Bank Account Opening for Non-Japanese Residents: Guide on Required Documents and Procedures - BiyaPay

Image Source: pexels

You can open a bank account for non-Japan residents at a Japanese bank. You need to make an appointment in advance and visit the bank branch in person. Banks typically require you to provide a valid passport, residence card, proof of address, and a personal seal (hanko). All documents must be within their validity period, and the identity information must be completely consistent. Many banks only accept applications from individuals holding long-term or permanent residency who have been living in Japan for more than 6 months. Banks place great emphasis on account security to prevent account misuse or illegal transfers.

Key Points

• Before opening an account at a Japanese bank, you must make an appointment and visit the branch in person. Applications without an appointment are generally not accepted.
• Prepare the required documents for account opening, including a valid passport, residence card, proof of address, and a personal seal, ensuring all documents are within their validity period and the information is consistent.
• Different banks have varying policies and requirements for non-Japan residents, so it’s crucial to research the specific regulations of the target bank in advance.
• When opening an account, you must truthfully answer the bank’s questions about your identity and residency status to ensure accurate information and avoid application failure.
• Non-resident accounts have limited service functions, and understanding these restrictions can help you better plan your account usage.

Feasibility of Non-Japan Resident Bank Account Opening

Account Opening Policies

You can attempt to open a non-Japan resident bank account at a Japanese bank, but policies vary by bank. Japanese banks define non-Japan residents primarily based on your length of stay and work status in Japan.

• If you have been in Japan for less than six months and are not working in Japan, banks typically consider you a non-resident.
• If you work for a foreign government or international organization, you also fall under the non-resident category.
• Some banks (such as Japan Post Bank) allow non-residents to open accounts, while others (such as SBI Shinsei Bank) do not accept non-resident account applications.
• Non-residents face more restrictions on transfer transactions, and processing times may be longer.
• You cannot make transfers via ATMs; you can only handle related transactions through international remittance counters or applications.

When preparing to open an account, you should research the specific policies of the target bank in advance. The requirements and processes for non-Japan resident bank account opening vary significantly among banks. You need to choose a suitable bank based on your situation and prepare all required documents.

Main Restrictions

When opening a bank account in Japan, you will encounter some legal and procedural restrictions. The table below summarizes the main requirements and notes:

You must visit a Japanese bank branch in person to complete the account opening process; accounts cannot be opened remotely through overseas channels. Banks will not accept account opening applications from tourist visa holders. You also need to truthfully answer the bank’s inquiries about criminal organization membership during the application process. These procedures and restrictions are designed to ensure account security and compliance.

Required Documents for Non-Japan Resident Bank Account Opening

Image Source: pexels

When opening a non-Japan resident bank account in Japan, you need to prepare various valid documents. Each document has specific requirements, and banks will strictly verify their validity and consistency. You must ensure all documents are within their validity period and the information is entirely consistent. Below are details of the three main categories of required documents:

Identity Proof

You need to provide documents that can verify your identity. Different banks may accept slightly different forms of identity proof, but they typically include the following:

When submitting documents, your passport and residence card must be valid. The bank will verify that your name, date of birth, and photo match the application form. Some banks may also require a Japanese driver’s license or health insurance card as supplementary documents. If you hold a My Number card, banks usually only accept a copy of the front, which must show your name, address, and photo.

Tip: All identity proof documents must be originals or copies approved by the bank. Inconsistent information or expired documents will lead to application failure.

Proof of Address

You need to prove your actual residential address in Japan to the bank. Banks typically require one of the following documents:

The resident certificate (juminhyo) is the most commonly used proof of address and must show a formal Japanese address. You can apply for a resident certificate at the municipal office, and it must display your name and current address. Some banks also accept utility bills, but the bill must show your name and address. Banks will also require you to provide a Japanese local phone number for SMS verification and future contact.

Note: Proof of address must be from within the last three months. Banks will not accept addresses from China/mainland China as proof of address.

