Bank Accounts, ATMs, Cards, and Overseas Remittance

You may use a bank account in Japan to receive your salary, or to pay rent and utility bills.

Opening a bank account

Required documents and conditions vary by bank.

Generally, you may be asked to confirm:

• Identity documents such as your Residence Card
• Your address
• Your phone number
• Your period of stay or your employer, etc.

For details, check with the bank you want to use.

When your address or period of stay changes

If your registered address, Residence Card, period of stay, and similar information change, the bank may ask you to complete a change procedure.

If the bank contacts you to confirm something, respond — don't leave it unattended.

Cash cards and ATMs

You can use your bank's cash card to withdraw cash at an ATM.

Fees may apply depending on the ATM you use and the time of day.

Credit cards and debit cards

A separate screening and application may be required, apart from your bank account.

Understand the payment method, credit limit, and installment/revolving payment conditions before using one.

Overseas remittance

When sending money overseas, you use a bank or a funds transfer service provider.

Check the fees, exchange rate, amount the recipient will receive, and identity verification requirements.

Be cautious of unregistered providers or services that ask you to use someone else's account.

Don't sell your bank account to others

Do not sell or lend your bank account or cash card to others.

There is a risk it could be used for crime.

What you can check next

• Taxes, income tax, and resident tax in Japan
• Electricity, gas, and water
• Contracts, cancellations, mail-order sales, and predatory business practices

Main places to check

• Financial Services Agency
• Your bank or financial institution

Last checked: August 2026