Open a Bank Account in Japan for Foreigners | Procedures and Recommended Banks in Kitakyushu

1. Introduction: Opening a Bank Account – Your First Step to Living in Japan

For foreigners who have just arrived in Japan, opening a bank account is an essential first step to start their new life. Whether it’s receiving your salary, paying rent or utilities, or signing up for a mobile phone, a bank account is necessary for many aspects of daily life.

However, Japan has its own rules and required documents for opening an account, which may be confusing at first. This article explains the basics of opening a bank account in Japan and introduces local banks in Kitakyushu that are accessible for foreigners.

This article is recommended for:

• Foreigners who have just moved to Japan
• Foreigners who want to open a Japanese bank account
• Foreigners unsure about the account opening process

2. Basic Requirements for Foreigners to Open a Bank Account

Although requirements may vary slightly between banks, the following conditions are generally expected. However, in reality, practices differ between branches.

(1) A valid residence card

• Many foreigners have successfully opened accounts even with less than 6 months of residency.
• For example, there are cases where a person opened a bank account two days after arriving in Japan, or with a residence period of only 4 months.
• The “6-month rule” often found online is not a fixed requirement, but rather a guideline followed by some banks.

(2) Resident registration (jŭminhyō)

• Banks usually require proof of address in Japan.
• Without this, it is generally not possible to open an account.
• Having secured housing before arrival will help speed up the process.

3. Documents Commonly Required to Open a Bank Account

• Valid residence card and passport
• Certificate of residence (jŭminhyō)
• Japanese phone number (sometimes required for SMS verification)
• Personal seal (inkan)

4. Recommended Banks in Kitakyushu & Fukuoka

(1) Japan Post Bank (Yuucho Bank)

• Features: More flexible in dealing with foreigners. Accepts account applications with a 4-month or longer stay period. Cannot open accounts if your visa expires within 3 months.
• Support: You can prepare application forms online. Available in English, Chinese, Vietnamese, etc.
• Website: https://www.jp-bank.japanpost.jp/kaisetu/kat_gaikokujin.html

(2) Fukuoka Bank

• Features: A major local bank in Fukuoka Prefecture.
• Support: Many branches near major stations. Mainly Japanese service, but staff are generally polite.
• Website: https://www.fukuokabank.co.jp/faq/category01/subcategory101/page_000511.html

(3) Nishi-Nippon City Bank

• Features: Active in the Fukuoka and Kitakyushu area.
• Support: Often used by local companies for salary payments.
• Website: https://www.ncbank.co.jp/hiraku/

5. Steps and Tips for Opening a Bank Account

1. Check the bank’s website or ask at a branch for their requirements.
2. Prepare the necessary documents.
3. Make a reservation (not always needed, but recommended).
4. Apply in person at the branch (may take 1–2 hours).
5. Receive your account number and bank card.

Tips:

• Some banks may refuse applications if your visa is short-term or your occupation is unclear.
• Due to fraud prevention, screening may be stricter for foreigners.

6. Procedures When Moving or Leaving Japan

Change of Address

• Notify the bank immediately when you move.

Closing the Account Before Leaving

• Be sure to close your account before returning to your home country.
• Leaving an unused account can result in illegal use and legal problems.

7. Be Careful About Fraud and Misuse

• It is illegal to give or sell your account to another person.
• Avoid involvement in underground banking or money laundering.
• If approached with suspicious offers, consult the police or an administrative scrivener.

8. Conclusion: Start Your Life in Japan with Confidence

Opening a bank account is the first step in living in Japan. With accurate information and proper preparation, the process is not difficult.

9. About Our Office’s Support Services

Our office supports foreigners with various procedures necessary for starting life in Japan, including opening a bank account, obtaining a residence certificate, and visa applications.

We also assist with preparing documents, interpreting at banks, and handling administrative paperwork on your behalf.

Please feel free to contact us for support!

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Office Name: Trust Administrative Scrivener Office
Administrative Scrivener: Keiko Utsunomiya
Email: info@trust-gyosei.com

Address：3F-1-1-1 Kajimachi, Kokurakita-ku, Kitakyushu-shi, Fukuoka, Japan