☆ENGLISH ONLY☆コミュのChanging yen to dollars...where's the best place?

Ok, so I live and work in Japan and am do my best to save money each year. I do not plan to live here forever, so when I make trips back to America, I cash out here and take my savings back to the states.

My local bank charges 3% on the currency exchange. If you are only changing small amounts of money, it doesn't really make a difference, but for me, 1% is over a hundred dollars.

Anyone know where I can get a better exchange rate, or is 3% pretty much standard?

Thanks!!

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[1] mixiユーザー 11月18日 09:03

Look into Lloyds Overseas Remittance Service, electronic bank transfers, or postal cashiers checks. When dealing with cash, just accept the fact that you're going to fork over a percentage of the entire total. If you do electronic transactions, most places will only charge you one flat fee. I'm not sure about the postal cashiers checks, there might be a limit as to how much you can send.

Thanks to global terrorism, if you are transferring a large chunk of money to the US, be prepared to answer a bunch of questions about your "purpose" of transfer. I think they flag anything over a few thousand $, and will grill you about why you are doing it.

[2] mixiユーザー 11月18日 09:19

Get a Citi bank account, seriously man. If you can maintain at least $1,000 at all times in the account, it's your best bet. You can use it in the States, and Japan, and transferring dollars to yen is easy.

[3] mixiユーザー 11月19日 01:14

Thanks!! I'll look into the Citi Bank account. When I moved here, my employer set me up with a local bank, so it's the one I'm using. And they are the ones who charge 3% on the cash transfer.

Genius Idiot-san, really? I took home over $10,000 in cash last year, and had no problems at all at customs. I claimed it and everything. They didn't even ask me about it, haha!!