International conversation USD/JPY

Hello,

I am living in Japan, make USD, and pay bills in JPY.

What is the easiest way to get cash from an ATM or send money to my japanese wife?

I want to find an app to send money as cheap as possible.

Going to the ATM is expensive. I deduct 100,000 every month for bills and it cost about 5,000 in fees plus the conversation rate is never real time.

What do you use?

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