How to open a bank account in Japan is one of the first steps you’ll need to take when settling into life here. A bank account is essential for receiving your salary, paying rent, and setting up automatic payments for utilities. However, the process can feel confusing, as it often differs from what you may be used to in your home country—for example, some banks may require a personal seal (inkan) instead of a signature.
In this article, Certified Financial Planner® Lili Katoh provides a clear and practical guide on how to open a bank account in Japan, covering the basics you need to know as well as important points to keep in mind.
Who This Article Is For
This guide is intended for foreigners living, working, or studying in Japan who:
Need to open a Japanese bank account for daily life, salary deposits, or bill payments.
Are unsure about the documents and procedures required to open an account.
Want practical advice on choosing the right bank, including ATM fees, online banking, and multilingual support.
Are looking for tips from financial professionals to safely manage accounts while living in Japan.
Table of Contents
About the Supervisor & Writer
Lili Katoh
Certified Financial Planner®
Founder of Money Step Office Inc.
Lili Katoh specializes in insurance, life planning, and asset management. She is a Health Management Expert Advisor and author of “Setai Nenshū 1000 Man En” and “Gattsuri Tamaru Chokin Recipe”. Born in California, USA, she brings international insight to Japanese financial planning.
Chapter 1: Can Foreigners Open a Bank Account in Japan?
Yes, foreigners can open a bank account in Japan, provided they meet certain requirements. In most cases, you must have a registered address in Japan and hold a valid residence card. Generally, international students, foreign employees working for a Japanese company (excluding part-time or temporary workers), and permanent residents are eligible to open an account. Even if you have just arrived in Japan, it is usually possible to open a bank account if you are employed full-time by a Japanese company.
However, some banks may set additional conditions, such as requiring you to have lived in Japan for at least six months or having more than three months remaining on your residence status. For this reason, those staying in Japan on a short-term visa of 90 days or less—such as tourists or individuals visiting relatives—are usually not able to open a bank account.
It is important to note that specific requirements may vary depending on the bank. If you do not meet the conditions or if your residence status is close to expiring, you may be unable to open an account, or certain transactions might be restricted. To avoid issues, always check directly with the bank before applying.
| English | Kanji | Romaji |
|---|---|---|
|
Bank Account |
銀行口座 |
ginkō kōza |
Chapter 2: Documents Required to Open a Bank Account in Japan
When learning how to open a bank account in Japan, it is essential to prepare the necessary documents in advance. The most important requirement is an official identification document. For most banks, a Residence Card (在留カード / zairyū kādo) is mandatory, as it confirms both your visa status and period of stay. For official guidance on documents required for foreign residents, refer to the Financial Services Agency (FSA) Living in Japan guide.
In some cases, other forms of government-issued identification such as a My Number Card or a Japanese driver’s license may also be accepted. If you provide an ID with a photo, the number of additional documents required is usually minimized. However, if your ID does not include a photo, banks may request supplementary documents, such as a health insurance card or a certificate of residence (住民票 / jūminhyō).
For individuals with a residence status such as “Student” (留学) or “Technical Intern Training” (技能実習), additional proof such as a student ID, employee ID, or certificate of employment may be required. In these cases, banks may even contact your school or employer to confirm enrollment or employment.
When considering how to open a bank account in Japan, it is important to note that the required documents may vary depending on the method you choose. If you open an account at a bank branch, the types and number of documents needed may differ from those required when applying online or through a mobile app.
Example of Documents Required to Open a Bank Account in Japan
Residence Card
Japanese Driver’s License
My Number Card
Passport
Health Insurance Card
Special Permanent Resident Certificate
(For those with “Student” or “Technical Intern Training” residence status) Student ID or Employee ID
… and others
Please note: This is only an example. The exact documents and the number of items required may vary depending on the bank. Always check directly with the bank for the most up-to-date requirements.
Prepared by the author
In the past, it was customary for Japanese banks to require a personal seal (inkan) when opening a bank account in Japan. However, in recent years, more banks have started allowing accounts to be opened without a seal. Some banks even offer “seal-free accounts,” where no inkan is needed for withdrawals or other transactions. In these cases, a signature can be used instead of a registered seal.
Chapter3: Types of Banks and Their Features
When learning how to open a bank account in Japan, it’s important to understand the different types of banks available. Japan has a variety of financial institutions, including major city banks with nationwide branches, regional banks and credit unions serving local communities, and online banks that primarily operate through the internet. Each type has its own advantages and disadvantages.
