Opening a Bank Account in Japan

Learn what documents are commonly required, which banks are easier for newcomers, and what to expect when opening an account.

A Japanese bank account is an important part of daily life because it is often needed for receiving salary, paying rent, and setting up utility payments.

Banks that are often easier for newcomers

Japan Post Bank

• Available through post offices across the country
• Often easier for newer residents than some major banks
• Counter service is usually weekday only

Online banks

• Some online banks have more flexible procedures and app-based service
• They may be easier if you are comfortable with online setup

Major city banks

• Some large banks may ask for proof that you have lived in Japan for at least six months
• They are sometimes harder as a first bank for newcomers

Documents often required

• Residence card
• Passport
• Proof of address, or a residence card with the registered address on it
• Japanese phone number in some cases
• My Number in some cases

Typical flow

1. Visit a branch or apply online, depending on the bank

2. Fill out the forms and submit documents

3. Wait for approval

4. Receive a cash card by mail in many cases

Practical banking points in Japan

• Checks are not used in everyday life; bank transfers are much more common
• ATM fees may apply at night or on weekends
• Online banking is very useful and worth setting up early
• For overseas transfers, many people use services such as Wise because fees can be lower