Personal Seal and My Number

In Japan, some banks require you to use a personal seal (inkan) to complete the account opening process. You can have a personal seal made in advance at a stationery store or specialized seal shop. Different banks have varying requirements for seals:

When opening a non-Japan resident bank account, it’s recommended to check with the target bank in advance to confirm whether a seal is required. Some banks now allow signatures instead of seals, but traditional banks still require a seal on forms.

Regarding the My Number card, banks typically require a copy of the front. The copy must show your name, address, date of birth, and photo. You do not need to submit a copy of the back (which includes the personal number). If your address or personal information has changed, you must update it at the municipal office before submitting the latest version. Notification cards (without a photo) cannot be used as identity proof.

Tip: When preparing your My Number card, cover the organ donation section. Banks only accept formal cards with a photo as supplementary identity proof.

When preparing documents for a non-Japan resident bank account, ensure all documents are authentic, valid, and consistent. Preparing all materials in advance can significantly increase your chances of successfully opening an account.

Account Opening Process

Non-Japan Resident Bank Account Opening Process

When opening a non-Japan resident bank account in Japan, you need to follow the bank’s standard procedures. The entire process consists of several key steps, each of which you must complete in person. Below is a detailed guide:

1. You need to prepare all necessary documents in advance. The types of documents depend on your residency status, including a passport, residence card, resident certificate, and personal seal.
2. You must choose a target bank and research its specific requirements for non-Japan resident bank account opening.
3. You need to book an appointment for account opening at the bank branch. Most banks operate from 9 AM to 3 PM on weekdays.
4. You must visit the bank branch in person, bringing all required documents.
5. You need to accurately and completely fill out all account opening forms.
6. The bank may require an initial deposit, with the amount varying by bank policy.
7. The bank will review your documents and identity. The review process typically takes a few days to a week.
8. Upon approval, you can collect your bank account information, ATM card, and other related materials.

Tip: At every step, ensure all identity information matches the documents completely. Some banks may require additional documents, such as further proof of address or updated ID photos.

Appointment and In-Person Visit

Before formally opening a non-Japan resident bank account, you must make an appointment in advance. Most Japanese banks do not accept account opening applications without an appointment. You can book an appointment through the bank’s website, phone, or mobile app. During the appointment booking, the bank will inform you of the required documents and the visit time.

Upon arriving at the bank branch, the staff will verify your appointment information. You need to present your passport, residence card, and other identity documents at the counter. The bank will assign you a dedicated account opening window. You need to wait patiently and follow the bank’s procedures.

Note: You must be present in person; banks do not allow others to handle the process on your behalf. Ensure all documents are originals, and copies must be approved by the bank.

Application Form Completion

At the bank branch, you will receive an account opening application form. You need to fill out the form in Japanese or English. The form typically includes:

• Your name, date of birth, and gender
• Passport number and residence card number
• Japanese local address and contact phone number
• Work or school information (if applicable)
• Explanation of account purpose (e.g., salary, living expenses)

You also need to attach or paste identity proof documents to the form. Some banks allow you to upload ID photos via their mobile app. You must truthfully fill out all information to avoid discrepancies with your documents.

Tip: Prepare all personal information in advance to avoid omissions at the bank. Bank staff will assist in reviewing the form to ensure accuracy.

Identity Verification

The bank will conduct strict identity verification. Common verification methods include:

1. The bank will ask about your residency status to confirm whether you meet the conditions for non-Japan resident bank account opening.
2. You need to choose documents for identity verification, such as a passport, residence card, or My Number card.
3. The bank will ask you to provide a 4-digit code for future verification.
4. You need to take multiple photos of your ID, sometimes including a photo of you holding the code.
5. The bank will require you to present the front of your My Number card to verify your name, address, and date of birth.

Some banks will also verify your Japanese local phone number via phone or SMS. After submitting your documents, the bank will conduct a background review. Some banks complete the review within 24 hours, while others may take about a week.