Mega Banks (City Banks)
Mega banks are large-scale banks with headquarters in major cities such as Tokyo and Osaka and branches across Japan. Examples include Mizuho Bank, Mitsubishi UFJ Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, and Saitama Resona Bank. In many cases, these banks are designated by large companies as the destination for salary deposits.
Advantages
Numerous branches and ATMs in major urban areas make them convenient for residents of cities.
Internet banking and smartphone app transactions are widely available, and these banks typically offer extensive services, including credit cards and loans.
Many ATMs at convenience stores allow withdrawals, transfers, and other operations.
Disadvantages
Some banks require applicants to have been in Japan for at least six months or to have a residence card valid for more than three months. For newcomers, this can make opening an account difficult.
Certain banks may allow accounts for residents under six months but restrict some transactions for “non-residents.” Even domestic transfers may be treated as international transfers, incurring fees.
Some banks require foreign nationals to apply in person rather than online, and a personal seal (inkan) may still be necessary for account opening.
Japan Post Bank (Yūcho Bank)
Yūcho Bank, part of the Japan Post Group, operates branches and ATMs nationwide. Most branches are located within post offices, making them accessible not only in urban areas but also in suburban regions.
Advantages
Yūcho Bank has branches and ATMs across Japan, so banking services are widely accessible.
Foreign residents with a visa validity of three months or longer can open an account immediately after arriving in Japan.
Accounts can be opened both at branches and via the smartphone app, with multilingual support available. The account opening call center provides assistance in English, Chinese, Korean, Vietnamese, Indonesian, Nepali, and Burmese.
ATMs at convenience stores support withdrawals, and many ATMs offer 16-language interfaces. Even foreign-issued bank cards can be used to withdraw cash, making it easier for those unfamiliar with Japanese banking.
Source: Japan Post Bank – Official Site
Disadvantages
Accounts opened as a “non-resident” within six months of entering Japan may face some transaction restrictions.
Non-resident accounts may treat domestic transfers as international remittances, which can incur fees.
Online Banks in Japan
Online banks in Japan operate without physical branches, allowing account opening and transactions entirely over the internet. Popular examples include Rakuten Bank, SBI Sumishin Net Bank, and PayPay Bank.
Advantages
Accounts can be accessed and managed 24/7 online, providing maximum convenience.
Lower operating costs compared to traditional banks often result in higher interest rates on deposits and lower transfer fees.
Disadvantages
- Without physical branches, cash deposits and withdrawals must be made via affiliated ATMs, such as those at convenience stores. Depending on frequency and time, transaction fees may apply.
- Lack of face-to-face consultation means users must handle procedures and decisions independently.
- Compared to major banks or Japan Post Bank, foreign language support is limited, so users need to understand Japanese financial information.
Regional Banks and Credit Unions in Japan
Regional banks and credit unions in Japan are rooted in specific prefectures or local communities. They maintain strong ties with local businesses and municipalities, offering a well-established network of branches and ATMs within their service areas, making them convenient for residents.
Advantages
Provide personalized, community-focused services.
Some offer campaigns with gifts or cash bonuses when opening accounts, or savings accounts with lottery-style rewards.
Certain accounts specialized for online transactions may offer higher interest rates.
Disadvantages
- Service areas are limited, so moving outside the region may reduce access to branches or ATMs.
- Compared to megabanks, foreign language support is limited, and there may be few staff available to assist foreign customers.
Chapter 4: Steps to Open a Bank Account in Japan
Opening a bank account in Japan generally follows these steps:
1. Choose a Bank
Select a bank that suits your needs. Consider factors such as:
Location of branches and ATMs near your home or workplace
Availability of foreign language support
Whether your residency status meets the bank’s account opening requirements
2. Prepare the Required Documents
Gather the necessary identification documents, such as your Residence Card.
The exact documents may vary depending on your residency status and whether you apply at a branch, online, or through a mobile app. Always confirm in advance to avoid delays.
3. Submit Your Application
Apply for account opening through the bank’s designated method—at a branch, online, or via smartphone app.
Some banks provide application forms in English, Chinese, and other languages, making the process easier for foreign residents.
Important: Only provide your documents to official bank staff. Never share your PIN codes or passwords via email or phone. For official guidance on banking procedures for foreign residents, see the Financial Services Agency (FSA) Living in Japan guide.
4. Screening and Account Approval
The bank will review your application. For standard savings accounts, the process mainly involves identity verification and a residency status check. Approval typically takes a few days to about one week.
