Top 3 Recommended Bank Accounts in Japan for Foreigners

 


Introduction

One of the first challenges many foreigners face after moving to Japan is opening a bank account. Without a bank account, it's difficult to receive a salary, pay rent, or set up a phone contract.

However, opening an account can be more difficult for foreigners due to additional paperwork and verification. In this article, we introduce three banks in Japan that are foreigner-friendly and relatively easy to open accounts with.

1. Japan Post Bank (ゆうちょ銀行)

Japan Post Bank is one of the most accessible banks in Japan, with branches and ATMs nationwide. It's particularly popular among students and people living in rural areas.

Pros:

  • Many branches and ATMs across Japan

  • Staff are used to helping foreigners

  • Paper passbook makes it easy to manage your account

Required documents:

  • Residence card (在留カード)

  • Passport

  • Proof of address (such as a utility bill)

2. SMBC – Sumitomo Mitsui Banking Corporation (三井住友銀行)

SMBC is one of the largest banks in Japan and is widely trusted by companies for salary payments. Some branches have support for English speakers.

Pros:

  • Some locations offer English-speaking services

  • Excellent mobile app and online banking

  • ATM fees can be reduced under certain conditions

Required documents:

  • Residence card

  • Passport

  • My Number card or notification letter

  • Japanese phone number

3. Rakuten Bank (楽天銀行)

Rakuten Bank is a completely online bank. You can open an account using only your smartphone, without visiting a branch. The sign-up process is simple even for people who don’t read much Japanese.

Pros:

  • Fully online application process

  • No monthly maintenance fees

  • Convenient ATM access (via convenience stores)

Required documents:

  • Residence card (upload image)

  • Another form of ID (passport, health insurance card, etc.)

Summary: Choose a Bank that Fits Your Lifestyle

While the account-opening process differs by bank, the three introduced here are among the most foreigner-friendly in Japan.

  • If you prefer in-person assistance: Japan Post Bank

  • If you need a reliable account for work: SMBC

  • If you want a quick, paperless setup: Rakuten Bank

Choose the bank that best fits your language level, tech skills, and daily needs. Having a Japanese bank account will make your life in Japan much smoother!

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