Reminder: During identity verification, ensure all information is consistent. Any discrepancies or incomplete documents may lead to application failure or delays.

After completing all the above steps, the bank will notify you to collect your account information and ATM card. You can then formally use your new account for daily deposits, withdrawals, and transfers. While the non-Japan resident bank account opening process may be complex, thorough preparation and adherence to the process can significantly increase your success rate.

Common Banks

Image Source: pexels

Mitsubishi UFJ Bank

When opening an account at Mitsubishi UFJ Bank, you need to meet strict identity and residency requirements. The bank will require you to present a residence card to verify your residency period and status in Japan. You also need to prepare a personal seal and documents confirming your personal number (My Number). The bank typically considers non-Japanese nationals as non-residents unless you have worked or lived in Japan for more than 6 months. For non-residents, the bank imposes restrictions on certain services, such as online banking, credit cards, and debit cards. The account opening process is primarily completed at the bank counter. While Mitsubishi UFJ Bank supports online appointment booking and document submission in some cases, non-residents cannot open accounts directly online and must visit the branch in person.

Tip: When preparing documents, ensure all information is consistent to avoid rejection due to discrepancies.

Sumitomo Mitsui Banking Corporation (SMBC)

Sumitomo Mitsui Banking Corporation offers multiple account opening methods for non-Japan residents. You can apply via mobile phone or computer. For mobile applications, you need to provide a residence card or special permanent resident certificate, a Japanese phone number with SMS enabled, and an email address. For computer applications, you need two identity proof documents, one of which can be a Japanese driver’s license, My Number card, or health insurance card. You also need a Japanese local phone number and email address. SMBC supports some online processes, but final review and identity verification typically require an in-person visit. The bank has high requirements for the authenticity and consistency of documents.

Note: When applying, ensure all contact information uses Japanese local numbers; the bank will not accept numbers from China/mainland China.

Mizuho Bank

Mizuho Bank has clear residency period requirements for non-Japan resident account opening. You must have lived in Japan for more than 6 months and the purpose of the account must be for work or study. If your stay in Japan is between 3 and 6 months, you can only open a “Non-Resident Yen Deposit” account, not a regular account. You need to prepare a valid residence card. Mizuho Bank supports applications through counters, the internet, and apps, but in most cases, non-residents still need to visit the branch to complete identity verification.

• You need to have lived in Japan for more than 6 months to open a regular account.
• Those residing for 3–6 months can only open a special account with limited services.
• The main document required is a residence card, and applications must be completed in person.

Reminder: When choosing an account type, plan reasonably based on your length of stay and status in Japan.

Shinsei Bank

Shinsei Bank is known for its simple account opening process and international services. As a non-Japan resident, you can relatively easily open an account at Shinsei Bank. The bank provides English support for international clients, facilitating communication and processing. Shinsei Bank also offers comprehensive online banking services, allowing you to perform remittances and balance inquiries online. While some processes can be completed online, the bank recommends visiting the branch in person for initial account opening to complete identity verification.

• Shinsei Bank is friendly to non-Japan residents with a relatively simple process.
• Offers multilingual services, suitable for international clients.
• Supports online banking for convenient daily operations.

Tip: Before opening an account, check the required documents and appointment process on Shinsei Bank’s website to improve efficiency.

Notes

Account Types

When choosing a bank account type, you need to consider your residency period and the bank’s policies. Different banks have varying requirements for non-Japan resident account types. The table below shows typical requirements for major banks:

Japan Post Bank allows you to open an account if you have resided for less than 6 months, but the account has limited functions, allowing only deposits and withdrawals. When choosing an account, it’s recommended to consult the target bank in advance to confirm eligibility. You can select the most suitable account type based on your residency period and actual needs.

Reminder: Before opening an account, prepare all documents and understand the bank’s restrictions on account functions.

