HFM's bank transfer is a way for residents of Japan to deposit yen from a bank: deposits are ¥1,000 to ¥1,100,000, reflected within 10 minutes, with no deposit fee on the HFM side.
Summary: what to know before a bank transfer deposit
- Amount: ¥1,000 to ¥1,100,000.
- Reflection: expected within 10 minutes.
- Fees: free on the HFM side. Your bank may charge its own fee.
- Name: the sender's name should match the name registered with HFM.
- Order: you cannot deposit until verification is approved.
Steps to deposit to HFM by bank transfer
- 01Finish verification
You cannot deposit until your documents are approved and myHF is fully verified. Review is expected within 48 hours.
- 02Log in to myHF
Go to the official login page, my.hfm.com, and sign in with your registered email address and password.
- 03Choose bank transfer under deposit
Enter an amount between ¥1,000 and ¥1,100,000. Check the destination details that are shown.
- 04Send from a bank account in your own name
Check what the screen shows and send the transfer. The myHF deposit screen takes priority.
- 05Check that the balance has been updated
Within 10 minutes is the expected time. If you are depositing into a trading account, also check whether a transfer of funds is needed.
HFM bank transfer conditions: amount, timing and fees
| Item | Details |
|---|---|
| Minimum deposit | ¥1,000 |
| Maximum deposit | ¥1,100,000 |
| Expected reflection | Within 10 minutes |
| HFM-side deposit fee | Free |
| Bank-side fee | May apply (the client's responsibility) |
| Name | Sender's name should match the name registered with HFM |
| Withdrawal | 2 to 10 business days depending on the bank; minimum follows the withdrawal screen; bank fees are separate |
※ The official pages do not confirm bank cut-off times or how transfers are handled. Follow your own bank's guidance.
Comparing bank transfer with the other deposit methods
| Method | Minimum deposit | Maximum deposit | Reflection time |
|---|---|---|---|
| Bank transfer | ¥1,000 | ¥1,100,000 | Within 10 minutes |
| JCB | ¥750 | ¥3,000,000 | Within 10 minutes |
| VISA | ¥750 | ¥500,000 | Instant |
| Crypto | $30 | $10,000 | Instant |
| EXONE | ¥1,000 | ¥1,000,000 | Within 10 minutes |
| bitwallet | ¥1,000 | ¥5,000,000 | Within 10 minutes |
| BINANCE PAY | $20 | $30,000 | Instant |
※ Withdrawals are normally made by the same method as the deposit. Choose a method with the withdrawal in mind.
Bank transfer cautions, and the next step after depositing
- The sender's name should match the name registered with HFM (official guidance). Check before you send.
- Check bank-side fees on your own bank's screen, not on HFM.
- Withdrawals are normally by the same method as the deposit. Funds deposited by bank transfer are received by bank transfer.
- If the deposit has not shown after 10 minutes, go to the page on why it may not be reflected.
Why an HFM deposit is not reflected, and what to check
Conditions change by account, country of residence and time, so the official information shown during registration takes priority.