How to Open a Japanese Bank Account as a Foreigner

To open a bank account in Japan, you must be a resident with a Residence Card (Zairyu Card) and a registered address. Most major banks require you to have lived in Japan for at least six months, so start with digital-first banks like Sony Bank or Shinsei (SBI Shinsei) if you are a new arrival.

1. Secure your Residency. You cannot open a bank account without a Japanese address. Register your address at your local municipal office (City Hall) to get your Residence Card updated with your home address on the back.
2. Obtain a Japanese Phone Number. Banks will not accept a foreign phone number. Purchase a local SIM card or eSim that includes a voice number before heading to the bank.
3. Create a Hanko (Personal Seal). While some banks now accept signatures, many still prefer or require a hanko. You can have one custom-made at a stamp shop (hanko-ya) or a stationery store like Don Quijote for about 1,000 yen.
4. Choose your Bank. For English-friendly service, choose Shinsei (SBI Shinsei) or Sony Bank. If you choose a megabank like MUFG, SMBC, or Mizuho, be prepared for strict requirements and potentially long waits at the branch.
5. Visit the Branch with Documents. Bring your Residence Card, My Number Card (or notification paper), your Japanese phone number, and your hanko. If you don't speak Japanese fluently, bring a friend who does, as bank staff are rarely authorized to conduct official business in English.

Can I open an account as a tourist?

No. Japanese law requires a verified address and a Zairyu card, which is only issued to long-term residents.

Do I really need a hanko?

While some digital banks allow signatures, having a hanko is still standard procedure and significantly lowers the chance of your application being rejected.

Why did the branch turn me away?

If you have been in Japan for less than six months, many major banks will deny your application. Try a digital-only bank or wait until you have established a longer residency record.