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A1 noun #2,879 most common 14 min read

振込

furikomi Top 2,879

Practice it Examples Notes & Tips 振込 in 30 Seconds

Explanation 振込 in your Level:

At the A1 level, you should recognize 振込 (furikomi) as a vital 'survival word' for living in Japan. You don't need to know the complex banking laws, but you must understand that this word means 'sending money through the bank.' You will most likely see it on an ATM screen or hear it when your landlord gives you their bank details. At this stage, focus on the phrase furikomi wo suru (to do a transfer). Think of it as a single block of meaning. When you go to a bank, the first thing you look for on the screen is this word. It's often paired with okane (money) and ginkō (bank). A1 learners should be able to say simple things like 'Ginkō de furikomi wo shimasu' (I will do a transfer at the bank). You should also be aware that in Japan, you don't usually pay rent with cash; you use furikomi. This is one of the first cultural hurdles you will face. Just remember: furikomi = bank transfer. It is a noun, so you treat it like any other object. If you are asked 'How will you pay?', you can simply answer 'Furikomi de' (By transfer). This level is all about identifying the word in the wild and knowing its basic function in your daily life as a resident or long-term visitor in Japan.

At the A2 level, you begin to use 振込 (furikomi) in more complete sentences and understand the basic logistics involved. You should be able to distinguish between the noun furikomi and the verb furikomu. For example, 'Kore wo furikonde kudasai' (Please transfer this). You should also start learning related vocabulary like tesūryō (fee) and kōza (account). An A2 learner should be able to handle a simple interaction at a bank counter, such as asking 'Furikomi no yaritaka wo oshiete kudasai' (Please tell me how to do a transfer). You are also expected to understand basic schedules, such as 'Ashita made ni furikonde kudasai' (Please transfer it by tomorrow). You'll notice that furikomi is often used with the particle de to indicate the means of payment. You might also encounter the word in convenience stores. At A2, you are moving from just recognizing the word to actively using it to manage your basic needs. You should also be aware of the polite form o-furikomi and recognize it when you receive an email from a company. This level involves understanding the 'who, when, and where' of the transfer: Who are you sending it to? When is the deadline? Where is the ATM?

By the B1 level, you should be comfortable with the nuances of 振込 (furikomi) in various social and professional contexts. You should understand the difference between furikomi and furikae (internal transfer) and use them correctly to avoid confusing bank staff. B1 learners should be able to explain a problem if a transfer goes wrong, using phrases like 'Furikomi ga mada han'ei sareteimasen' (The transfer hasn't been reflected/processed yet). You should also be familiar with compound nouns like furikomi-saki (the destination of the transfer) and furikomi-meisai (the transfer receipt). At this level, you start to understand the social expectations surrounding furikomi, such as the etiquette of who pays the transfer fee. You might read a contract that says 'Tesūryō wa kokyaku futan' (The fee is the customer's responsibility) and know exactly what that means for your furikomi. You are also capable of using internet banking interfaces in Japanese, where furikomi is a primary menu item. You should be able to follow multi-step instructions on a screen, which involves reading the word in context with other banking terms like tenpo-mei (branch name) and kōza-bangō (account number). B1 is where furikomi becomes a tool you control rather than a confusing task you dread.

At the B2 level, 振込 (furikomi) is used fluently in business and formal situations. You understand the legal and security implications of transfers. You are familiar with furikomi sagi (transfer scams) and can discuss the measures taken by society to prevent them. You can handle complex banking tasks, such as setting up a furikomi yoyaku (scheduled/reserved transfer) or dealing with a kumimodoshi (reversing a transfer). In a business setting, you can discuss furikomi as part of an accounting workflow. You might say, 'Kongetsu no furikomi-bun wa subete kanryō shimashita' (All of this month's transfers have been completed). You understand the honorific structures used by banks, such as 'O-furikomi no tetsuzuki wo uketamawarimashita' (We have accepted your transfer procedure). B2 learners can also read more dense financial documents where furikomi might be abbreviated or part of a larger technical term. You understand the timing of the Zengin system (Japan's clearing house) and how it affects when a furikomi will actually arrive in the recipient's account. Your vocabulary extends to terms like furikomi-gendogaku (transfer limit) and you can navigate the security requirements like one-time passwords associated with these transactions.

At the C1 level, your understanding of 振込 (furikomi) includes its role in the broader Japanese economy and legal system. You can engage in discussions about the digitalization of the Japanese banking system and how furikomi is evolving with the rise of 'cashless' society and fintech. You understand the historical context of why furikomi became the dominant payment method in Japan compared to the check-based systems of the US or the direct-debit systems of Europe. You can use the word in abstract or metaphorical contexts if necessary, though it remains primarily a technical term. In a professional capacity, you can draft formal notices regarding changes in furikomi procedures or fees. You are sensitive to the subtle differences between furikomi, sōkin, nōfu, and haraikomi in legal contracts. You can identify and explain the risks associated with different transfer methods and suggest improvements to a company's payment workflow. For a C1 learner, furikomi is not just a word but a component of a complex financial ecosystem that you can navigate with the same ease as a native speaker, including the ability to spot errors in complex transfer logs or bank statements.

