Open A Japan Post Bank Account Online or In-Person as A Foreigner In Japan (2024 Updated)
TOKYO – There are two ways to open a Japan Post Bank account (Online or In-person). Read these instructions carefully, and follow the procedures that are most convenient for you.
KEY TAKEAWAYS:
- Online Application: Use the Japan Post Bank app to apply for an account with necessary documents; expect the card in two weeks.
- In-Person Application: Complete the form online and submit it at a branch; processing may take up to two weeks.
- Status Updates: Update your residency status at the bank after six months and notify any changes to avoid account issues.
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Why Choose Japan Post Bank?
Japan Post Bank is a part of the Japan Post Holdings group, which is well-known for its extensive reach and customer-centric services. It is one of the largest banks in Japan by the number of accounts and ATM locations, making it a convenient choice for both residents and non-residents.
- Extensive Network: Japan Post Bank ATMs are available in nearly every post office across Japan, providing easy access to banking services.
- Multilingual Support: The bank offers services and information in multiple languages, including English, Chinese, Korean, Indonesian and Vietnamese, making it easier for non-Japanese speakers to manage their banking needs.
- Simplified Account Opening: Japan Post Bank does not require a personal seal (hanko); a signature is sufficient. This simplifies the account opening process for foreigners significantly.
Method 1: Opening An Account Online via Smartphone App
◆ Requirements:
- Smartphone: Ensure your device meets the system requirements (iPhone7 or later with iOS 13.X15.X, or Android 6.X12.X). ※NFC (IC chip reading function) is required.
- Email Address: A valid email address for communication.
- Residence Card: Must have your current address printed.
- Student ID Card: If you are a student.
- Passport: Necessary for identification.
Check on Requirements & Eligibility: Opening a Bank Account in Japan: A Step-by-Step Guide for Foreigners
◆ Steps:
Step-1) Download the App: Install the official Japan Post Bank official app called 「Yucho Tetsuzuki App」(ゆうちょ手続きアプリ) from its official site (currently supports in 4 languages: Japanese, English, Chinese and Vietnamese)
Download the app on your iOS or Android device
Step-2) Prepare Your Information: Have your Residence Card, Student ID (if applicable), and Passport ready.
Step-3) Install the App and Follow Instructions:
- Read Terms and Conditions: Make sure to understand the terms before proceeding.
- Scan IDs: Use the app to scan your identification documents.
- Take Photos: Capture clear photos of your IDs and your face for verification.
- Input Necessary Information: Enter your personal details, including your country of residence and address. If your address is in Japan and your country of residence is different, specify the reason (e.g., “To study abroad”). Check this for Essential Japanese phrases when opening a bank account.
Step-4) Submit the Application: Complete the application process by following the app’s instructions.
Step-5) Receive Your Cash Card: Once your application is approved, your cash card will be sent to you by registered mail within approximately two weeks.
※Important Notes:
- Notification of Delivery: If you are not home at the time of delivery, a redelivery notice will be placed in your mailbox. Follow the instructions below on the notice to receive your card. You can request redelivery through the Japan Post redelivery service (日本語, English).
- Separate Deliveries: The cash card and PIN will be sent separately. Ensure to track and receive both items.
Method 2: Applying in Person at a Japan Post Bank Branch
◆ Requirements:
- Residence Card: With your current address printed.
- Student ID Card: If you are a student.
- Passport: For identification.
- Application Form: Complete and print the application form from the Japan Post Bank website (support in more than 16 languages including English, French, Indonesian, Vietnamese,…).
- Personal Seal (Inkan): Optional but recommended for registering your signature.
Check on Requirements & Eligibility: Opening a Bank Account in Japan: A Step-by-Step Guide for Foreigners
◆ Steps:
Step-1) Access the Application Form: Download and fill out the form from the Japan Post Bank website👇
Step-2) Print the Form: Print the completed form on A4 size paper.
Step-3) Visit a Branch: Take the printed form and your identification documents to a Japan Post Bank branch.
Step-4) Submit Your Application: Provide your documents and form to the bank staff. The process may take up to two weeks, but sometimes accounts can be opened on the same day.
Step-5) Receive Your Bankbook and Cash Card:The bankbook can often be issued immediately, but the cash card will be sent by registered mail later.
※Important Notes:
- Language Assistance: Most staff at Japan Post Bank branches speak only Japanese. It is recommended to bring someone who can assist with the language if needed.
- Appointment: Some branches may require an appointment, especially in busy areas. Check with your local branch for specific requirements.
After Opening Your Account
- Change of Status: If your status changes from non-resident to resident, update your status at the bank after six months of entry into Japan to avoid delays in transactions. Refer to this website for more details.
- Inform of Changes: Notify the bank of any changes to your residence status or personal details to prevent account suspension.
- Close Your Account When Leaving Japan: Ensure to close your account before leaving Japan, or designate a proxy to handle the closure if necessary.
Bonus Tips
- Security: Manage your PIN and bankbook securely. Avoid sharing your PIN and keep your documents in a safe place.
- Transaction Limits: Be aware of daily withdrawal limits and adjust them if necessary by visiting a bank branch.
- Utilise Online Banking: Use Yucho Direct for internet banking to manage your account conveniently.
- How to read your Yucho bankbook: ⬇︎
Conclusion
By following these steps and tips, you can successfully open and manage a Japan Post Bank account as a foreigner in Japan. For more detailed information, refer to the Japan Post Bank’s official website or contact their customer service.
References
- Japan Post Bank
- Kyoto University Student Support Centre
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