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Open a Bank Account

Opening a bank account is essential for life in Japan. Conditions differ by bank, and how much of your period of stay remains and how long you have been in Japan both affect the screening. Register your address first, then check each bank's own conditions before applying.

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Documents needed

✓Residence Card
✓Passport or additional ID document (varies by bank)
✓A student or employee ID proving your enrolment or employment (required for Student and Technical Intern Training status)
✓Smartphone (for app-based applications)
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Steps

1

Apply once your move-in notification is done and your address is on your residence record — identity documents used to open an account have to show your address

2

Check each bank's own conditions in advance - how much of your period of stay must remain, how long you must have been in Japan, and which documents they want

3

Verify your identity using your Residence Card and any additional documents required by the bank — your cash card will be mailed after approval

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Important notes

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Japan Post Bank will not open an account where the residence permission expires within three months of the application, and asks you to come back with a renewed card

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Banks may ask for extra documents if you arrived recently. Rakuten Bank requires, when less than 6 months have passed since your residence card was issued, either identification showing you have been in Japan for over 6 months or a health insurance qualification certificate showing you work at an office in Japan

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Japan Post Bank publishes guidance for foreign customers, and its account-opening app supports Japanese, English, Chinese (simplified), Vietnamese, Indonesian, Nepali and Burmese. Holders of Student or Technical Intern Training status must also show a student or employee ID, and the bank may contact the school or employer to confirm. If you cannot follow the explanation in Japanese, they may ask you to bring someone who can

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A bank account is what employers pay salaries into and what utilities take payments from

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When you leave Japan for good, close the account (Japan Post Bank's guidance). Transferring or selling an account for someone else to use is a criminal offence

Official info verified: 2026-10-01 / Source: jp-bank.japanpost.jp ↗
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