is still carried out by you and the financial institution.

JapanJapan

  • An unbroken trailLink how the funds were obtained to the account records.
  • Records that agreeAmounts, dates and contracts are checked against one another.
  • Each bank reviews separatelyDifferent banks may ask for different additional documents.

Where do the funds come from?

Closest to your situation:

Personal savings

  • What the bank may ask forThe original source, such as deposit and income records. For the purpose, a contract or payment request according to the actual transaction.
  • What to prepareDeposit records, income documents and the payment contract.

Next steps

  1. Tell the Reader Desk the purpose and amount of the remittance

Funded by a company

  • Name on the transferWhether the remitter is a company or an individual must match the party actually providing the funds.
  • What to prepareCompany resolution, the funding party and records of the funds.

Next steps

  1. Tell the Reader Desk which company is providing the funds and for what purpose

Sale proceeds or a gift

  • Tax is checked separatelySale proceeds and gifts may raise filing questions; a certified tax accountant (税理士, zeirishi) explains the background.
  • What to prepareThe contract, tax payment records and how the money was received; for a gift from family, also proof of the family relationship.

Next steps

  1. Tell the Reader Desk whether the funds come from a sale or a gift

Sent by family or a company

Where the remitter or recipient in name differs from the real party and there is no reasonable explanation, the bank may decline. Explain the reason first, then confirm whether the bank will accept it.

Next steps

  1. Tell the Reader Desk who is actually providing the funds and in whose name the remittance is made

Sources: Financial Services Agency – explanation of anti-money-laundering measures / Sumitomo Mitsui Banking Corporation – guidance on documents for overseas remittances (example). Checked 29 October 2026. The requirements of the bank handling the transfer prevail.

02 · SERVICE

What will the professionals complete?

Who charges what

What the Reader Desk does at no charge

Establishes what you need, sets it out in a written brief and introduces a professional.

Professional fees

Quoted by the professional handling the matter.

How payments flow

Zagdim does not charge readers a matching fee and does not handle payments for professional services. Providers quote case by case, and you contract with and pay the provider directly.

  1. 01Listing what the bank has asked for

    Reads the bank’s notice and sets out the items required.

  2. 02Checking the records of funds

    Organises the genuine account, salary or sale records.

  3. 03Explaining purpose and tax

    A certified tax accountant checks the relevant accounting and tax background.

  4. 04Translation and explanatory documents

    Prepares the agreed translations and explanatory submission, which you deliver to the bank yourself.

03 · CASES

Which practices are not acceptable?

In every caseYou must not split transfers, borrow another person’s name or rewrite the purpose to avoid the bank’s checks. Documents must reflect the real transaction.

04 · SERVICE PROCESS

Who does each step?

Documents are always submitted by you.

English or JapaneseOther languages on request

  1. Set out the purpose and the bank’s requirements

    The professional reads the bank’s notice and lists the items to be supplied.

  2. Check the source of funds and the names

    You provide genuine account, income or transaction records.

  3. Complete translations and explanations

    The professional prepares the translations and the explanation of the tax background as agreed.

  4. Submit and respond to the bank

    You submit the documents. The bank may ask for more, and acceptance is the bank’s decision.

Not included

  • Receiving or paying on your behalf, or carrying out the remittance
  • Online banking passwords and operating your account
  • Tax filings or dispute representation not agreed in advance

What you need to prepare

  • The bank’s request for additional documents
  • Remittance and recipient details
  • Records of how the funds were obtained and account records
  • Contracts showing the purpose, and tax documents

05 · TIME

How long does it take, and who decides?

Preparation time depends on whether your records are complete. The bank notifies you of acceptance and of how processing is progressing.

  1. You prepare

    Account and transaction records

  2. The professional organises

    Translation and tax explanation

  3. Bank review

    Further documents or acceptance

06 · FEES

What costs should you prepare for?

