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Opening a Bank Account

Required documents & recommended banks

Which banks accept foreign nationals, what documents you need, and how the application process works.

⏱️Time Required: 30–60 min (+ 1-2 weeks for card delivery)

💴Cost: Free

📍Location: Bank branch or online application

🔗Official Website

⚠️Warning

•Most banks require you to have been registered for at least 3–6 months (varies by bank).
•Some banks may refuse accounts for certain nationalities — check beforehand.

📋Step-by-Step Guide

Choose a foreigner-friendly bank

Sony Bank and 住信SBIネット銀行 accept foreign nationals within a few months of arrival. Japan Post Bank (ゆうちょ) accepts foreigners but requires longer residence history for some nationalities.

💡 Tip: Online banks like Sony Bank have English support and are often easier to open as a foreigner.

Prepare your documents

Gather your residence card, passport, and proof of address (住民票 or utility bill). Some banks also require a My Number card or notification letter.

Apply online or visit a branch

Most major banks now offer online applications. For in-person visits, bring all documents. The process typically takes 30–60 minutes.

Wait for your bank card and passbook

Your bank card (キャッシュカード) will be mailed to your registered address within 1–2 weeks. Some banks issue a passbook (通帳) as well.

Set up Internet banking

Register for online banking to manage transfers, view balances, and set up automatic payments for utilities and insurance.

💡Helpful Tips

✓Sony Bank and 住信SBI accept foreigners with residence cards and offer English support.
✓Opening an account early is crucial — many employers require a Japanese bank account for salary payments.
✓Japan Post Bank (ゆうちょ銀行) branches are everywhere and often more accessible for new arrivals.