Opening a Bank Account in Japan

A practical guide to banks, documents, and what new foreign residents can realistically expect.

A Japanese bank account is useful for salary payments, rent, utilities, and everyday money management.

Banks that are often easier for new arrivals

• Japan Post Bank
• Rakuten Bank

Banks that may be harder at first

Large traditional banks sometimes want stronger proof of residence history.

Common documents

• Residence card
• Passport
• Registered address
• Phone number
• Sometimes My Number

Things to know

• Checks are not part of normal personal banking in Japan
• Bank transfers are common
• ATM fees may apply at night or on weekends