At the C2 level, you possess a native-like mastery of 振込 (furikomi) and its associated terminology. You can understand and critique the technical specifications of the Zengin system that facilitates these transfers. You are capable of handling high-stakes financial negotiations where furikomi terms—such as value dates, settlement risks, and cross-border reconciliation—are central. You can interpret the nuances of banking regulations related to furikomi and anti-money laundering (AML) protocols. Your command of the language allows you to use furikomi in complex legal arguments or high-level financial reporting. You understand the psychological impact of furikomi culture on Japanese consumer behavior. You can seamlessly switch between the highly formal language used in bank boardrooms and the casual jargon used by tech developers building the next generation of furikomi apps. At this level, the word is a transparent part of your professional repertoire, and you can explain its most minute details—such as the difference between denshi furikomi and traditional methods—to others with total clarity and authority.

Practice it Examples Notes & Tips

振込 in 30 Seconds

Furikomi is the standard Japanese term for a bank transfer used for rent, salaries, and bills.
It is primarily a manual process performed at ATMs or through banking apps, rather than using checks.
Each transfer typically incurs a fee, and the sender is usually expected to cover this cost.
It is a noun; the corresponding verb is 'furikomu', meaning the act of performing the transfer.

The term 振込 (furikomi) is an essential pillar of the Japanese financial landscape. At its core, it refers to a bank transfer or a remittance where money is moved from one bank account to another. Unlike in many Western countries where personal checks or direct debit authorizations are the primary means of handling recurring bills, Japan relies heavily on the active process of furikomi. Whether you are a student paying your monthly rent, an employee receiving your monthly salary, or a resident paying a utility bill that didn't get automatically deducted, you will inevitably encounter this word. It is a noun that represents the action of transferring funds, often performed at an ATM (Automatic Teller Machine), through a physical bank counter, or increasingly, via mobile and online banking platforms. The prevalence of this system is so high that most Japanese people have the bank details of their landlords or utility providers memorized or saved in their banking apps. The process is known for its extreme precision and speed; domestic transfers within the same banking group or during business hours often reflect almost instantaneously.

The Literal Breakdown: The word consists of two kanji: 振 (furi), which can mean to shake, swing, or assign, and 込 (komi), which implies moving something into a space or state. Together, they describe the 'shaking' or 'assigning' of funds into an account.

明日、家賃の振込をしなければなりません。 (Tomorrow, I must perform the bank transfer for my rent.)

In a broader societal context, furikomi is synonymous with reliability and formal financial obligation. When a company tells you they will pay you via furikomi, it is the standard, professional way of saying you will be paid. However, it is important to note that furikomi usually involves a fee, known as 振込手数料 (furikomi tesūryō). This fee can vary depending on whether you are transferring to the same bank, a different branch, or a completely different financial institution. In many business transactions, there is a subtle social protocol regarding who pays this fee—the sender or the receiver—which is often clarified in invoices with the phrase '振込手数料は貴社にてご負担願います' (Please bear the transfer fee at your company's expense).

Daily Life Integration: You will see this word on every ATM screen in Japan. It is usually the most prominent button alongside 'Withdrawal' and 'Deposit'. For expatriates, mastering the furikomi process is a rite of passage for living independently in Japan.

Furthermore, the word has entered the dark side of Japanese news through the term 振込詐欺 (furikomi sagi), or bank transfer scams. These are often 'it's me, it's me' (ore-ore) scams targeting the elderly, where a fraudster pretends to be a relative in distress needing an immediate furikomi to settle a debt or legal issue. Because of this, Japanese banks have implemented numerous warnings and limits on furikomi transactions to protect vulnerable citizens. Understanding this word is not just about banking; it is about understanding a core mechanism of Japanese social trust and the potential for its exploitation.

給料の振込を確認しました。 (I confirmed the bank transfer of my salary.)

Business Etiquette: In B2B (Business to Business) transactions, the furikomi is the definitive proof of payment. Invoices will always list the 振込先 (furikomisaki), which is the destination account information including the bank name, branch name, account type, and account number.

手数料は振込人負担でお願いします。 (Please have the sender bear the transfer fee.)

Using 振込 (furikomi) correctly requires an understanding of its grammatical role as a noun and its relationship with the verb 振り込む (furikomu). While furikomi is the act or the transfer itself, furikomu is the action of performing that transfer. When using the noun, you will frequently pair it with the verb suru (to do) or okonau (to perform) to form the phrase furikomi wo suru. This is the most common way to express 'to make a bank transfer' in everyday conversation. For example, if you are at the bank and someone asks what you are doing, you might say '振込をしています' (I am doing a transfer).

Direct Object Usage: When furikomi is the subject or object of a sentence, it often refers to the transaction as a single unit of data or a completed event. '振込が終わりました' (The transfer has finished).

この口座に振込をお願いします。 (Please make a transfer to this account.)

In formal settings, such as emails to clients or landlords, you will often use the honorific prefix o to say o-furikomi. This softens the request and shows respect, especially when asking for money or confirming that money has been sent. For instance, 'お振込を確認いたしました' (We have confirmed your transfer) is a standard polite phrase used by businesses. Conversely, if you are telling a client that you have sent the money, you might say '本日、お振込の手続きをいたしました' (Today, I completed the procedures for the transfer). The word tetsuzuki (procedure) is often combined with furikomi to sound more professional.

Compound Nouns: Furikomi frequently attaches to other nouns to create specific terms: 振込口座 (furikomi kōza - transfer account), 振込用紙 (furikomi yōshi - transfer form), and 振込明細 (furikomi meisai - transfer details/receipt).

ATMで振込をするのは簡単です。 (Doing a transfer at the ATM is easy.)

