How to Open a Bank Account in Japan
Step-by-step guide for foreigners — SSW, student, dependent & working holiday visas
外国人 銀行口座開設 | 在留カード | 口座開設 必要書類 | 2026年版
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This guide covers how to open an account. For a side-by-side feature comparison, use the
NEW ARRIVALBanks you can open from Day 1
Japan Post Bank (ゆうちょ)
Any visa · Branch only · Hanko needed
7 Bank (セブン銀行)
Any visa · Online app · No hanko needed
Shinsei and Rakuten usually work after 1–3 months. MUFG/SMBC/Mizuho require 6 months.
Step-by-step walkthrough
Quick guide by visa type
Your employer is required to help with daily life support including banking. Ask them to accompany you.
Bring your student ID and enrollment certificate (在学証明書). Most banks accept students.
Bring your own zairyu card. Some banks ask about income source — explain you receive support from your spouse or parent.
Employment letter helps. After 6 months, MUFG and SMBC are accessible.
Shinsei Bank is known to be foreigner-friendly for Working Holiday visa holders.
You qualify for all banks. Bring zairyu card and passport.
FAQ — 外国人 銀行口座 よくある質問
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外国人 銀行口座開設 · 日本 銀行 外国人 · ゆうちょ銀行 外国人 · 在留カード 銀行 · SSW 銀行口座 · 留学生 銀行 · 口座開設 必要書類 · 2026