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Pension Lump-Sum Withdrawal

Foreign nationals who paid into Japan's National Pension or Welfare Pension can claim a partial refund after leaving Japan. Apply within 2 years of departure. Eligible only if you have not met the 10-year pension eligibility threshold.

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Documents needed

✓Lump-sum withdrawal claim form (Japan Pension Service format)
✓Passport (for identity verification and confirming departure date)
✓Document confirming no address in Japan: copy of residence deregistration certificate (jumin-hyo no josho) or passport page showing departure date — may be omitted if overseas move-out notification was already submitted
✓Pension booklet (nenkin techo) or Basic Pension Number notification
✓Bank account details in your home country (including SWIFT code)
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Steps

1

Download the lump-sum withdrawal claim form from the Japan Pension Service website and fill in all required fields

2

After returning home, mail the completed form and supporting documents to the Japan Pension Service (head office)

3

After review, the amount will be transferred to your designated account (typically within 2–4 months)

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Important notes

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Eligible if: you are not a Japanese national and have not accumulated 10 years of pension eligibility

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The application deadline is 2 years from your departure date. Claims submitted after this period will be rejected

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Once you receive the lump-sum withdrawal, your pension records for that period are erased. If you return to Japan and re-enroll, that period cannot be counted toward eligibility again

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Nationals of countries with a social security agreement with Japan (including South Korea, Germany, France, and others) may be able to totalize pension periods instead of claiming a lump sum — check whether an agreement applies to your nationality

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Approximate amount: average standard remuneration × rate based on number of months enrolled. The rate increases with more months (up to a maximum of 5 years)

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