Opening a Japanese Bank Account - A Quick Guide

Opening a Bank Account in Japan - A Comprehensive Guide for Visitors and Residents

Opening a Japanese Bank Account - A Quick Guide

Planning to visit or live in Japan? Make your financial transactions convenient with a bank account. Discover the process of opening a bank account in Japan and find the perfect bank for your needs. Choose from major banks like Mitsubishi UFJ, Sumitomo Mitsui, and Mizuho, or consider online banks like Rakuten Bank and Sony Bank with English language support.

If you are planning to visit or reside in Japan for an extended period, having a bank account can make your financial transactions much more convenient. In this informative article, we will guide you through the process of opening a bank account in Japan.

1. Choose the Right Bank

Before you start the account opening process, its essential to research and choose a bank that suits your needs. Major banks in Japan, such as Mitsubishi UFJ, Sumitomo Mitsui, and Mizuho, have branches all over the country. Additionally, some online banks like Rakuten Bank and Sony Bank are gaining popularity due to their convenience and English language support.

2. Gather Required Documents

When visiting a bank to open an account, youll need to bring certain documents. Typically, the following documents are required:

  • Passport: Bring your valid passport with the appropriate visa if you are a non-resident.
  • Residence Card: If you are a resident in Japan, youll need to provide your Residence Card.
  • Proof of Address: Bring a document that shows your current address, such as a utility bill or a residence certificate.
  • Hanko (Personal Seal): In Japan, its common to have a personal seal or hanko. If you have one, bring it along. If not, the bank will provide alternatives.

3. Visit the Bank

Once you have chosen a bank and gathered the necessary documents, its time to visit the bank branch. Its recommended to make an appointment in advance or check if they offer walk-in account opening services. English-speaking staff might be available in major branches and banks oriented towards foreigners.

4. Complete the Application Form

At the bank, you will be provided with an application form to complete. Some sections may require Japanese characters, but English options are usually available as well. If you have any difficulties understanding the form, feel free to ask the bank staff for assistance.

5. Deposit and Account Set-up

After submitting your application form, you will be asked to make an initial deposit into your account. The minimum deposit amount varies depending on the bank and account type you choose. Once the deposit is made, the bank will provide you with your account details, a cash card, and an online banking set-up, if available.

6. Start Using Your Account

Congratulations! You have successfully opened a bank account in Japan. Now you can enjoy various banking services such as withdrawing cash, making deposits, transferring money, and managing your finances conveniently.

Remember, having a Japanese bank account can be beneficial for your day-to-day transactions, rent payments, salary deposits, and more. So, why wait? Start the process and experience hassle-free financial transactions during your stay in Japan.

In Summary

  1. Choose the right bank for your needs.
  2. Gather the required documents: passport, residence card, proof of address, and hanko (if available).
  3. Visit the bank branch and make an appointment if necessary.
  4. Complete the application form with the help of bank staff.
  5. Make an initial deposit and receive your account details, cash card, and online banking set-up.
  6. Enjoy the convenience of your newly opened Japanese bank account.


Minoru Shiina