Opening a Bank Account in Japan as a Foreigner: Step-by-Step Guide

Having a Japanese bank account is essential for daily life in Japan.
You'll need it for receiving your salary, paying rent and utilities, and making everyday purchases.
While the process can seem daunting at first, this step-by-step guide will help you navigate it with confidence.

Who Can Open a Bank Account in Japan?

Foreign nationals with a valid residence card (在留カード) can open bank accounts in Japan.
Most banks require that you have lived in Japan for at least 6 months, though some institutions are more flexible.
You must have a registered address (住民票) in Japan at the time of application.

Required Documents

Regardless of which bank you choose, you will generally need the following:
Your residence card (在留カード) — must be valid and not expired.
Your passport.
My Number card (マイナンバーカード) or My Number notification letter.
A Japanese mobile phone number — required by most banks for verification.
Your Japanese address as registered at the ward or city office.
Some banks may also ask for proof of employment or school enrollment.

Major Bank Options

Japan Post Bank (ゆうちょ銀行)

Japan Post Bank is widely regarded as the most foreigner-friendly bank in Japan.
It has no minimum deposit requirement and relatively lenient requirements for new residents.
Accounts can be opened at any post office (郵便局) or Japan Post Bank branch.
The JP Bank debit card is widely accepted and linked to the postal ATM network nationwide.
Online banking is available in English through the Yucho Direct service.

MUFG (三菱UFJ銀行)

Mitsubishi UFJ Financial Group is Japan's largest bank.
MUFG requires at least 6 months of residence before opening an account.
English-language support is available at major branches in urban areas.
MUFG offers internet banking and an English-language mobile app.

Mizuho Bank (みずほ銀行)

Mizuho Bank has dedicated foreign customer support at select branches.
The bank accepts applications from residents with a valid residence card.
Mizuho's ATMs are widespread across major cities and convenience stores.

SBI Shinsei Bank (新生銀行)

SBI Shinsei Bank is known for its foreign-friendly policies.
It offers English-language internet banking and customer support.
No physical branch visits are required — you can apply online with a residence card.
This makes it particularly popular among foreign residents in areas without major bank branches.

Convenient Options for New Arrivals

Sony Bank

Sony Bank offers online account opening with English-language support.
Its multi-currency account allows you to hold and convert foreign currencies at competitive rates.
Excellent for foreign residents who receive or send international wire transfers.

Wise

While not a traditional bank, Wise provides a Japanese bank account number for receiving salary.
It allows free or low-cost international transfers to home countries.
Widely used among foreign workers for splitting money between Japan and abroad.

The Account Opening Process

Step 1: Gather all required documents listed above.
Step 2: Visit the bank branch in person (or apply online for banks that support it).
Step 3: Fill out the application form — ask for an English version if available.
Step 4: Submit your documents and wait for verification, which may take 1–2 weeks.
Step 5: Receive your bank card and passbook by mail.
Step 6: Set up online banking using the credentials sent to you.

After Opening Your Account

Link your account to your employer's payroll system to receive your salary.
Set up automatic payment (口座振替) for rent, utilities, and phone bills.
Download your bank's mobile app for convenient account management on the go.
Consider applying for a credit card through your bank — a Japanese bank account makes approval smoother.
Register for internet banking immediately to monitor transactions and transfer funds easily.

Tips for a Smooth Experience

Bring all documents in originals — photocopies are generally not accepted.
Visit the bank on a weekday morning when staff have more time to assist you.
Use Google Translate or a translation app to help communicate with branch staff.
If rejected due to insufficient residence period, try Japan Post Bank first as it is most accommodating.
Some ward offices and international centers offer banking support services for foreigners — check locally.

Conclusion

Opening a bank account in Japan is a key step in establishing your life as a resident.
Japan Post Bank or SBI Shinsei Bank are excellent starting points for newly arrived foreigners.
With the right documents and a little patience, you'll have your account up and running quickly.
A Japanese bank account is the financial foundation that makes everything else — from paying rent to building credit history — possible.