Berapa banyak NT$ yang setara dengan 100.000 Yen Jepang? Panduan lengkap konversi Yen Jepang ke NT$ tahun 2025

Taiwan dollar depreciation pressure increases, the 8.7% appreciation of the Japanese Yen as good news attracts more and more attention. But before you decide to exchange for Yen, make sure to clarify one question: how much is 100,000 Yen actually worth in Taiwan dollars? Based on the exchange rate on December 10, 2025, using the Taiwan Bank cash selling rate of 0.2060, 100,000 Yen is approximately 20,600 Taiwan dollars. However, this number can fluctuate by 200-1,000 NT$ depending on the chosen exchange channel and the type of exchange rate used.

Why is exchanging Yen now becoming a hot topic?

The Bank of Japan is on the verge of raising interest rates—recent hawkish comments by Governor Ueda Kazuo have pushed market expectations to 80%, with a rate hike of 0.25 basis points to 0.75% expected on December 19 (a 30-year high). At the same time, the Yen, as one of the world’s three major safe-haven currencies (alongside USD and Swiss Franc), naturally carries a protective halo during periods of global economic instability.

In fact, the use of Yen has long surpassed tourism: travel expenses (shopping in Tokyo, skiing in Hokkaido), purchasing代理 (Japanese cosmetics, anime peripherals), and even investment hedging (Yen fixed deposits with 1.5-1.8% annual interest, ETF dollar-cost averaging). In the second half of the year, Taiwan’s currency exchange demand grew by 25%, mainly driven by these three types of needs.

Exchange channels showdown: which method is most cost-effective?

Many think that exchanging Yen at banks is enough, but in reality, just the spread can make you pay for several cups of bubble tea more. Based on the latest data in 2025, we have summarized four major exchange channels, estimating costs based on exchanging 50,000 NT$.

Option 1: Foreign currency ATM—fastest but limited

Using a chip-enabled financial card at a bank’s foreign currency ATM to withdraw Yen cash, supporting 24-hour operation, with a cross-bank fee of only 5 NT$. E.SUN Bank’s foreign currency ATM allows withdrawal of Yen from NT$ accounts, with a daily limit of 150,000 NT$, and no exchange fee. However, after the new regulations in 2025, many banks’ third-type digital accounts have lowered their daily limit to 100,000 NT$.

Advantages: instant withdrawal, high flexibility, low cross-bank fees
Disadvantages: limited locations (~200 nationwide), fixed denominations (1,000/5,000/10,000 Yen), cash may run out during peak hours
Cost estimate: 50,000 NT$ roughly loses 800-1,200 NT$
Suitable for: urgent needs, no time to visit bank, office workers valuing immediacy

Option 2: Bank counter cash exchange—most traditional but most expensive

Carrying NT$ cash directly to a bank branch or airport counter to exchange for Yen cash. This is the most traditional method, but using the “cash selling rate” (about 1-2% worse than the spot rate) results in higher overall costs. Many banks like Taiwan Bank and Mega Bank offer free counter handling fees, but others like E.SUN and Taipei Fubon charge 100-200 NT$ per transaction.

Advantages: safe, full denominations, assistance from staff
Disadvantages: worst exchange rate, limited operating hours (weekday 9:00-15:30), possible extra fees
Cost estimate: 50,000 NT$ roughly loses 1,500-2,000 NT$
Suitable for: seniors or beginners unfamiliar with online operations, small amounts for urgent airport needs

Option 3: Online exchange + counter withdrawal—balanced choice

Using bank’s website or app to convert NT$ to Yen at the “spot sell rate” (about 1% better than cash selling rate), then depositing into a foreign currency account. If cash is needed, can withdraw at counters or foreign currency ATMs, but will incur a spread fee (starting around 100 NT$). E.SUN Bank offers this service with favorable rates, but requires opening a foreign currency account first.

This method suits those observing exchange rate trends, entering in batches when the rate is low (e.g., Yen/NT$ below 4.80). Many investors use this to accumulate Yen and then deposit into Yen fixed deposits (currently around 1.6% annual interest).

Advantages: 24-hour operation, ability to buy in batches for average cost, better rates
Disadvantages: need to open a foreign currency account first, withdrawal incurs additional fee
Cost estimate: 50,000 NT$ roughly loses 500-1,000 NT$
Suitable for: experienced forex traders, regular foreign currency account users, planning Yen fixed deposits

Option 4: Online currency settlement + airport pickup—traveler’s favorite

No need for a foreign currency account, just fill in currency, amount, pickup branch, and date on the bank’s website. After completing the online remittance, bring ID and transaction notice to pick up in person. Taiwan Bank’s “Easy Purchase” online settlement is fee-free (only 10 NT$ if paid via TaiwanPay), with about 0.5% favorable exchange rate.

