Choosing the Right Bank
Japan has several major banks that accept foreign residents. Each has different requirements and services available in English.
Recommended Banks for Foreigners
- Japan Post Bank (Yucho) — easiest to open, available at any post office
- SMBC Prestia — English-friendly, formerly Citibank Japan
- Shinsei Bank — good English support, low fees for international transfers
- MUFG — largest bank in Japan, extensive ATM network
Required Documents
- Residence card (zairyu card)
- Passport
- Personal seal (inkan) — or signature may be accepted
- Phone number registered in Japan
- Proof of address (utility bill or residence certificate)
The Application Process
Visit the bank branch with your documents during business hours. Some banks allow online applications, but the first account often requires an in-person visit.
It usually takes 1-2 weeks to receive your cash card by mail after the account is opened.