Opening a bank account is one of the first things you'll need to do after settling in Japan. While the process has become more streamlined in recent years, there are still some requirements and restrictions that foreigners should be aware of.
When Can You Open an Account?
Most major banks require you to have been living in Japan for at least 6 months before you can open a full-service account. However, some banks offer basic accounts to newcomers:
- Japan Post Bank (ゆうちょ銀行) — Available from day one in Japan. The most foreigner-friendly option.
- Shinsei Bank — English-language online banking. Can open with less than 6 months residence.
- Sony Bank — Fully online, English support, good for international transfers.
Required Documents
- Residence card (在留カード) with registered address
- My Number notification card or My Number card
- Personal seal (印鑑) — some banks accept signatures instead
- Initial deposit (usually as low as ¥1)
Recommended Banks for Foreigners
Based on accessibility, English support, and services, here are our top recommendations:
For most newcomers, we recommend starting with Japan Post Bank for immediate access, then opening an account at a bank with better online services once you've been in Japan for 6 months.