Moving to Tokyo? Opening a Japanese bank account is one of the first practical steps that makes paying rent, receiving salary, and using utilities much easier. This guide walks you step-by-step through what Tokyo branches will commonly require, which providers are expat-friendly, and practical local tips — all based on official and major local sources so you can prepare documents and expectations before you visit a bank branch.
A local bank account is often required by landlords and employers in Tokyo, and it simplifies monthly bills and salary deposits. Japanese banks typically insist on a valid Residence Card (在留カード, zairyu card) and a Tokyo address before account opening procedures proceed [1]. If you are still on a short-term tourist stay, most retail banks will not accept your application; long-term residency status is normally required [1].
Three useful options for new arrivals in Tokyo:
Prepare the following before visiting a Tokyo branch. These items are consistently requested by banks and official guidance:
In Tokyo, complete your juminhyo (residence registration) at your Tokyo ward or municipal office before visiting a bank. JETRO and other official resources advise registering your address first because banks commonly require confirmation of a Japanese address and phone number when opening an account [4]. Bring your Residence Card and passport to the ward office; the ward staff will issue the residence registration you can show to banks.
While procedures vary by bank, the typical in-branch sequence is:
Japan Post Bank (Yucho) remains a reliable first stop in Tokyo because of its dense branch and ATM network, including many locations near post offices and major stations; its English pages explain account types and branch services [2].
Online and international banks have become better options for expats. Shinsei Bank offers English support and international transfer services aimed at foreign customers; check their Tokyo branch listings and online application information in advance [3]. International banks with Tokyo branches can help with cross-border transfers but usually require additional documentation.
Sign up for online banking as soon as possible if available. Use 7‑Eleven ATMs and Japan Post ATMs for wide access across Tokyo; 7‑Eleven ATMs are notable for accepting many international cards and operating outside normal bank hours [5]. For overseas transfers, compare fees and exchange rates — banks like Shinsei provide international transfer services tailored to foreign residents [3].
Key official and bank resources to check before you go: the Immigration Services Agency for residence and card rules [1], Japan Post Bank’s English site for Yucho branch/ATM info [2], Shinsei Bank’s English pages for services to non-Japanese customers [3], and JETRO’s living guide for procedures like ward registration and banking basics [4]. For ATM hours and compatibility, Japan Guide provides practical notes on using ATMs in Tokyo [5].
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