Pay less with Curfex

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Did you know that Banks are on average 8x more expensive than Curfex?

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Did you know that most Banks & Money Transfer Services hide their fees in the exchange rate?


Curfex 参上! (Curfex to the rescue!)

Say NO to high and hidden fees.

1% flat fee

Curfex charges a 1% flat fee on our transfers. All fees are clearly displayed to you for full transparency.

Try out your first transfer for FREE!

Refer friends to Curfex and earn Transfer Credit to use on future transfers.

0% spread (mid-market rate)

Curfex provides you with the mid-market rate. It is the only rate where there’s 0% spread with no hidden fees.

The mid-market rate is the midpoint of the buy and sell exchange rates.

Our rates are pulled from Currency Layer and are updated in real time whilst the trading market is open.

Safe & Secure Transfers with Curfex

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Worried about whether your funds are safe & secure?

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Worried about the handling of your personal information?


Curfex 参上! (Curfex to the rescue!)

Enjoy peace of mind when using Curfex

Serving Customers Since 2015

Our customers trust us with over JPY 6 billion every month and we have a 100% track record.

Our customers can stay confident about their transfers with real-time updates on its status on their account dashboard.

At Curfex, we do our best to keep your personal data safe. Read our Privacy Policy

Licensed & Regulated

We are licensed and regulated by authorities around the world.


Japan - Kanto Financial Agency
Hong Kong - Customs Department
Australia - AUSTRAC

Your Funds Safeguarded

In Japan, Curfex has a security deposit held with the Financial Services Agency to safeguard our customers funds in the event of a default on our end.

We hold your money with established financial institutions, so it is separate from our own accounts.


Fast and Convenient Transfers with Curfex

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Long queues and complicated procedures at the Banks?

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Can’t send money after hours?

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Poor customer support?


Curfex 参上! (Curfex to the rescue!)

Send money anytime anywhere

Account ready within 2 hours of sign-up

Opening an account is FREE.

The process will take around 5 mins and you will need to provide some identification documents to verify your identity.

If the information and documents you provided are in order, your account will be account will be activated in less than 2 hours.
*You will be able to start sending your first transfer for FREE.

Submit a transfer in less than 3 mins

Submit a transfer in 4 simple steps

1) Transfer Details

Input the amount and currency you wish to send

2) Recipient Details

Provide recipient’s name and bank details

3) Review

Review to ensure that details are correct

4) Payment

Pay for the transfer via online banking, ATM deposit or debit card

Read our complete guide on How to submit a transfer > >

Customer support with a personal touch

When you contact us, rest assured that your questions and concerns will be dealt with by our Customer Service Team. There are some things that a robot just can’t do better.

Our Team are fluent in Japanese, English, Mandarin, Cantonese, Vietnamese and Malay.

Click on the icon on the bottom right of the screen to chat to one of our friendly and helpful staff.

Alternatively, you can always email us at


Curfex is a licensed, international online money transfer platform. We pride ourselves in our ability to offer cross-border payments securely for you at the lowest possible cost and quickest possible time.

Curfex sends to the following countries:

  • Australia
  • Austria
  • Belgium
  • Brazil
  • Bulgaria
  • Canada
  • China
  • Croatia
  • Czech Republic
  • Denmark
  • Euro
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hong Kong
  • Hungary
  • Iceland
  • India
  • Indonesia
  • Ireland
  • Italy
  • Japan
  • Latvia
  • Lithuania
  • Luxemburg
  • Malaysia
  • Mexico
  • Nepal
  • Netherlands
  • New Zealand
  • Norway
  • Poland
  • Portugal
  • Romania
  • San Marino
  • Singapore
  • Slovakia
  • Slovenia
  • South Korea
  • Spain
  • -Sweden
  • Switzerland
  • Thailand
  • United Kingdom
  • United States Of America
  • Vietnam

We have customized solutions for other currencies as well. Get in touch with to find out more.

  1. Fair & Best Available Rate
    We eliminate buy/sell spread. We offer real-time interbank rate from reputable data sources.
  2. Transparent
    We charge 1% flat fee for your personal transfer. You know exactly how much you are paying and getting in return.
  3. Convenience
    We bring you every convenience of an online service with a personal touch. You can request, track and manage your transfers anywhere and anytime.
  4. Guaranteed Delivery Time
    All transfers will be completed within 1-2 business days and you will be notified every step of the way.

We did a survey on the cost of transferring to different countries, using the bank and below are the summary of cost and savings. You can save up to 87% with Curfex.

  1. Sending from Hong Kong

    The sending amount used in the survey is HKD20,000

    Receiving Currency Bank Cost Curfex Cost Savings
    AUD 3.10% 1.00% 68%
    CNY 2.94% 1.00% 66%
    HKD 2.40% 1.00% 58%
    IDR 3.43% 1.00% 71%
    KRW 5.07% 1.00% 80%
    MYR 3.13% 1.00% 68%
    PHP 4.56% 1.00% 78%
    SGD 2.91% 1.00% 66%
  2. Sending from Japan

    The sending amount used in the survey is JPY250,000

    Receiving Currency Bank Cost Curfex Cost Savings
    AUD 4.16% 1.00% 76%
    CNY 2.92% 1.00% 66%
    HKD 4.37% 1.00% 77%
    IDR 5.13% 1.00% 81%
    KRW 3.17% 1.00% 68%
    MYR 5.94% 1.00% 83%
    PHP 7.93% 1.00% 87%
    SGD 2.30% 1.00% 56%

*survey was conducted on 17 July 2018

  1. Sending from Hong Kong:
    You can set up your Curfex account in 4 easy steps:
    • Step 1: Get an invite code at
    • Step 2: Complete your email verification
    • Step 3: Fill out the registration form online
    • Step 4: Upload the necessary KYC documents online
  1. Sending from Japan:
    You can set up your Curfex account in 4 easy steps:
    • Step 1: Register for an account at
    • Step 2: Complete your email verification
    • Step 3: Fill out the registration form online
    • Step 4: Upload the necessary KYC documents online

*We will review and approve your account under 1 business day if everything is in order.

We will need your basic personal information for our know-your-customer and due diligence processes as required by law. Supporting documents such as the below will also be collected:

  1. Sending from Hong Kong:
    • national identification (ID or passport)
    • proof of address
  2. Sending from Japan:
    • My Number Card
    • Residence Card or Driving License

We protect and safeguard your information as stated in our Privacy Policy.

Our online platform is available 24/7 and we have dedicated support personnel to respond to your enquiries during normal business hours
Japan : 09:00-18:00 JST
Hong Kong : 09:00-18:00 HKT
Alternatively, contact us at and we will get back to you as fast as we complete your transfers.


Curfex is for everyone! Curfex is for you!