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일본에 거주하는 외국인은 주요 은행(MUFG, SMBC, 미즈호), 일본우편은행(ゆうちょ), 또는 온라인 은행에서 은행 계좌를 개설할 수 있습니다. 일반적으로 재류카드(在留カード), 여권, 마이넘버 카드, 등록된 주소, 초기 예치금이 필요합니다. 일본에 온 지 6개월 미만인 신규 ...

Foreign resident opening a bank account at a Japanese bank

빠른 답변

일본에 거주하는 외국인은 주요 은행(MUFG, SMBC, 미즈호), 일본우편은행(ゆうちょ), 또는 온라인 은행에서 은행 계좌를 개설할 수 있습니다. 일반적으로 재류카드(在留カード), 여권, 마이넘버 카드, 등록된 주소, 초기 예치금이 필요합니다. 일본에 온 지 6개월 미만인 신규 입국자는 일부 은행에서 제한을 받을 수 있습니다.

필요한 서류, 추천 은행, 신규 입국자를 위한 팁을 포함하여 일본에서 외국인 거주자로서 은행 계좌를 여는 방법.

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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.

자주 묻는 질문

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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