Another important grammatical point is the use of furikomi in the passive or causative sense in business. A company might say '給料は毎月25日に振り込まれます' (Salary is transferred on the 25th of every month). Here, the verb furikomu is used in its passive form furikomaremasu. Using the noun furikomi instead, one would say '給料の振込日は25日です' (The transfer day for the salary is the 25th). Both are equally common, but the noun version is more likely to appear on official documents or schedules. When you are the one receiving the money, you are the 被振込人 (hifurikominin), though this is a very technical term rarely used in speech.

間違えて別の口座に振込をしてしまった。 (I accidentally made a transfer to the wrong account.)

Sentence Structure with Amounts: When specifying the amount, the amount usually comes before the 'wo': '5万円を振込しました' (I transferred 50,000 yen).

インターネットバンキングで振込ができます。 (You can make a transfer via internet banking.)

In Japan, 振込 (furikomi) is a word that echoes through various sectors of society, from the sterile halls of a megabank to the casual conversations of roommates. The most common place you will hear this word is at a bank. If you visit a branch of MUFG, Mizuho, or SMBC, the automated voice guidance systems at the ATMs will repeatedly use the word furikomi. You will hear phrases like '振込内容をご確認ください' (Please confirm the transfer details) or '振込手数料がかかります' (A transfer fee will be charged). The ATM interface itself will have a large, usually blue or green button labeled 振込. For many foreigners in Japan, the first time they 'hear' this word is actually through these automated prompts as they struggle to pay their first month's rent.

In the Workplace: The office is another prime location. On the 25th of the month (the traditional payday in Japan), you might hear colleagues saying '給料、振込されてた？' (Has the salary been transferred?). In the accounting department (経理部 - keiribu), the word is used constantly as they process payments to vendors and reimbursements to employees.

窓口で振込の手続きをしました。 (I completed the transfer procedure at the bank counter.)

Real estate offices are also hotspots for this vocabulary. When you sign a contract for a new apartment, the agent will hand you a sheet of paper with the furikomi-saki (transfer destination) and tell you by which date the furikomi must be completed. They might say, '初期費用は振込でお願いします' (Please pay the initial costs via bank transfer). In this context, furikomi is the expected, professional standard, and suggesting payment by cash or credit card might even be met with a surprised look, as many old-school landlords only accept transfers. This highlights how deeply the word is tied to the concept of 'settling a debt' in Japanese culture.

News and Media: You will also hear this word frequently on the evening news. Unfortunately, it is often associated with crime. 振込詐欺 (Furikomi sagi) is a major social issue in Japan. News anchors will report on the latest tactics used by scammers to trick people into performing a furikomi. This has led to a cultural awareness where the word can sometimes trigger a sense of caution if used in an unexpected phone call.

最近、振込詐欺が増えています。 (Recently, bank transfer scams are increasing.)

Finally, you will encounter this word in the digital realm. Every Japanese banking app, from the big banks to digital-only ones like Rakuten Bank or Sony Bank, has a furikomi section. The word is ubiquitous in the user interface. Even in e-commerce, while credit cards and convenience store payments (konbini barai) are popular, '銀行振込' (ginkō furikomi) remains a trusted option for many shoppers who prefer not to use credit cards online. Hearing or seeing the word furikomi is a sign that you are engaging with the formal, structured side of Japanese life.

コンビニのATMでも振込が可能です。 (Transfers are also possible at convenience store ATMs.)

Customer Support: If you call a customer service line because a payment didn't go through, the representative will ask, '振込名義人はどなたですか？' (Who is the name of the person who made the transfer?). This refers to the name registered on the bank account used for the transfer.

While 振込 (furikomi) might seem straightforward, there are several linguistic and practical pitfalls that learners often fall into. The most common mistake is confusing 振込 (furikomi) with 振替 (furikae). While they look similar and both involve moving money, they are used in different contexts. Furikomi is a transfer between two different people or entities (e.g., you to your landlord). Furikae usually refers to a transfer between two accounts owned by the same person within the same bank (e.g., from your savings account to your checking account). If you tell a bank teller you want to do a furikae to pay your rent, they will be confused because that implies you own the landlord's account.

Mistake 1: Furikomi vs. Furikae: Using furikae for external transfers. Remember: Furikomi is for 'sending' to others; Furikae is for 'shuffling' your own money.

× 自分の口座から大家さんに振替しました。 (Incorrect: I 'shuffled' to the landlord.)

Another frequent error is related to the 振込名義 (furikomi meigi), or the name of the sender. In Japan, when you make a furikomi to a company or for a specific service (like an exam fee), they often require you to add a specific number or a katakana code before your name so they can identify the payment. Many learners simply transfer the money under their own name in kanji or romaji. If the recipient is a large corporation, they might not be able to match your payment to your account without that specific meigi. Always check if the recipient has specified a '振込名義' format. Failing to do this is a major cause of 'lost' payments that require hours of phone calls to resolve.

Mistake 2: Ignoring the Transfer Name: Not changing the sender name at the ATM when requested. Most ATMs allow you to 'edit' the sender name before final confirmation.

振込名義を忘れないでください。 (Don't forget the transfer sender's name.)

A third mistake involves the 振込手数料 (furikomi tesūryō). In many Western cultures, bank transfers are free. In Japan, they almost always cost money (ranging from 110 to 880 yen). A common mistake is not accounting for this fee when you are transferring the exact amount of a bill. If you have exactly 50,000 yen in your account and try to transfer 50,000 yen, the transaction will fail because you don't have enough to cover the fee. Additionally, if you are supposed to pay a bill of 50,000 yen and you deduct the fee from that amount, the recipient will receive less than the full amount, which can lead to late fees or service interruptions. Always ensure you have 'amount + fee' in your account.

