To live in Japan, a bank account is absolutely essential. Most transactions, including part-time job salaries, rent transfers, and utility auto-debits, go through a bank account. However, for foreigners—especially newly arrived international students and working holiday makers—opening an account can be more difficult than expected. Let's break down the requirements and steps.
Why is Opening an Account So Difficult?
Japanese banks look at several conditions when foreigners apply to open a new account.
- Period of Stay — Some banks restrict account opening if your remaining period of stay is short (e.g., less than 6 months).
- Duration of Residence — If you have just arrived in Japan (e.g., less than 6 months since entry), you may face restrictions.
- Address Registration — In most cases, your address must be registered on your Residence Card.
- Phone Number — You must provide a reachable Japanese phone number.
Because of these conditions, many people assume they can just walk in and open one, only to be turned away at the counter.
What You Need to Open an Account
Generally, you will need to prepare the following:
- Residence Card (with registered address)
- Passport
- Japanese Phone Number
- Personal Seal (Inkan/Hanko) — Required depending on the bank or branch
- Certificate of Enrollment (for students) or Certificate of Employment, depending on the case
Even here, a Japanese phone number is essential. You must write a contact number on the application form, and you will also need it to register for banking apps and online banking. Without a phone number, you often cannot open an account at all.
Which Bank to Choose
- Japan Post Bank (Yucho) — Run by the post office, this is relatively easy for foreigners and international students to open. It has a vast nationwide network of branches and ATMs.
- Major Commercial Banks — Choose these if required for salary transfers or specific services. The requirements can be slightly stricter.
- Neobanks / App-based Banks — Requirements and opening methods vary, so it is best to check each service's guidelines.
Regardless of the bank, a Japanese phone number and a Residence Card with a registered address are basic prerequisites.
Step-by-Step Process
- Get a Japanese Phone Number — The prerequisite for opening an account (can be prepared before departure)
- Register Your Address on Your Residence Card — Submit a moving-in notification at the local city/ward office
- Visit the Bank & Apply — Bring all required documents
- Register for Online Banking & Apps — For managing salaries and transfers afterward
If you don't have a phone number and a registered address, opening a bank account will be delayed. Without an account, you cannot receive your salary, which also delays starting a part-time job. Therefore, getting a phone number first determines how quickly you can settle in.
How KEICALL Can Help You
- Get a Japanese Number Before Departure — You can proceed with address registration and bank account opening immediately after arrival.
- Official Activation — Since it is an officially activated number verified with your Residence Card or passport, it can be used for bank accounts and various official documents without any issues.
- Korean Support — We guide you through the settling-in process, including opening a bank account, in Korean.
A bank account is an essential part of living in Japan. By knowing the requirements and steps in advance and preparing your phone number first, you can open your account in one go without being turned away.
If you have questions about the steps after arrival, including opening a bank account, please contact us via KakaoTalk. We will guide you in Korean.