How to Open a Bank Account

When receiving money in Japan—such as a salary or student loan—you need an account with a Japanese bank.
You open a bank account either at a bank counter, online or at an ATM. You may need to make an appointment at some banks if you plan to visit a teller window. When opening an account, some banks have requirements regarding the length of your stay in Japan. Please check the home page of your chosen bank.

 

Required Documents *Requirements vary from bank to bank

～Essential Required Items～

• Residence Card (Zairyu Card)

～Items Required by Some Banks～

• Personal seal (Inkan)
• Japanese phone number
• Employee ID card or student ID card
• Identification documents such as My Number cards or driver's licenses

 

How to Open a Bank Account at a Bank Counter

• Visit a bank teller window during business hours, Monday through Friday, from 9:00 a.m. to 3:00 p.m.
• Fill out the forms and submit the required documents. You may be asked to write your name, address, and date of birth in Japanese on forms.
• Also, you'll need your 4-digit ATM card PIN, so think of it ahead of time.

 

Once the procedure is complete, a bankbook will be issued. Your ATM card will be mailed to your address later.

 

Having a bank account is useful because you can use automatic withdrawals to pay for utilities such as electricity, gas, water, cell phone bills, and internet service.