Mistake 3: The Fee Oversight: Assuming the transfer is free or that the recipient will pay the fee. In Japan, the sender usually pays unless explicitly stated otherwise.

手数料を引いて振込してはいけません。 (You must not transfer money after deducting the fee.)

In the world of Japanese finance, several words orbit the concept of 振込 (furikomi), each with its own specific nuance and use case. Understanding these distinctions is key to sounding natural and avoiding confusion at the bank. The most common alternative is 送金 (sōkin). While furikomi specifically implies the act of 'transferring into' an account, sōkin is a more general term for 'sending money' or 'remittance'. Sōkin is often used for international transfers (kaigai sōkin) or when the specific method (bank transfer, cash, app) isn't the primary focus. If you say 'money was sent,' you use sōkin; if you say 'it was transferred to the bank account,' you use furikomi.

Furikomi vs. Sōkin: Furikomi is the technical bank action. Sōkin is the general concept of remitting funds.

海外への送金は時間がかかります。 (Sending money overseas takes time.)

Another important word is 振替 (furikae). As mentioned in the common mistakes section, this refers to moving money between accounts within the same bank that belong to the same person. However, furikae is also used in the term 口座振替 (kōza furikae), which refers to automatic direct debit. If your phone bill is automatically taken from your account every month, that is kōza furikae. In contrast, if you have to go to the ATM and manually send the money for that phone bill, that is furikomi. Knowing which one you are using is vital for managing your monthly finances in Japan.

Furikomi vs. Kōza Furikae: Furikomi is a manual push of money. Kōza Furikae is an automatic pull of money.

電気代は口座振替にしています。 (I have set my electricity bill to direct debit.)

For specific types of payments, you might encounter 納付 (nōfu) and 払い込み (haraikomi). Nōfu is almost exclusively used for paying taxes or government fees (like the national pension). It carries a formal, obligatory tone. Haraikomi is very similar to furikomi but is often used for paying bills using a specific slip (payment slip) at a convenience store or post office. While they are technically different actions, in casual conversation, some people might use them interchangeably, but furikomi remains the most common term for any bank-to-bank movement.

Quick Comparison Table

振込 (Furikomi): Manual bank transfer to another person.
振替 (Furikae): Internal transfer or automatic debit.
送金 (Sōkin): General remittance/sending money.
納付 (Nōfu): Payment of taxes/official fees.
払い込み (Haraikomi): Payment via a slip (often at post offices).

税金の納付期限は明日です。 (The deadline for tax payment is tomorrow.)

How Formal Is It?

Fun Fact

The kanji 振 is also used in 'furisato' (shaking a hometown/origin) and 'furisode' (swinging sleeves), showing its versatile nature in describing movement.

Pronunciation Guide

UK /fʊrɪkoʊmi/

US /fʊrikoʊmi/

In Tokyo dialect, the pitch starts low on 'fu' and rises on 'ri', staying high for 'ko' and 'mi'. [Heiban style: Low-High-High-High]

Rhymes With

Hikomi (pulling in) Tsukomi (plunge/retort) Nikomi (stew) Kakikomi (writing/posting) Mochikomi (bringing in) Kirikomi (raid/cut) Nomikomi (swallowing/understanding) Mekomi (expectation)

Common Errors

Pronouncing 'fu' with too much air (it should be a soft 'h' sound made with lips close together).
Stressing the wrong syllable (Japanese is pitch-accented, not stress-accented).
Elongating the 'o' in 'ko' (it is a short vowel).
Confusing the 'r' sound with an English 'l' or 'r' (it is a flap sound like the 'tt' in 'better').
Adding a stress to the final 'mi'.

Difficulty Rating

Reading 2/5

Kanji are common but '込' is a Kokuji (made in Japan).

Writing 3/5

The kanji '振' has many strokes and needs practice.

Speaking 1/5

Pronunciation is simple and follows standard rules.

Listening 1/5

Very distinct sound, easy to pick out in bank settings.

What to Learn Next

Prerequisites

銀行 (Bank) お金 (Money) 送る (To send) 口座 (Account) 手数料 (Fee)

Learn Next

振替 (Internal transfer) 通帳 (Passbook) 暗証番号 (PIN) 残高 (Balance) 引き出し (Withdrawal)

Advanced

為替 (Exchange) 決済 (Settlement) 融資 (Loan) 預金 (Deposit) 利息 (Interest)

Grammar to Know

Noun + をする (To do [Noun])

振込をします。

Noun + で (By means of...)

振込で払います。

Verb (Masu-stem) + 込む (Into/Thoroughly)

振り込む、書き込む、飲み込む。

Passive Voice (〜まれる)

お金が振り込まれました。

Honorific Prefix 'O/Go'

お振込、お手紙、ご説明。

Examples by Level

銀行で振込をします。

I will do a transfer at the bank.

Simple subject + particle 'de' + noun 'furikomi' + object marker 'wo' + verb 'shimasu'.

家賃の振込は明日です。

The rent transfer is tomorrow.

Noun 'yachin' + possessive 'no' + noun 'furikomi' + 'wa' + 'ashita desu'.

振込をしてください。

Please make a transfer.

Noun 'furikomi' + 'wo' + 'shite kudasai' (polite request).

これは振込の紙ですか？

Is this a transfer slip?