Professional and service fees

  • Remittance and intermediary bank chargesAs quoted by the bank(Depends on the bank, currency and payment method.)
  • Currency conversion costAs quoted at the time of the trade(No fixed exchange rate is offered.)
  • Documents, translation and professional explanationQuoted once your situation is understood(Depends on the volume of material and the background to the transaction.)
  • Zagdim Reader DeskFree of charge(Consultation, clarifying what you need and shortlisting professionals)

A quote for documents and explanations usually covers reading the bank’s notice, setting out the list of materials and translation within the agreed scope. Tax explanations (certified tax accountant) and legal advice on gift agreements or disputes (lawyer) are itemised separately. The professional handling the matter quotes, and you contract and pay directly; remittance and conversion charges are collected by the bank.

07 · EXPERTS & PROFESSIONALS

Which Japanese professionals are involved?

Depending on the case, different Japanese professionals are involved.

Certified tax accountant

税理士 · zeirishi

Explains the tax, accounting and transactional background of the funds.

Lawyer

弁護士 · bengoshi

Gives legal advice where a gift agreement, ownership of rights or a dispute is involved.

MATCHING

How Zagdim shortlists the right professionals

What you need
Zagdim Reader Desk
  • Clarifying the need
  • Matching providers
  • Follow-up at key points
The right professional

Zagdim Reader Desk

Establishes what you need · shortlists and introduces · follows up

No charge to readers

Professionals in Japan

Professional advice and handling

Quote · contract · payment · receipt

Start by telling the Reader Desk the source of the funds

  1. You tell the Reader DeskSource and purpose of the funds
  2. The Reader Desk checksWhether a professional can be arranged
  3. The Reader Desk repliesIf no suitable provider is available, we say so plainly

08 · CONSULTATION

What to have ready before you get in touch

Zagdim Reader DeskFirst understand the situation, then shortlist the right professionals

Have the points below ready, then arrange a time by WhatsApp or email.

  • Where the funds come from
  • Purpose and amount of the remittance
  • Who the remitter and the recipient are
  • Whether you have already received a request from the bank for additional documents
WhatsAppEmail the Reader Desk

The Zagdim Reader Desk handles contact and follow-up.

Send us your details

The more you tell us, the better the Zagdim Reader Desk understands your situation before we speak.

Four steps after you get in touch

  1. Contact the Reader DeskYou explain the source of the funds.
  2. A written briefThe Reader Desk prepares it; you confirm it.
  3. Introduction to a professionalBefore the introduction, the written quote, out-of-pocket costs and extra charges are confirmed.
  4. Quote and engagementYou decide whether to engage, and contract and pay directly.

09 · FAQ

Remittances and proof of source of funds in Japan: common questions

Why does the bank ask about the source of funds?

Financial institutions may ask for information on the purpose of a transaction, assets and income in order to assess money-laundering and related risks.

Is there a single, universal proof of source of funds?

No. You explain the source as the bank requires, using material such as income records, sale contracts and account records.

What documents usually show the purpose?

Examples given by a bank include sale contracts, invoices, tuition fee requests and proof of family relationship, as they apply to the actual transaction.

Can family or a company send the money in their name?

Not necessarily. Where the name differs from the real party, a reasonable explanation must be given first, and you should confirm whether the bank will accept it.

Does supplying the documents mean the transfer will go through?

Not necessarily. After submission the bank still reviews, and may ask for more information or decline.

Can a certified tax accountant decide for the bank that the documents are valid?

No. A certified tax accountant can explain the tax and accounting background, but whether the documents are accepted is still the bank’s decision.

Check the bank’s requirements first, then organise the evidence of funds.

Book a free 20-minute call

Remittance and conversion charges follow each bank’s published terms. Quotes, contracts, payments and receipts for professional services are handled by the professional concerned; whether a transfer is accepted is the bank’s decision. This page is general information and is not legal or tax advice. Information checked to 29 October 2026.

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