How to Open a Bank Account in Japan as a Foreigner (2026 Complete Guide)

Opening a bank account is essential for foreign residents in Japan. Without one, it’s difficult to receive your salary, pay rent, sign up for utilities, or even get a mobile phone plan.

Because Japan’s banking system differs from many countries, foreigners may experience confusion or rejection—especially during the first few months. This guide explains the requirements, best banks, step-by-step process, and common pitfalls, with key Japanese terms and pronunciation.

Why Foreigners Need a Japanese Bank Account

Most employers and service providers require payments via bank transfer (振込 – furikomi).

You will typically need an account for:

• Salary payments

• Rent and utilities

• Health insurance and pension

• Mobile phone contracts

• Online shopping and bill payments

Who Can Open an Account?

You are eligible if you:

• Reside in Japan

• Hold a Residence Card (在留カード – zairyū kādo)

• Have a registered address

• Plan to stay longer than 3 months (most banks)

❌ Tourists cannot open standard Japanese bank accounts.

Required Documents (2026 Standard)

💡 Many banks now accept signatures instead of inkan.

Best Banks in Japan for Foreigners (Comparison)

• ✅ Highest approval rate: Japan Post Bank

• ✅ Fastest online setup: Rakuten Bank

Step-by-Step: How to Open an Account

1. Choose a bank

2. Visit a branch or apply online

3. Submit required documents

4. Fill out the application form

5. Receive your bankbook (通帳 – tsūchō)

6. Receive your cash card (キャッシュカード – kyasshu kādo)

7. Activate online banking

⏱ Processing time: same day to 1–2 weeks

Common Reasons for Rejection

Debit & Credit Cards

• Debit Card (デビットカード – debitto kādo): Usually included with the bank account

• Credit Card (クレジットカード – kurejitto kādo): Separate application

Foreigner-friendly credit cards:

• Rakuten Card

• EPOS Card

Tips for Smooth Banking

• Update your bank after moving

• Avoid account inactivity

• Keep your My Number secure

• Use furikomi (振込) for payments

Special Campaign: Rakuten Bank Referral (PR)

🎁 Get up to 5,000 Rakuten Points when opening a new account using a referral code and completing conditions.

Points can be used for:

• Online shopping on Rakuten Ichiba

• Travel bookings via Rakuten Travel

• Payments at partner stores across Japan

Referral Code: P09365133
Official Rakuten Bank application page

💡 Why Rakuten Bank is convenient for foreigners:

• Zero transfer fees between Rakuten Bank accounts

• Easy money transfers to family/friends

• Fully online account opening (no branch visit required)

• English-friendly interface and support

⚠ Campaign benefits and eligibility requirements may vary. Points are credited after meeting all conditions.

Conclusion

Opening a bank account in Japan as a foreigner is easier than many expect—if you choose the right bank and prepare the necessary documents.

• Japan Post Bank: Smoothest for new arrivals

• Online banks (Rakuten, Sony): Quick, flexible, English-friendly

• Major banks (SMBC, MUFG): Useful for long-term residents and comprehensive services

With the right setup, managing money in Japan becomes simple, secure, and stress-free.