Pronoun 'kore' + 'wa' + 'furikomi no kami' + question particle 'ka'.

振込の手数料はいくらですか？

How much is the transfer fee?

Noun 'furikomi' + 'no' + 'tesūryō' (fee) + 'wa' + 'ikura desu ka'.

ATMで振込ができます。

You can do a transfer at the ATM.

Location 'ATM' + 'de' + 'furikomi' + 'ga' + 'dekimasu' (can do).

お振込ありがとうございます。

Thank you for the transfer.

Honorific 'o' + 'furikomi' + 'arigatō gozaimasu'.

振込を忘れました。

I forgot the transfer.

Noun 'furikomi' + 'wo' + 'wasuremashita' (past tense of forget).

今日中に振込をしなければなりません。

I must make the transfer by the end of today.

Time 'kyō jū ni' + 'furikomi' + 'wo' + 'shinakereba narimasen' (must do).

振込先を教えてください。

Please tell me the transfer destination.

Compound noun 'furikomisaki' (destination) + 'wo' + 'oshiete kudasai'.

スマホで振込をしました。

I made the transfer using my smartphone.

Instrument 'sumaho' + 'de' + 'furikomi' + 'wo' + 'shimashita'.

振込の手続きは簡単ですよ。

The transfer procedure is easy, you know.

Noun 'tetsuzuki' (procedure) + 'wa' + 'kantan desu' + emphasis 'yo'.

名前を間違えて振込してしまいました。

I accidentally made a transfer with the wrong name.

Verb 'machigaete' + 'furikomi shite shimaimashita' (regrettable action).

銀行の窓口で振込をしました。

I made a transfer at the bank counter.

Location 'madoguchi' (counter) + 'de' + 'furikomi'.

振込の明細書をなくさないでください。

Please do not lose the transfer receipt.

Noun 'meisaisho' (details/receipt) + 'wo' + 'nakusanaide kudasai'.

給料が振込されました。

The salary has been transferred.

Passive form 'furikomi saremashita' (was transferred).

振込手数料はどちらが負担しますか？

Which side will bear the transfer fee?

Noun 'tesūryō' + 'wa' + 'dochira' + 'ga' + 'futan' (burden/bear) + 'shimasu ka'.

振込名義人を変更する必要があります。

It is necessary to change the transfer sender's name.

Noun 'meiginin' (name of person) + 'wo' + 'henkyō' (change) + 'suru hitsuyō ga aru'.

振込が完了したら、メールで知らせてください。

When the transfer is complete, please let me know by email.

Noun 'kanryō' (completion) + 'shitara' (if/when) + 'shirasete kudasai'.

振込用紙をコンビニに持って行きました。

I took the transfer slip to the convenience store.

Noun 'yōshi' (form/slip) + 'wo' + 'motte ikimashita'.

この口座は振込専用ですか？

Is this account for transfers only?

Noun 'sen'yō' (exclusive use) + 'desu ka'.

振込の限度額を確認してください。

Please check the transfer limit.

Noun 'gendogaku' (limit amount) + 'wo' + 'kakunin shite kudasai'.

間違った口座に振込をしてしまい、組戻しを依頼した。

I transferred to the wrong account and requested a reversal.

Term 'kumimodoshi' (reversal/chargeback) + 'wo' + 'irai' (request).

振込予約をキャンセルしたいのですが。

I would like to cancel the scheduled transfer.

Noun 'yoyaku' (reservation/schedule) + 'wo' + 'kyanseru shitai no desu ga'.

振込詐欺の被害に遭わないよう注意が必要です。

Caution is necessary to avoid falling victim to transfer scams.

Noun 'higai' (damage/victim) + 'ni au' (to encounter) + 'yō' (so that).

振込が反映されるまでに数時間かかる場合があります。

There are cases where it takes several hours for the transfer to be reflected.

Noun 'han'ei' (reflection/processing) + 'made ni' + 'sūjikan' + 'kakaru baai ga aru'.

振込明細書は確定申告の際に必要になります。

The transfer receipt will be necessary at the time of the final tax return.

Noun 'kakutei shinkoku' (tax return) + 'no sai' (at the time of).

一括振込機能を利用して、全従業員の給与を支払う。

Use the bulk transfer function to pay all employees' salaries.

Noun 'ikkatsu' (bulk/all-at-once) + 'kinō' (function) + 'wo riyō'.

振込先情報の入力ミスにより、送金がエラーになった。

Due to an input error in the destination information, the remittance resulted in an error.

Noun 'nyūryoku' (input) + 'misu' (mistake) + 'ni yori' (due to).

振込手数料の改定についてのお知らせを読みました。

I read the notice regarding the revision of transfer fees.

Noun 'kaitei' (revision) + 'ni tsuite no' + 'oshirase'.

振込の事実を証明するために、控えを保管しておく。

In order to prove the fact of the transfer, keep the copy/stub.

Noun 'shōmei' (proof) + 'suru tame ni' + 'hikae' (copy/stub).

即時振込サービスのおかげで、夜間でも送金が可能だ。

Thanks to the instant transfer service, remittances are possible even at night.

Noun 'sokuji' (instant) + 'sābisu' + 'no okage de' (thanks to).

振込データの照合作業に膨大な時間を費やしている。

An enormous amount of time is being spent on the reconciliation of transfer data.

Noun 'shōgō' (reconciliation/collation) + 'sagyō' + 'ni' + 'bōdai na' (enormous).

振込不能となった原因を究明し、再発防止策を講じる。

Investigate the cause of the transfer failure and take measures to prevent recurrence.

