A Practical Guide for Foreign Residents
Who Can Open a Bank Account in Japan
You must meet certain requirements to open a personal bank account in Japan:
- You must be a resident with a valid Residence Card (在留カード) — tourists and short-term visitors cannot open a standard account.
- You must have a registered address in Japan. Banks require proof of residency such as a resident certificate (jūminhyō).
- Many banks require that you have lived in Japan for at least several months; however, practices vary by bank (some allow accounts earlier, especially Japan Post Bank).
- You usually need a Japanese phone number for identity verification.
Important: Each financial institution ultimately sets its own criteria, so check with the specific bank you plan to use.
Documents You Typically Need
Although requirements vary slightly by bank, most Japanese banks will ask for the following:
Identity and Residency:
- Valid Residence Card (在留カード)
- Passport
- Proof of current address (resident registration / jūminhyō or utility bill)
Contact Information:
- Japanese phone number (often required for verification)
Signature or Seal:
- A signature is usually sufficient
- Some banks may ask for a personal seal (inkan), but a signature is increasingly acceptable.
Optional but Helpful:
- My Number Card or proof of My Number may be requested for easier processing.
How to Open the Account
In-Branch Application (Common Method)
- Visit the local branch of your chosen bank.
- Bring all required documents.
- Fill out the application form at the counter.
- Bank staff will verify your identity and documents.
- Your cash card and passbook may be issued on the spot or mailed later.
Note: Major banks like Mitsubishi UFJ often require in-person applications and may not accept online applications for account opening.
Online or App Application (If Supported)
Some banks, such as Japan Post Bank, allow online or app-based applications with English support.
- You upload your documents electronically.
- After review, your card may be mailed to your address.
Examples of Banks and Their Practices
- Japan Post Bank (Yūcho)
- Often allows accounts with shorter residency (>3 months).
- Offers online and app applications with multiple language options.
- Mizuho Bank
- May allow accounts if you have proof of employment or a longer residency.
- Major Private Banks (SMBC, MUFG, etc.)
- Typically require longer residency and in-person applications; practices vary.
- Online Banks (Rakuten, Sony Bank, SBI Shinsei, Seven Bank)
- Often offer easier processes with online applications and English support.
When You Will Receive Your Passbook and Cash Card
- If opening in branch: you often receive the passbook immediately and the cash card soon after.
- If opening online/app: the cash card is usually mailed to your registered address within days to a couple of weeks.
Common Things to Know
- Most banks operate weekdays only, 9 a.m.–3 p.m. for in-branch services.
- Some branches may have limited English support; bringing someone who can help translate can be useful.
- Fees, ATM access, and services vary by bank. Online and digital banks often have lower fees.
Summary Checklist (Simple)
Before going to the bank, make sure you have:
- Residence Card (valid, with your current address)
- Passport
- Proof of address (jūminhyō or utility bill)
- Japanese phone number
- Signature or seal (optional)
- My Number Card (recommended)
- Bank application form completed (if available online)
Disclaimer
This article is provided for general informational purposes only and does not constitute legal, tax, financial, or administrative advice.
Banks in Japan may have different requirements, and procedures are subject to change. Always verify the latest account opening requirements with the specific bank or financial institution directly, and consult official sources if needed.
Last updated: 2026-02
You will also need a Japanese phone number. See our SIM card guide here.
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