CONTENTS
Two stages: EC Navi → PeX → destination
EC Navi points are first moved to PeX (a point exchange service), and you then exchange them at PeX for a bank deposit, e-money, gift cards and more. These are two separate procedures, each with its own minimum, fee and timing.
EC Navi balance → PeX balance → bank account, e-money, gift card, etc.
| Stage 1: EC Navi → PeX | Stage 2: PeX → destination | |
|---|---|---|
| Where you act | EC Navi exchange page | PeX exchange page |
| Minimum | 3,000 pts | Depends on the destination |
| Fee | Free | Free up to 4,000 P, depending on the destination |
| Timing | Real time | Real time to around the 25th of the next month |
Stage 1: EC Navi to PeX
| Item | Details |
|---|---|
| Rate | 1 EC Navi pt = 1 PeX point (3,000 pts → 3,000 P) |
| Fee | Free |
| Exchange unit | 1,000 pts |
| Minimum | 3,000 pts (equivalent to ¥300) |
| Maximum | 1,000,000 pts |
| Timing | Real time (the official help says same-day completion) |
Sources (Japanese): Exchangeable points / Fee to PeX / Timing at PeX
Because the unit is 1,000 pts, any remainder stays in PeX. For example, if a bank needs 5,500 P to receive ¥500, you move 6,000 pts and the other 500 P stays at PeX. Work backwards from the destination’s requirement.
Stage 2: PeX to your destination
Points moved to PeX are exchanged from PeX’s official destination list (Japanese). At PeX the basic value is 10 P = ¥1, shown as “5,000 P → ¥500”. The tables below reflect the PeX exchange pages checked on 6 November 2026. Campaigns and availability change.
Your first exchange requires a profile setting for identity verification. The PeX bank pages said a profile setting is requested before the first exchange, and that it can take up to 2 hours before an application becomes possible. The bank-transfer and Rakuten Bank pages also showed a security notice that an application takes about 7 days to complete.
“Yield” in the tables is calculated from the displayed rate (amount received ÷ points used) and excludes fees. Always read it together with the fee column. Screenshots are examples; conditions change.
Which destination for which purpose
| You want | Candidates | What to check |
|---|---|---|
| Cash (bank account) | Rakuten Bank, Japan Post Bank, Mizuho Bank, PayPay Bank, docomo SMTB Net Bank, other banks by transfer | Fee (500–2,000 P) and days to arrival |
| Everyday payments / points | d POINT, Rakuten Points, V POINT, Ponta, WAON POINT, nanaco and others | Whether a fee applies, and the yield (9.0–10.0%) |
| Shopping / gifts | Amazon, Google Play, Apple, V Preca and others | Yield and where you can actually use the card |
| Travel | Miles: ANA, JAL, STARFLYER | Fewer miles per point than other destinations |
| Cryptocurrency | Bitcoin (bitFlyer) | Availability (an exchange-maintenance notice was displayed) |
Compare four conditions on the same basis: minimum, fee, rate and timing. The EC Navi minimum (3,000 pts) is separate from PeX’s, and a free EC Navi → PeX step does not mean the next step is free.
Bank and cash (comparison table)
There are many banks, so compare them in a table first. Every bank uses the same rate of 5,000 P → ¥500, a unit of 500 P and a maximum of 1,000,000 P. The differences are the fee and the arrival date. These are destinations for Japanese bank accounts; this guide does not establish overseas transfers.
| Destination | PeX fee | PeX needed to receive ¥500 | EC Navi pts needed (approx.) | Arrival |
|---|---|---|---|---|
| Rakuten Bank | 500 P (about ¥50) | 5,500 P | 6,000 pts | About 7 days |
| Japan Post Bank (Yucho) | 500 P (about ¥50) | 5,500 P | 6,000 pts | Around the 25th of the next month |
| Mizuho Bank | 500 P (about ¥50) | 5,500 P | 6,000 pts | Around the 25th of the next month |
| PayPay Bank | 1,000 P (about ¥100) | 6,000 P | 6,000 pts | Around the 25th of the next month |
| docomo SMTB Net Bank | 500 P (about ¥50) | 5,500 P | 6,000 pts | Around the 25th of the next month |
| Bank transfer (other banks) | 2,000 P (about ¥200) | 7,000 P | 7,000 pts | About 7 days |
The fee is deducted in PeX points and the minimum is “5,000 P + fee”. “EC Navi pts needed” assumes you start with a zero PeX balance and move points in units of 1,000. The PeX page may show a way to get fees refunded through an entry-based campaign; check the conditions each time.
Bank exchange pages (examples)
Enter the account in your own name. Check account details on your own screen; do not guess them.