Noun 'funō' (impossible/failure) + 'kyūmei' (investigation) + 'kōjiru' (to take measures).

全銀システム稼働時間の拡大により、振込の利便性が向上した。

With the expansion of the Zengin system's operating hours, the convenience of transfers has improved.

Noun 'kadō' (operation) + 'kakudai' (expansion) + 'ribensei' (convenience).

振込詐欺の手口が巧妙化しており、金融機関の対策が急務だ。

The methods of transfer scams are becoming more sophisticated, and countermeasures by financial institutions are an urgent matter.

Noun 'teguchi' (method/trick) + 'kōmyō-ka' (becoming sophisticated).

振込手数料の無料化は、顧客獲得のための重要な戦略である。

Making transfer fees free is an important strategy for customer acquisition.

Noun 'muryō-ka' (making free) + 'senryaku' (strategy).

電子記録債権による決済は、従来の振込に代わる手段として注目されている。

Settlement via electronically recorded monetary claims is attracting attention as a substitute for traditional transfers.

Noun 'kessai' (settlement) + 'kōreirai' (traditional) + 'ni kawaru' (substituting).

振込依頼書の不備により、決済が遅延する恐れがある。

Due to deficiencies in the transfer request form, there is a risk that the settlement will be delayed.

Noun 'fubi' (deficiency/flaw) + 'chien' (delay) + 'osore ga aru' (there is a fear/risk).

海外振込における中継銀行の手数料体系を精査する。

Scrutinize the fee structure of intermediary banks in overseas transfers.

Noun 'chūkei' (intermediary) + 'taikei' (system/structure) + 'seisa' (scrutiny).

振込制度の抜本的な改革が、キャッシュレス社会の進展を左右する。

Drastic reform of the transfer system will determine the progress of a cashless society.

Noun 'bappon-teki' (drastic/radical) + 'sayū suru' (to influence/determine).

振込詐欺に対する法的抑止力の強化が、喫緊の課題となっている。

Strengthening the legal deterrent against transfer scams has become a pressing issue.

Noun 'yokushiryoku' (deterrent) + 'kikkin no kadai' (pressing issue).

金融EDIの普及により、振込と商流情報の統合が進んでいる。

With the spread of financial EDI, the integration of transfers and commercial flow information is progressing.

Noun 'shōryū' (commercial flow) + 'tōgō' (integration).

振込手数料の価格弾力性を分析し、最適な料金設定を模索する。

Analyze the price elasticity of transfer fees and seek the optimal pricing setting.

Noun 'kakaku danryokusei' (price elasticity) + 'mosaku' (to grope/seek).

分散型台帳技術は、中央集権的な振込システムの在り方を根底から覆す可能性がある。

Distributed ledger technology has the potential to fundamentally overturn the nature of centralized transfer systems.

Noun 'kontei kara kutsugaesu' (to overturn from the roots).

振込業務のアウトソーシングに伴う、情報漏洩リスクの管理体制を構築する。

Construct an information leakage risk management system accompanying the outsourcing of transfer operations.

Noun 'jōhō rōei' (information leak) + 'kōchiku' (construction/building).

マネーロンダリング対策として、振込の疑わしい取引の検知精度を高める。

As a countermeasure against money laundering, increase the detection accuracy of suspicious transfer transactions.

Noun 'utagawashii' (suspicious) + 'kenchi seido' (detection accuracy).

振込手数料の多層的な構造が、中小企業の資金繰りに与える影響を考察する。

Consider the impact that the multi-layered structure of transfer fees has on the cash flow of small and medium-sized enterprises.

Noun 'tasō-teki' (multi-layered) + 'shikinguri' (cash flow) + 'kōsatsu' (consideration).

Synonyms

送金振替入金払い込み納付

Antonyms

引き出し現金払い

Common Collocations

振込手数料

振込先

振込名義人

振込期限

銀行振込

振込依頼書

振込詐欺

一括振込

自動振込

振込明細

Common Phrases

お振込はお済みですか？

— Have you finished the transfer? Used by companies to check on payment status.

まだお振込がお済みでないようです。

振込でお願いします

— Please pay by bank transfer. The standard request for payment.

家賃は振込でお願いします。

振込を確認しました

— I have confirmed the transfer. Used when the money has arrived.

本日、お振込を確認いたしました。

振込を予約する

— To schedule a transfer. Setting a future date for a payment.

来週の月曜日に振込を予約した。

振込が遅れる

— The transfer is delayed. Used when a payment isn't made on time.

振込が遅れて申し訳ありません。

振込をキャンセルする

— To cancel a transfer. Stopping a transaction before it processes.

間違えたので振込をキャンセルしたい。

振込限度額

— Transfer limit. The maximum amount you can send in one go.

振込限度額を引き上げる。

振込の手続き

— Transfer procedure. The steps taken to complete a transfer.

振込の手続きを教えてください。

振込口座

— Transfer account. The specific account where money is sent.

振込口座はこちらです。

振込用紙

— Transfer form. The physical slip used for banking.

振込用紙をなくしてしまった。

Often Confused With

振込 vs 振替 (Furikae)

Furikomi is to others; Furikae is to yourself or automatic.

振込 vs 送金 (Sōkin)

Furikomi is the bank action; Sōkin is the general idea of sending money.

振込 vs 払い込み (Haraikomi)

Haraikomi often implies using a physical payment slip.

Idioms & Expressions

"振込詐欺"

— A general term for various bank transfer scams, often targeting the elderly.

