Bit of a thread revival, but you might still find this helpful.
I too use Lloyds, their servics is called "Go Lloyds", and you can get daily rates sent to your email, so you can pick a good time to send.
While the fee is only a flat 2000 yen, they also hit you again for another $15 depending on what Aussie bank you have.
As for domestic banks, I've got an account with Shinsei Bank, which is really good.
Online banking in English, and withdrawals from most bank's ATMs are free.
I'm not sure where you are, but Shinsei is only in the Kanto area.