E-money and points
For everyday spending, many e-money and point destinations are free and yield almost 10%. Some carry large fees, such as Rakuten Points (4,000 P) and Rakuten Edy (1,000 P).
| Destination | Rate | Fee | Yield (approx.) | Arrival |
|---|---|---|---|---|
| d POINT | 100 P → 10 points | Free | 10.0% | About 7 days |
| PayPay (via Digico) | 5,000 P → ¥460 value | Free | 9.2% | About 7 days |
| Rakuten Points | 1,000 P → 100 points | 4,000 PeX points | 10.0% | About 7 days |
| DMM.com points | 5,000 P → 500 points | Free | 10.0% | About 7 days |
| Ponta | 1,050 P → 100 P | Free | 9.5% | About 7 days |
| Rakuten Edy | 1,000 P → ¥100 value | 1,000 PeX points | 10.0% | About 7 days |
| V POINT | 1,010 P → 100 points | Free | 9.9% | About 7 days |
| Chocom Point | 1,000 P → 100 P | 500 PeX points | 10.0% | Early next month |
| nimoca | 1,000 P → 100 P | Free | 10.0% | Around the 15th of the next month |
| Recruit Points | 1,000 P → 100 P | 500 PeX points | 10.0% | About 7 days |
| nanaco | 1,000 P → 100 P | 500 PeX points | 10.0% | About 8 days |
| WAON POINT | 1,000 P → 90 points | Free | 9.0% | About 7 days |
| BitCash | 5,000 P → ¥500 value | Free | 10.0% | About 7 days |
Yield is amount received ÷ points used and excludes fees. The Rakuten Points fee of 4,000 P is recorded as displayed on the screen.
Gift cards and shopping
| Destination | Rate | Fee | Yield (approx.) | Arrival |
|---|---|---|---|---|
| Amazon | 980 P → ¥100 value | Free | 10.2% | About 7 days |
| cecile | 1,000 P → 100 P | Free | 10.0% | 1–2 weeks |
| Belle Maison | 1,000 P → 100 P | 500 PeX points | 10.0% | About 7 days |
| YAMADA | 1,000 P → 100 P | Free | 10.0% | Early next month |
| V Preca | 4,900 P → ¥500 value | Free | 10.2% | About 7 days |
| nissen | 5,000 P → ¥550 value | Free | 11.0% | Applied on days 1–15: within that month; days 16–end of month: early next month |
| Google Play | 990 P → ¥100 value | Free | 10.1% | About 10 days |
| Apple | 5,000 P → ¥500 value | Free | 10.0% | About 7 days |
Amazon, V Preca and Google Play show a yield slightly above 10%. nissen shows 11.0% but starts at 5,000 P. Choose gift cards only when you already know where you will use them.
Airline miles
| Destination | Rate | Fee | Received per 100 P | Arrival |
|---|---|---|---|---|
| ANA Mileage Club | 1,000 P → 30 miles | Free | 3 miles | About 7 days |
| JAL Mileage Bank | 4,000 P → 100 miles | Free | 2.5 miles | Mid next month |
| STARFLYER | 2,000 P → 100 miles | 500 PeX points | 5 miles | Month after application, within about a week |
| ANA SKY Coin | 1,000 P → 100 coins | 500 PeX points | 10 coins | About 7 days |
Miles yield less than banks or e-money (ANA 1,000 P → 30 miles; JAL 4,000 P → 100 miles). STARFLYER and ANA SKY Coin carry a 500 P fee.
Cryptocurrency (Bitcoin)
| Item | Details |
|---|---|
| Rate | 5,000 P → market rate |
| Fee | Free |
| Unit | 1,000 P |
| Minimum / maximum | 5,000 P / 1,000,000 P |
| Timing | Real time |
On 6 November 2026 the page showed “exchange under maintenance”. It stated that applications are suspended for system maintenance from 17:45 on 8 October 2026 to 23:59 on 31 March 2027 (JST). Exchange to a bitFlyer “Wallet Class” account is not possible, and the rate is the market rate when you submit.
If an exchange fails or does not arrive
- No verification code: check your registered email and mail settings, then see EC Navi’s official verification help.
- EC Navi balance too low: check your exchangeable balance and the 1,000 pts unit.
- Nothing at PeX: confirm the EC Navi application was completed and that you are viewing your own PeX account.
- At PeX but not at the destination: check the PeX application status, scheduled date and any required action. Some banks take longer.
Note the date and time, points exchanged and any error shown, then contact the official support for the stage where the problem occurred. Never share passwords or verification codes.
Check expiry before exchanging
EC Navi points expire by the period in which they were earned. Check the expiry page for balances nearing their date, and check PeX’s own expiry separately after moving points.
Source: Point expiry (Japanese)
FAQ
Can I exchange EC Navi points directly to a bank or e-money?
This guide covers the route of moving EC Navi points to PeX and choosing a destination there. Destinations shown on EC Navi’s own exchange page can change, so check the live screen.
Which bank is best?
The rate is the same (5,000 P → ¥500), so compare the fee and the arrival date. In the table, Rakuten Bank, Japan Post Bank, Mizuho Bank and docomo SMTB Net Bank charge 500 P, PayPay Bank 1,000 P and other banks by transfer 2,000 P.
Is a free destination always the best?
Consider the yield and whether you will use it. A free destination you will not use is not a good fit.
What happens to the remainder left at PeX?
EC Navi → PeX moves 1,000 pts at a time, so a remainder stays at PeX. Check PeX’s expiry separately and use it in a later exchange.
Sources and check date
Checked: (EC Navi and PeX exchange pages; help articles checked on 21 October 2026).
- EC Navi: exchangeable points (Japanese)
- EC Navi: fee to PeX (Japanese)
- EC Navi: timing at PeX (Japanese)
- EC Navi: how to exchange to PeX (Japanese)
- EC Navi: point expiry (Japanese)
- PeX: destination list (Japanese)
This page organises official information and exchange pages checked by the operator. Campaigns, fees and availability change, so confirm on the live official screen before applying. A step-by-step procedure is not included for now. Official services and support are Japanese-language; this guide does not guarantee foreign-language support.