振込詐欺のニュースを見た。

Common

"オレオレ詐欺"

— A specific type of furikomi scam where the caller says 'It's me, it's me' to trick grandparents.

祖母がオレオレ詐欺に遭いそうになった。

Colloquial

"振込人相違"

— A mismatch in the sender's name, causing a transfer to fail or get lost.

振込人相違で入金が確認できない。

Technical

"振込キャッシング"

— A service where a credit card company transfers a cash loan directly to your bank account.

振込キャッシングを利用する。

Financial

"振込優待"

— Fee discounts or benefits provided by a bank for making transfers.

振込優待で手数料が無料になる。

Banking

"振込不能"

— The state of a transfer being impossible to complete due to errors.

口座番号の間違いで振込不能になった。

Technical

"振込集中日"

— The days when bank systems are congested due to many people doing transfers (e.g., payday).

25日は振込集中日なので注意が必要だ。

Professional

"振込代行"

— A service that performs bank transfers on behalf of a company.

振込代行サービスを導入する。

Business

"振込明細の控え"

— The physical or digital copy of a transfer record kept for proof.

振込明細の控えを捨てないで。

Daily Life

"振込手数料無料"

— The 'holy grail' of banking in Japan—not having to pay the transfer fee.

この銀行は月3回まで振込手数料無料だ。

Common

Easily Confused

振込 vs 振替

They share the first kanji and both involve moving money.

Furikomi involves two different parties. Furikae involves moving money between accounts you own in the same bank, or automatic payments.

貯金口座から振替をする。

振込 vs 入金

Both involve money entering an account.

Furikomi is the *act* of transferring. Inkin is the *result* or a simple deposit of cash.

ATMで一万円を入金する。

振込 vs 送金

Both mean sending money.

Furikomi is specific to bank accounts. Sōkin is broader and used for international wires or cash remittances.

海外へ送金する。

振込 vs 納付

Both are ways to pay for things.

Nōfu is specifically for paying the government (taxes, etc.). Furikomi is for private transactions.

税金を納付する。

振込 vs 決済

Both refer to paying for something.

Kessai is a business term for the final settlement of a deal. Furikomi is the technical method used to achieve that settlement.

レジで決済を済ませる。

Sentence Patterns

[Noun] を振込します。

家賃を振込します。

[Account] に [Amount] を振り込む。

田中さんの口座に一万円を振り込む。

[Time] までに振込をお願いします。

来週の月曜日までに振込をお願いします。

振込手数料は [Person] 負担です。

振込手数料は送金者負担です。

[Reason] により振込ができない。

システムエラーにより振込ができない。

振込制度の [Noun] について考察する。

振込制度の歴史的背景について考察する。

[Place] で振込ができます。

コンビニで振込ができます。

お振込を [Verb-Past]。

お振込を確認しました。

Word Family

Nouns

振り込み (furikomi - the act/noun form)

振込人 (furikominin - the sender)

被振込人 (hifurikominin - the recipient)

振込先 (furikomisaki - the destination)

Verbs

振り込む (furikomu - to transfer/remit)

振り込まれる (furikomaremu - to be transferred/passive)

銀行 (ginkō - bank)

口座 (kōza - account)

手数料 (tesūryō - fee)

明細 (meisai - details)

送金 (sōkin - remittance)

How to Use It

frequency

Extremely high in daily life, especially around the 25th of each month.

Common Mistakes

Using 'furikae' when paying rent. → Using 'furikomi'.
Furikae is only for moving money between your own accounts. Furikomi is for paying others.
Not including the fee in the total. → Adding the fee to your balance.
If you have exactly 10,000 yen and try to transfer 10,000 yen, it will fail because of the fee.
Writing the account name in Kanji at the ATM. → Using Katakana.
Japanese banking systems process names in Katakana. Most ATMs will convert it for you, but you must know the Katakana reading.
Deducting the transfer fee from the bill amount. → Paying the full bill amount plus the fee.
Unless agreed, the recipient expects the full amount. If you send 49,800 instead of 50,000 because of a 200 yen fee, you still owe 200 yen.
Thinking 'furikomi' is the same as 'cash deposit'. → Understanding furikomi is a transfer.
A deposit is 'nyūkin'. A transfer is 'furikomi'. They are different buttons on the machine.

Tips

The 25th is Busy

The 25th of each month is the most common payday. ATMs will have long lines because everyone is doing their 'furikomi' for rent and bills. Try to do yours on the 24th or 26th to save time.

Check Your Bank's Perks

Many online banks (like Sony Bank or Rakuten Bank) offer a certain number of free furikomi per month. This can save you thousands of yen a year compared to using traditional megabanks.

Verify the Name

When you enter an account number at an ATM, the machine will usually display the recipient's name in Katakana. Always check this name carefully before pressing 'Confirm' to ensure it matches the person you intend to pay.

Noun vs Verb

Remember: 振込 (furikomi) is the noun. 振り込む (furikomu) is the verb. Use 'furikomi wo suru' if you want to use the noun. Use 'furikomu' for the action.

The Fee Etiquette

In business, if an invoice doesn't say who pays the fee, the default is the sender. However, it's polite to clarify 'Tesūryō wa dochira futan desu ka?' (Who will bear the fee?).

Use Templates

In banking apps, you can save 'furikomi-saki' (destination) as a template. This prevents typos in account numbers for recurring payments like rent.

