Column / 2023.04.12

How to Open a Bank Account in Japan

Having a bank account is essential for foreigners living in Japan.
You’ll need a Japanese bank account to receive your salary, pay rent and phone bills, or shop online.

However, many people may feel uncertain—"I don’t speak Japanese," "Which bank should I choose?" or "What documents do I need?"

This page clearly explains how foreigners can open a bank account in Japan and introduces user-friendly banks with English support.

Check this guide to help make your life in Japan smoother.

■Why Do You Need a Bank Account in Japan?

When living in Japan, having a bank account makes everyday life much easier. You’ll need it in many situations:

・To receive your salary
Your company will deposit your paycheck directly into your bank account.

・To pay rent or mobile phone bills
Monthly payments can be withdrawn automatically from your account.

・To use online shopping or credit cards
Some services require a bank account to issue a credit card.

・To store your money safely
Keeping cash at home is risky—it's safer to deposit your money in a bank.

As you can see, a bank account is a must for living in Japan.

■What You Need to Open a Bank Account

When a foreigner opens a bank account in Japan, several documents and pieces of information are required.
Requirements may differ depending on the bank, so always check in advance.

・Passport
This is necessary to confirm your identity as a foreign resident.

・Residence Card
This card proves that you legally reside in Japan.
Make sure your current address is correctly printed on it.

・Certificate of Residence (Juminhyo)
You can get this document at the city or ward office where you live.

・Japanese phone number
A local mobile number is required for SMS or phone contact.

・Hanko (Personal Seal)
This is used instead of a signature in Japan.
Some banks may accept a handwritten signature instead.

・Student ID or Employee ID
If your visa status is “Student” or “Technical Intern,” banks may ask to see proof of school or employment.

Prepare these documents, and choose a bank that fits your needs.

■Recommended Banks for Foreigners

Here are some banks that are foreigner-friendly and easy to use.
Many offer English support and allow you to apply online with your smartphone.

◆ Rakuten Bank

・Online bank with no physical branches.
・You can apply in English via smartphone or PC.
・ATM access through convenience stores and other banks.
・Recommended for people who are used to managing everything online.

◆ Japan Post Bank (Yucho)

・Bank inside post offices across Japan.
・Application forms available in 14 languages via PC or smartphone.
・You can open an account online or at a branch.
・The most popular choice among YOLO JAPAN users.
>> See the survey results

◆ Seven Bank

・Online bank with no physical branches.
・Apply in English using your smartphone or PC.
・Convenient access to Seven-Eleven ATMs nationwide.
・Ideal for people who frequently use convenience stores.

◆ SBI Shinsei Bank

・Has branches in 13 prefectures in Japan.
・You can also apply online in English.
・Well-known bank with branches overseas.
・Recommended if you prefer face-to-face support at a physical branch.

■Frequently Asked Questions (FAQ)

Q1. Can foreigners open a bank account in Japan?

Yes, you can. As long as you have the required documents such as a residence card and a passport, foreigners are eligible to open a bank account.

Q2. Is it okay if I don't speak Japanese?

No problem. There are banks that offer English support. Choosing a bank with an English application page will make the process easier and less stressful.

Q3. Can I open an account with just a residence card?

In most cases, banks will require your residence card, passport, and a Japanese phone number. Be sure to check with the bank beforehand, as requirements vary.

Q4. Which is better: online banks or traditional banks with branches?

Both have their benefits.
Online banks are convenient if you prefer to manage everything from your phone.
Banks with branches offer in-person assistance, which may be reassuring.
Choose the type that best suits your lifestyle.

Q5. Are there any advantages to using YOLO JAPAN?

Yes! As a YOLO JAPAN member, you can access useful information for living and working in Japan in simple Japanese or English.
Not just for bank accounts — YOLO JAPAN supports job searching, visa info, and daily life services.

■YOLO JAPAN: Supporting Your Life and Work in Japan

"I want to open a bank account, but I’m not sure how."
"I’m looking for a job, but my Japanese isn’t very good."
If this sounds like you, YOLO JAPAN is here to help.

YOLO JAPAN is a support service designed for foreigners living in Japan.
It offers guidance in simple Japanese and English to make life in Japan easier.

・How to open a bank account and other essential info
・Job listings for foreigners (part-time & full-time)
・Housing, mobile phone plans, and other helpful services