Moving to Japan is exciting, but setting up your new life comes with a few challenges—opening a Japanese bank account is one of the first and most important tasks. Don’t worry: whether you just landed or are relocating soon, this guide will walk you through what to expect, which banks are foreigner-friendly, and where to find English-language support.

Why You Need a Japanese Bank Account

Vertical signs with the kanji for “bank” (銀行) outside different Japanese banks in green, red, and blue.
 Signboards for Japanese banks, each displaying the word “銀行” (ginkō), which means “bank.”

 

Most employers, landlords, and utility companies require a local bank account for salary payments and monthly deductions. Having a Japanese account also makes day-to-day spending easier and opens up access to useful mobile apps and cashless services.

What You’ll Need

Generally, you’ll need the following:

  • Residence card (在留カード – zairyū kādo)

  • Passport

  • Personal stamp (inkan/hanko), though many banks now accept a signature

  • Japanese phone number and address

Some banks may also ask for a My Number card (Individual Number Card) or a certificate of residence (jūminhyō).

Foreigner-Friendly Banks in Japan & English Support

Below are some of Japan’s major banks and online banks that make the process smoother for non-Japanese customers. For each, I’ve noted if easy-to-understand English guidance is available on their official site.

Bank Name English Guide Highlights
MUFG Bank (三菱UFJ銀行) ✅ English guide, large ATM network, app available.
SMBC (三井住友銀行) ✅ English site, friendly for new arrivals.
SMBC Trust PRESTIA ✅ Full English support, no stamp required.
SBI Shinsei Bank ✅ All-English setup, online account opening.
Sony Bank ✅ English website/app, convenient for residents.
Seven Bank ✅ English support, easy account via app.
Mizuho Bank (みずほ銀行) ❌ Large network, but English guide limited.
Rakuten Bank ❌ Online bank, some English, mostly Japanese.
Japan Post Bank (ゆうちょ銀行) ✅ English info available, but in-branch Japanese.
Jōnan Shinkin Bank ❌ Accepts foreigners; language support varies.
Note: “✅” means there is an official English webpage or guide for account opening.

Standout Banks for English Speakers

A woman wearing a floral dress and face mask using an ATM inside a modern bank.
Opening a bank account in Japan often means navigating ATMs—many now support English options.

 

  • SBI Shinsei Bank: One of the best-rated banks for foreigners with [comprehensive English web/app support]. You can open an account with your residence card, sometimes even before your first full job contract.

  • SMBC Trust PRESTIA: Ideal for expats, as all major steps—from account application to customer service—are conducted in English.

  • Sony Bank: Account opening, online banking, and customer service are available in English—a rare find!

Online Banking Options

Seven Bank and Sony Bank allow you to complete most procedures online or via app. Seven Bank even lets you collect your bank card from a local convenience store.

In-Person Banking: What to Expect

If you visit a bank branch:

  • Some large city branches have English-speaking staff, but most don’t.

  • Prepare your paperwork in advance.

  • Allow extra time for waiting and paperwork.

Credit Unions and Regional Banks

While a few local credit unions and smaller banks accept foreign account holders, most don’t have English websites. However, community-focused banks in areas with many international residents may offer multi-language support—always check before visiting.

Tips for a Smooth Experience

Neon-lit check cashing place with ATM and signage for utility payments and money orders in a city at night.
While check-cashing shops are common abroad, Japan’s banking system focuses on registered bank accounts and cash cards.

 

  • Bring all required ID (residence card, passport, proof of address).

  • Visit major branches in urban centers for the best English support.

  • Don’t be shy to ask for English documents—even if full support isn’t visible, many banks now offer translated forms.

  • Check each bank’s website for the latest requirements, as rules can change.

Final Thought

Opening a bank account in Japan is a key milestone in your new adventure. By choosing a bank with strong English support and preparing your documents, you can make the process smoother and start enjoying life in Japan with less stress.

Welcome to Japan!

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