Review Issues

During the account opening process, you may encounter strict bank reviews. Japanese banks thoroughly check your identity and documents. Common review issues include:

• Banks require you to visit in person to complete the account opening process.
• Banks will verify your residence card and actual residential address.
• You need to provide proof of legitimate business activities, such as an office lease or company website.
• Banks require more documents for newly established companies, such as business plans and financial statements.
• Application forms and contracts are mainly in Japanese, requiring accurate completion or translation.
• Banks will reject companies with only virtual offices or unclear operations.

The table below summarizes common reasons for rejection:

When preparing documents, you can bring a friend fluent in Japanese to assist with form completion. You should also verify the name on your residence card to avoid rejection due to errors.

Usage Restrictions

After successfully opening an account, the bank will impose certain restrictions on account usage. Japanese banks prevent you from withdrawing funds after your residency period expires to prevent fraud. You must promptly notify the bank of any changes in residency status; otherwise, your account may be frozen. Banks and police also take measures to prevent accounts from being misused by criminals.

When using your account, it’s recommended to choose a branch near your home or workplace for convenience in future transactions. You should also prepare an initial deposit to activate the account. Understanding the bank’s usage rules in advance can help avoid common pitfalls and ensure account security.

Suggestion: Before opening an account, communicate with the target bank to ensure all documents are complete and information is accurate.

As a non-Japan resident, you can open a bank account at a Japanese bank, but you must meet the bank’s policies and procedures. You need to prepare all documents in advance and ensure consistent identity information. You must visit the branch in person, make an appointment, and avoid rejection due to incomplete documents or inconsistent information. You can refer to the official booklet published by the Japan Financial Services Agency for details on the account opening and remittance process.

• You must present a residence card and a second form of identification, such as a My Number card or student ID.
• Non-resident account services are limited, and tourist visas are not accepted.
• You cannot open an account from outside Japan.
• Prepare two official IDs and show confidence to effectively increase your chances of success. Consulting the target bank in advance and planning your time reasonably can reduce delays and errors.

FAQ

Can non-Japan residents open a bank account with a tourist visa?

You cannot open a bank account in Japan with a tourist visa. Banks only accept applicants with long-term visas or residence cards.

Can a China/mainland China address be used as proof of address?

You cannot use a China/mainland China address as proof of address. Banks only accept Japanese local addresses and require a resident certificate or utility bill.

Can I open an account without a personal seal?

Some banks allow you to use a signature instead of a seal. It’s best to check with the target bank in advance to confirm whether a seal is required.

How long does it take to receive a bank card after opening an account?

You typically receive your bank card within 3 to 7 days after approval. The exact time depends on the bank’s review speed and mailing arrangements.

What are the usage restrictions for non-Japan resident accounts?

You can only perform basic deposits and withdrawals. Some banks restrict international remittances and online banking functions. You need to update your residency information promptly to avoid account freezing.

You have thoroughly reviewed the complex process, strict KYC requirements, and detailed documentation needed for a non-resident to open a bank account in Japan. The entire process involves prior appointments, multiple forms of ID (Passport, Residence Card), proof of a Japanese address, and often a personal seal (Hanko). This cumbersome offline procedure and the restrictions placed on “non-residents” undeniably create significant time and effort costs for your cross-border fund management.

Even after successfully opening an account, you still face high international remittance fees, complex currency exchange procedures, and various functional limitations imposed by traditional banks on non-resident accounts. What you truly need is a FinTech platform that bypasses geographic restrictions and provides efficient fund conversion and global trading.

BiyaPay is the ideal solution for your cross-border financial challenges. We offer real-time exchange rate inquiry and conversion for fiat currencies, with remittance fees as low as 0.5%, and zero commission for contract limit orders, helping you maximize cost control. With BiyaPay, you can seamlessly convert between various fiat and digital currencies and trade global markets, including Stocks, all on one platform. There is no need for a complex overseas bank account, and you can enjoy same-day fund remittance and arrival. Click the Real-time Exchange Rate Inquiry now, and BiyaPay for quick registration, and utilize peak capital efficiency and low costs to achieve free global asset allocation!