How to Open a Bank Account in Japan as a Foreigner: Step-by-Step Guide

Why You Need a Japanese Bank Account

Having a local bank account is essential for daily life in Japan. You need it to:

• Receive your salary or stipend
• Pay rent by automatic bank transfer (口座振替)
• Set up utility payments
• Use Japanese online shopping and services

Which Banks Accept Foreign Residents

Major Options for Foreigners

For most new arrivals, Japan Post Bank or Seven Bank is the easiest starting point.

Documents Required

The requirements vary by bank, but typically you will need:

1. Residence Card (在留カード) — mandatory
2. My Number Card — increasingly required
3. Passport — sometimes required
4. Phone number — Japanese number preferred
5. Stamp (印鑑/はんこ) — some banks still require this

Minimum Stay Requirements

Most banks require you to have been in Japan for at least 6 months before opening an account. However:

• Japan Post Bank: Opens after 6 months
• Seven Bank: May open sooner, no strict rule
• Sony Bank / Shinsei: Online application possible sooner

Step-by-Step: Opening an Account

At a Branch (Japan Post Bank)

1. Bring your residence card and My Number card
2. Fill out the application form (口座開設申込書)
3. Choose a 4-digit PIN for your cash card
4. Your cash card (キャッシュカード) arrives by mail in 1–2 weeks

Online (Sony Bank / Rakuten Bank)

1. Download the app or go to the website
2. Upload photos of your residence card and passport
3. Complete video verification or mail-in verification
4. Account activated within a few days

Using ATMs in Japan

• 7-Eleven ATMs (セブン銀行): Available 24/7, English menus, accept foreign cards
• Japan Post ATMs: Widespread, multiple language options
• Convenience store ATMs: Small fees (¥110–¥220) on weekdays, higher on nights/weekends

Sending Money Abroad

Popular options for international transfers:

• Wise (formerly TransferWise): Low fees, fast transfers
• Japan Post international transfers: Available at post offices
• SBI Remit: Popular for transfers to Southeast Asia

Tips for Foreign Residents

• Set up 口座振替 (automatic payment) for rent and utilities as soon as possible
• Keep your 通帳 (bank passbook) or use the smartphone app to track transactions
• Register your address with the bank if you move

Having a Japanese bank account makes everything from paying rent to receiving your salary much smoother.