Bank Account and Phone in Japan
Open a bank account after your address is on your residence card (the ID card for foreigners living in Japan). Japan Post Bank is the usual first bank for students. Get a phone plan that can make calls, so you can call 110 (police) and 119 (ambulance and fire).
Example bank
Recent Transactions
Example: scholarship payment
Example: rent
This card is only an example. Money is in Japanese yen (JPY).
Banks for Students
Japan Post Bank is the usual first bank for students.
- Open at a post office counter or with the app.
- Staff may not speak English. Bring someone who speaks Japanese if you can.
Non-resident for 6 months
In your first 6 months, banks see you as a non-resident (someone new to Japan). Some money transfers then count as international transfers and can cost more.
Opening a Bank Account
You need a bank account for scholarships, pay and bills.
Register your address
Your address must be on your residence card.
Fill in the form
Japan Post Bank: fill in the online form and print it, or use its app.
Visit the counter
At the counter the account can open on the same day. The app takes about two weeks.
Essential Documents:
- Passport - Bring it with you.
- Residence card - With your address on it. Some banks want the card to stay valid for 6 more months or longer.
- Student ID card - Proof you study at your university.
Additional Documents (If Available):
- Seal (hanko) - A small name stamp. Some banks accept a signature instead.
- Cash to deposit - The amount depends on the bank.
Tips
Japanese Government (MEXT) scholarship students: at the University of Osaka, you must use Japan Post Bank to get your scholarship.
After 6 months in Japan, ask your bank to change you from non-resident to resident.
Getting a Phone
You can buy a phone or SIM at a mobile phone shop or electronics store. Check the plan carefully before you sign.
Register your address
Your residence card should show your address first.
Visit a phone shop
Bring your residence card.
Check the plan
Make sure it can make phone calls.
- Choose a plan with calls so you can reach 110 (police) and 119 (ambulance and fire).
- Read how long the contract is and what you pay if you stop early.
Tips for Money and Phones
Simple tips for your first weeks.
ATM fees
Using another bank's ATM, or using an ATM at some hours, costs a fee.
Bank hours
Most banks open 9:00 to 15:00 on weekdays. ATMs work at other times.
Data-only SIM
A data-only SIM usually cannot call 110 (police) or 119 (fire and ambulance). Check before you sign.
Banking Security
- Never lend or sell your bank account or residence card.
Digital Privacy
- Keep your residence card and passport safe.
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