This is the best pre-departure reservation method, especially at Taoyuan Airport which has 14 Taiwan Bank counters (2 open 24 hours). Mega Bank also offers similar services, allowing reservation for airport branch pickup.

Advantages: favorable rates, often no handling fee, can specify airport pickup
Disadvantages: need to book 1-3 days in advance, pickup during bank hours, branch cannot be changed
Cost estimate: 50,000 NT$ roughly loses 300-800 NT$
Suitable for: planned travelers, those wanting to withdraw directly at the airport

Example of costs for exchanging 100,000 Yen

Based on calculations for each channel, the Taiwan dollar cost of 100,000 Yen (based on December 2025 rate) is approximately:

• Counter cash exchange: about 20,600-20,800 NT$ (highest loss)
• Online exchange + pickup: about 20,500-20,700 NT$ (moderate loss)
• Online settlement + airport pickup: about 20,450-20,600 NT$ (less loss)
• Foreign currency ATM: about 20,500-20,650 NT$ (depending on cross-bank fees)

The difference can reach up to 400 NT$, which is significant for large exchanges (over 500,000 NT$).

Is exchanging Yen now cost-effective?

As of December 10, 2025, the NT$/JPY rate is about 4.85, compared to 4.46 at the start of the year, appreciating approximately 8.7%. Under the pressure of NT$ depreciation, the exchange gains from Yen are quite substantial.

However, the Yen still exhibits large fluctuations. USD/JPY has fallen from a high of 160 at the start of the year to around 154.58 now, with short-term oscillations around 155, but medium to long-term forecasts suggest below 150. The BOJ’s rate hike supports Yen strength, but global arbitrage unwinding or geopolitical conflicts (Taiwan Strait/Middle East) could suppress it.

Advice: stagger your exchanges to avoid all at once. For investment purposes, Yen as a safe-haven currency can hedge against Taiwan stock volatility, but short-term risks include arbitrage unwinding, with possible swings of 2-5%.

After exchanging Yen: 4 ways to make your money grow

Shift to stable income or growth investments, don’t let your money sit idle with no interest:

1. Yen fixed deposit: most stable, E.SUN/Taiwan Bank open foreign currency accounts, starting from 10,000 Yen, with 1.5-1.8% annual interest
2. Yen insurance policy: medium-term holding, Cathay/Fubon savings insurance, guaranteed 2-3% interest
3. Yen ETFs: growth-oriented, e.g., Yuanta 00675U tracking Yen index, buy fractional shares via broker app, suitable for dollar-cost averaging
4. Forex trading: directly trade USD/JPY or EUR/JPY, long/short, 24-hour trading, small capital needed but higher risk

Quick FAQ

Q. What’s the difference between cash rate and spot rate?

Cash rate is for physical cash transactions, banks bear higher risk, so the rate is usually 1-2% worse than the spot rate. Spot rate is used for electronic transfers, T+2 settlement, close to international market price, more favorable. Simply put, cash transactions are more expensive, electronic are cheaper.

Q. What should I bring to exchange 100,000 Yen?

For counter cash exchange, bring ID and passport for locals; for foreigners, passport and residence permit. For online booking, also bring transaction notice. Large amounts (over 100,000 NT$) may require source declaration. Minors under 20 need parental accompaniment.

Q. What’s the daily withdrawal limit at foreign currency ATMs?

After the 2025 update, many banks have adjusted limits. CTBC Bank’s card limit is equivalent to NT$120,000; Taishin Bank’s is NT$150,000; E.SUN Bank’s own card limit is NT$150,000 per day. It’s recommended to split withdrawals or use your own bank card to avoid cross-bank fees.

Summary

Yen is no longer just “pocket money” for travel; it’s an asset with hedging and investment value. When exchanging Yen, the key is choosing the right channel—if you have time, use online settlement and airport pickup; for urgent needs, rely on foreign currency ATMs; for small investments, do batch online exchanges. The amount of 100,000 Yen in NT$ depends not only on the rate but also on your method, with differences up to 400 NT$.

Follow the two principles of “batch exchange + don’t leave the money idle after exchange,” to minimize costs and channel Yen into fixed deposits, ETFs, or swing trading, achieving multiple value increases. Whether traveling abroad or hedging in the market, Yen can be a smart asset allocation choice.