🛟 What Do You Need to Open a Bank Account in Japan?

Start Your Life in Japan Smoothly

【What｜What is this?】
A bank account is one of the most essential tools for living in Japan. It is used for receiving your salary, paying rent, shopping, and many other daily activities.

【Why｜Why is this necessary?】
As mentioned above, having a bank account is necessary for many aspects of everyday life in Japan.

【When｜When can I open one?】
You can open a bank account after completing your resident registration. Since the process can take some time, it’s best to prepare early.

【Where｜Where can I open a bank account?】
You can open an account at the following banks:

Japan Post Bank (Yucho Ginko)
Mitsubishi UFJ Bank
Mizuho Bank
SMBC (Sumitomo Mitsui Banking Corporation)
Other regional banks are also available, but major city banks are generally more experienced in supporting foreigners and may offer English-language services.

【Who｜Who handles the process?】
You must apply in person.
If you're not confident with Japanese, ask your school staff — they may be able to accompany and support you during the process.

【How｜Steps to open an account】

Fill out the application form
Submit identification documents (e.g., Residence Card, passport, student ID)
Receive your passbook and ATM card (may be sent by mail at a later date)

Regional Differences

【Ease of Process by Region】

Major city banks: More familiar with handling foreign customers and often have English-speaking staff or desks.
Local banks: May have less experience supporting foreigners. It's a good idea to check in advance.

FAQs and Important Tips

The screening process may take a few days to a week.
Some banks may limit certain services for international students (e.g., restrictions on online banking).
Required documents may differ depending on the bank, so check the official website beforehand.

Where to Ask for Help

Your school’s International Student Support Office or Administrative Office
Each bank’s Foreign Customer Desk

Example Search Terms

「外国人銀行口座開設東京」
“Japan bank account for international student”