5. Receive Your Cash Card and Passbook
Once approved, you will receive a cash card and, if requested, a passbook.
Online banks generally do not issue passbooks, providing digital statements instead.
Megabanks and Japan Post Bank still issue passbooks if you request one.
If you apply at a branch, the review may be faster. However, in many cases, the cash card or passbook will not be handed out immediately but instead delivered later by mail.
When delivered via restricted delivery, you will need to present identification such as your passport to receive it.
Chapter5: Important Things to Know When Opening a Bank Account in Japan
When opening a savings account in Japan, keep the following points in mind.
Bank counter hours
By law, Japanese bank branches are open on weekdays from 9:00 a.m. to 3:00 p.m. Some banks have customer service counters open in the evenings or on weekends, but these are usually for consultations only. New account openings are generally limited to weekday business hours.
Name in Roman letters
The account holder’s name must be written in Roman letters (romaji). Make sure it matches your passport or residence card exactly. Even small differences—such as including or omitting a middle name—can cause problems later, especially when receiving overseas remittances. If the names don’t match, funds may be delayed or rejected.
ATM fees and after-hours charges
ATM fees in Japan vary depending on the time and day.
At many banks, withdrawals from your bank’s ATMs are free during weekday daytime hours.
Using ATMs at night, early in the morning, or on weekends/holidays often incurs a fee of around ¥110.
Using another bank’s ATM or a convenience store ATM typically costs ¥110–¥220 per transaction, depending on the service.
Some banks waive ATM fees up to a set number of times per month, depending on your account balance or usage. Always check the bank’s official fee schedule for details.
Transfer and remittance fees
Sending money within Japan usually involves a transfer fee.
Transfers to the same bank may be free.
Transfers to other domestic banks usually cost a few hundred yen per transaction.
International remittance fees are significantly higher.
Most banks charge around ¥3,000 per overseas transfer, plus possible additional fees from intermediary or receiving banks.
Accepted currencies and available destination countries vary by financial institution.
If you plan to send money abroad during your stay in Japan, review the overseas remittance services of the bank before choosing where to open your account.
Chapter6: FAQ: How to open a bank account in Japan
Q: Can I open a bank account in Japan with a tourist visa (short-term stay)?
A: Generally, no.
Tourists and other short-term residents cannot open a bank account in Japan because they are not issued a residence card or resident record (jūminhyō), both of which are required by banks.
Q: Can I open a bank account in Japan if I don’t speak Japanese?
A: In many cases, yes. If you’re figuring out how to open a bank account in Japan without Japanese, look for banks with multilingual support. Japan Post Bank offers an account-opening app in English, Chinese, and Vietnamese, and its call center supports additional languages:
Japan Post Bank – Official Site
The Japanese Bankers Association also lists multilingual resources and guidance for foreign customers.
Q: Is it possible to live in Japan using only an online bank account?
A: Yes. For many people exploring how to open a bank account in Japan online, net banks provide 24/7 account opening, transfers, and payments. Daily life functions like salary deposits, debit cards, and mobile payments are usually available. The main limitation is cash deposits, which must be made via partner ATMs or by transferring from another bank.
Note: Requirements and services differ by institution and can change. Always confirm the latest details on each bank’s official website.
Chapter7: Advice from a Financial Professional
Japan has various types of banks, including major banks, Japan Post Bank, online banks, and regional banks. Each has its own features and convenience, so consider factors such as ATM fees and international transfer services when choosing where to open an account.
When returning to your home country, be sure to close any accounts you no longer use. Leaving an unused account open can create risks such as fraudulent activity or misuse, which may make it harder to open a new account if you return to Japan in the future. Although it can be busy before leaving, don’t forget to organize your bank accounts as part of your departure preparations.
Chapter8: Summary
When living in Japan, you can usually open a bank account if you have proper identification, such as a residence card. Many banks offer multilingual support, so even if your Japanese is limited, opening an account is generally manageable. However, requirements and necessary documents may vary depending on your visa status and the bank. It is important to check these details in advance to ensure a smooth process. Understanding how to open a bank account in Japan beforehand will help you avoid delays and make daily life more convenient.
* This article is provided for general informational purposes only and does not constitute individual financial, tax, or legal advice. While reviewed and supervised by a certified financial professional, readers are encouraged to consult their own financial advisor before making any investment decisions. Belonging JAPAN is not affiliated with or endorsed by any financial institution mentioned. Information such as fees and regulations is accurate as of August, 2025 and may change; readers should verify details with official sources.
