Because the foreign exchange transactions of Japanese banks are synchronized with those of the world. There is no favorable choice for the price of the banking system. As a Japanese bank, it has high expectations for foreign exchange services, which is no different from ordinary customers. Unless it's a big money customer. There will be a 4% discount for Japanese yen. However, since Japan allows private foreign exchange companies, there are generally such shops near large subway stations or financial streets and large commodity stores. The preferential ratio is higher. You can compare the foreign exchange transaction fees of the online banking system with those of these stores, and then choose a satisfactory object to exchange.