How to Open a Japanese Bank Account as a Foreigner

To open a bank account in Japan, you must have a residence card (Zairyu Card) and a Japanese phone number. Most major banks, like MUFG or SMBC, require you to have lived in Japan for at least six months, so start with Japan Post Bank (Yucho) which is more accessible to new arrivals.

1. Check your residency requirements. You cannot open a bank account on a tourist visa. You must have a valid residence card with at least six months remaining on your visa status to be accepted by most branches.
2. Get a local phone number. You need a functional Japanese mobile number to complete the application. You cannot use a home country number or a data-only SIM.
3. Prepare your documentation. Bring your Residence Card, your passport, your registered personal seal (hanko)—though some banks accept signatures—and your employee ID or student ID card.
4. Visit the branch. Go to a branch located in the ward where you live or work. Fill out the application form (furikomi forms) and be prepared to answer questions about your source of income.
5. Wait for your bank book. Most banks issue a passbook (tsucho) immediately or within two weeks. Your ATM card will arrive via registered mail to your registered address in 10-14 days.

Can I open an account online?

Some banks like Sony Bank or Rakuten Bank allow online applications, but they require a high level of Japanese proficiency and are strict about residency requirements.

Do I really need a hanko (seal)?

Many banks now allow you to use a signature, but having a hanko makes the process significantly faster and is standard practice for Japanese banking.

Which bank is easiest for foreigners?

Japan Post Bank (Yucho) is the most foreigner-friendly because they have branches everywhere and are accustomed to processing applications for new arrivals.