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Foreign resident opening a bank account at a Japanese bank

Jawaban Cepat

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Jawaban Singkat

Penduduk asing di Jepang dapat membuka rekening bank di bank-bank besar (MUFG, SMBC, Mizuho), Bank Pos Jepang (Yucho), atau bank online. Anda biasanya memerlukan Kartu Izin Tinggal(在留カード), paspor, kartu My Number, alamat terdaftar, dan setoran awal. Pendatang baru yang telah berada di Jepang kurang dari 6 bulan mungkin menghadapi pembatasan di beberapa bank.

Cara membuka rekening bank di Jepang sebagai penduduk asing, termasuk dokumen yang diperlukan, bank yang direkomendasikan, dan tips untuk pendatang baru.

Langkah-langkah

1
Choose a bank
Compare banks based on ATM access, online features, and foreigner-friendliness.
2
Prepare documents
Gather your residence card, passport, My Number, and personal seal or signature.
3
Visit a branch
Go to a bank branch near your registered address during weekday hours.
4
Fill out application
Complete the account opening form with staff assistance.
5
Submit and wait
Submit your documents. The bankbook may be issued same-day; the cash card arrives by mail in 1-2 weeks.
6
Set up online banking
Download the bank's app and register for online banking services.

FAQ

Can I open a bank account without a personal seal?

Many banks now accept signatures instead of personal seals for foreign residents. Japan Post Bank, Sony Bank, and most online banks accept signature-based accounts. However, having a personal seal is still useful for other administrative procedures in Japan.

What if the bank refuses to open my account?

Try another branch or a different bank. Common reasons for refusal include insufficient documentation, language barriers, or being in Japan less than 6 months. Japan Post Bank is generally the most accessible option. You can also ask your employer or school for assistance.

Can I send money overseas from my Japanese bank account?

Yes, after 6 months of residence. For international transfers, banks charge fees of 2,000-7,000 yen per transfer. Online services like Wise often offer better exchange rates and lower fees for international money transfers.

Do I need to close my bank account when leaving Japan?

It is strongly recommended to close your account before leaving Japan. Leaving an inactive account can cause issues with future account openings. Visit your branch, settle any outstanding transactions, and withdraw your remaining balance.

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Rekening Bank — Prefektur

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