How to Open a Bank Account in Japan as a Foreigner [2026]

A bank account is essential for life in Japan: salary deposits, bill payments, and remittances all require one.

① Banks That Are Easy for Foreigners

• Japan Post Bank (ゆうちょ): Nationwide branches, foreigner-friendly
• Online Banks (Rakuten, SBI): Flexible screening, smartphone-based
• MUFG / SMBC: Available with longer residence history

② Required Documents

• Residence Card (required)
• Passport
• Proof of address (juminhyo)

③ Important Notes

• Short residence (under 3 months) may prevent account opening
• Address must match your residence card