If You Get Scammed

If you realize you've been a victim of 'furikomi sagi', contact your bank and the police immediately. There is a law called the 'Furikomi Sagi Kyūsaifō' that might help you recover some funds.

Honorifics

When a company sends you money (like a refund), they will call it 'o-furikomi'. When you send them money, you can also use 'o-furikomi' to be polite.

Yūcho is Different

The Japan Post Bank (Yūcho) has its own system. Transfers between Yūcho accounts are often called 'remittance' (sōkin) in their English menus, but it's the same thing as furikomi.

Conbini Limits

Convenience store ATMs often have lower daily transfer limits than bank branch ATMs. If you need to send a large amount, go to a physical bank branch.

Memorize It

Mnemonic

Think of 'FURIous'ly 'KOM'ing (coming) into your bank account. The money is 'shaking' (furi) its way 'into' (komi) the bank.

Visual Association

Imagine an ATM screen with a giant blue button that looks like a slot where money is being 'swung' (furi) into a box (komi).

Word Web

Bank Money Transfer Rent Salary ATM Fee Account

Challenge

Try to find the '振込' button at an ATM next time you are at a Japanese convenience store. Don't press it unless you mean it, but see if you can identify it within 3 seconds.

Word Origin

The word is a compound of the verb 振る (furu) and 込む (komu). In a financial context, 'furu' historically referred to assigning or allocating resources or funds. 'Komu' indicates a movement inward or into a specific place.

Original meaning: To shake or throw into; later adapted to mean the allocation of funds into a specific account.

Japanese (Sino-Japanese kanji usage).

Cultural Context

Be careful when discussing 'furikomi sagi' with elderly Japanese people, as it is a sensitive and frightening topic for many.

English speakers might expect 'direct debit' or 'wire transfer'. Furikomi is closer to a 'wire transfer' but is used for everyday small payments, not just large ones.

News reports on 'Ore-ore sagi' (It's me scams). Banking dramas like 'Hanzawa Naoki' where financial transfers are key plot points. Posters in every Japanese police station warning about '振込詐欺'.

Practice in Real Life

Real-World Contexts

Paying Rent

家賃を振込します。
振込先を教えてください。
振込手数料は私のアカウントから引かれますか？
毎月25日に振込を予約しています。

At the Bank ATM

振込ボタンを押してください。
カードを入れて振込を選びます。
振込名義人を確認します。
明細票（控え）を受け取ります。

Receiving Salary

給料の振込口座を登録する。
給料が振り込まれていない。
振込日はいつですか？
振込金額が間違っています。

Online Shopping

支払方法は銀行振込を選んだ。
振込確認後に発送されます。
振込期限は3日以内です。
注文番号を振込名義に含めてください。

Business Invoicing

請求書の振込先情報を確認する。
振込手数料は貴社負担でお願いします。
お振込ありがとうございました。
振込データを作成する。

Conversation Starters

"家賃の振込、もう済ませた？ (Have you already finished the rent transfer?)"

"銀行の振込手数料、高くない？ (Aren't bank transfer fees expensive?)"

"スマホで振込するのって、怖くない？ (Isn't it scary to do transfers on a smartphone?)"

"給料、何時に振り込まれるか知ってる？ (Do you know what time the salary gets transferred?)"

"振込詐欺の電話、かかってきたことある？ (Have you ever received a call for a bank transfer scam?)"

Journal Prompts

今日は初めて一人で銀行の振込をしました。難しかったですか？ (Today I did a bank transfer by myself for the first time. Was it hard?)

日本の振込手数料についてどう思いますか？自分の国と比べてください。 (What do you think about Japanese transfer fees? Compare them to your country.)

もし間違えて知らない人に振込をしてしまったら、どうしますか？ (What would you do if you accidentally transferred money to a stranger?)

最近はキャッシュレスが進んでいますが、振込はまだ必要だと思いますか？ (Cashless is progressing lately, but do you think transfers are still necessary?)

給料が振り込まれた日、一番最初に何を買いたいですか？ (On the day your salary is transferred, what do you want to buy first?)

Frequently Asked Questions

10 questions

Yes, you can often perform a 'genkin furikomi' (cash transfer) at certain bank ATMs or counters, though there are limits (usually 100,000 yen) and higher fees. You cannot do this at convenience store ATMs; they require a cash card.

It is the name of the sender. Usually, it's your name in Katakana. Sometimes companies ask you to change it to include a customer number (e.g., 12345 TANAKA TARO) so they can identify your payment.

Japanese banks charge for the use of the Zengin network and for the administrative cost of processing the transfer. Fees are lower if you transfer within the same bank.

Domestic transfers during business hours are often instant. If done after hours or on weekends, they might not process until the next business day, although many banks now support 24/7 instant transfers.

The transfer will likely fail and the money will stay in your account. However, if the account number exists, the money will go to the wrong person. You will need to pay for a 'kumimodoshi' process to try and get it back.

It is a scam where someone calls you pretending to be a relative or official and asks you to transfer money urgently. Always verify the identity of the person before making a transfer.

Technically, that's called 'kaigai sōkin'. While the process is similar, it requires more information like a SWIFT code and involves higher fees and currency exchange.

It is a paper slip used at a bank or post office to manually write down the transfer details. You hand this to the teller with your cash or bank book.

Yes, it is the most secure and standard way to pay large bills in Japan. Just ensure you have the correct destination details.

If it's a scheduled (reserved) transfer, you can cancel it before the date. If it's already been sent, you cannot cancel it; you must request a refund (kumimodoshi).