Bank Comparison
6 Banks Where Foreigners Can Open Accounts in Japan【2026】
📋 Table of Contents
Seven Bank — best first bank for foreigners
Zero ATM fees, smartphone sign-up, residence card OK. Use any 7-Eleven ATM.
See Seven Bank details
Key Notes Before Opening a Bank Account
To open a bank account in Japan, you need a valid residence status and residence card (zairyu card). Short-stay visas are not accepted.
Most banks require at least 6 months of residence in Japan (with exceptions). Prioritize banks that allow foreigners to open accounts soon after arrival.
💡 Tip: The easiest banks for foreigners who just arrived are Japan Post Bank (Yucho) and Seven Bank.
6-Bank Comparison Table
| Bank | Difficulty | Residence Requirement | How to Open | English Support | Int'l Transfer |
|---|---|---|---|---|---|
| Japan Post Bank Open right away | Easy | Under 6 months OK | Branch only | △ | ○ |
| Seven Bank | Easy | Under 6 months OK | Mobile app | ○ 8 languages | × |
| SBI Sumishin Net Bank | Moderate | 6 months+ recommended | Mobile app | ○ English | ○ |
| Rakuten Bank | Moderate | 6 months+ recommended | Online | △ | × |
| SBI Shinsei Bank | Easier | 6 months+ recommended | Online | ○ English | ○ |
| MUFG Bank | Stricter | 6 months+ required | Branch / App | △ | ○ |
Common Required Documents
- Residence card (在留カード) – Required, must be valid
- My Number (Individual Number) – Usually required for online banks
- Passport – As additional ID
- Juminhyo (Certificate of Residence) – Some banks require it
✅ Recommendation: Start with Seven Bank or Japan Post Bank, then upgrade to a net bank after 6 months.
Get a credit card alongside your bank account
Opening a bank account and credit card together makes daily life in Japan much more convenient.
See 5 cards for foreigners