JPY to PHP Exchange Rate Trends of 2025

Understanding the Japanese yen (JPY) to Philippine peso (PHP) exchange rate can make a real difference when sending money home from Japan. Even small changes in the rate can affect how much your family receives. Check today’s live JPY to PHP rate on our exchange rate page to send smarter and save more. 

2025 exchange rate recap

In 2025, the JPY to PHP exchange rate has been relatively stable but slightly lower compared with earlier in the year. In April 2025, the yen traded for as high as 0.4023 PHP per 1 JPY, with a monthly average of 0.3939 PHP. By November, the rate had softened, with a monthly high of 0.3861 PHP per 1 JPY and an average of 0.3794 PHP. 

While movements might seem small, they add up for larger remittances. For example, sending 100,000 JPY when the rate was 0.3939 would give about 39,390 PHP, but at 0.3794 that would only be 37,940 PHP, a difference of 1,450 PHP over time. 

What influences the JPY to PHP exchange rate?

Japanese interest rate policy

The Bank of Japan’s (BOJ) interest rate decisions strongly influence the yen’s strength. In 2025, markets have been watching possible rate hikes as inflation and monetary policy evolve, which can push the yen higher or lower. 

Photo credit: Japan Times

Philippine economic factors

The Banko Sentral ng Pilipinas or Philippine Central Bank has been adjusting its policy stance to support growth and inflation. Changes in rates and economic performance affect how the peso trades against the yen.

Photo credit: Realty Network

Global currency movements

Global economic conditions such as interest rate differences between Japan, the U.S., and other major economies can push the yen up or down, indirectly affecting the JPY/PHP cross rate. 

Tips for sending money back home

Whether you are sending money monthly or occasionally, smart timing and tools can help you maximize savings: 

• Check live rates before sending, knowing the latest JPY to PHP trend can help you decide the best day to transfer, 
• Time your transfer when possible, rates change  daily so if the yen is stronger, your loved ones receive more. 
• Use Smiles Mobile Remittance, enjoy everyday great rates, low fees, and a reward points system that helps you save more with every transfer. 

Every remittance represents love, sacrifice, and the effort you make every day for your family. At Smiles, we believe your hard-earned money deserves to go further, helping you support your loved ones with confidence and peace of mind.