Como abrir uma conta bancária no Japão

Como abrir uma conta bancária no Japão

O Japão é um dos países mais fascinantes do mundo que arai turistas do mundo inteiro com cidades como Osaka, Tóquio e outras sendo muito populares com estrangeiros. O Japão é incrível, tem uma economia estável e crescente, surpresas naturais e um ambiente cultural que levaria anos para alguém poder explorar por completo.

O interesse pelo país por estudantes, profissionais, aposentados e investidores continua a crescer. Assim, se você procura fazer do Japão a sua casa, aqui está nosso guia de como abrir uma conta bancária no Japão.

Documentos necessarios para abrir uma conta bancaria no Japao

Aqui esta o que precisa para abrir uma conta bancaria no Japao:

  • Identidade de Residente, o chamado Zariyu
  • Passporte
  • Visto
  • Endereco e numero telefonico no Japao
  • Um selo Hanko, que eh um selo usado no lugar de uma assinatura que e vendido em alguns estabelecimentos.

It will be easy to open an account even if you don’t speak Japanese. Most banks will have some English speaking staff that will be helpful when opening an account. Do not be surprised if they ask you if you are a member of a crime syndicate: this is a requirement by the japanese authorities.

Can I open a bank account in Japan as a non-resident?

Non-residents aren’t permitted to open an account in Japan and there are strict rules governing the matter. You cannot have a tourist visa for example and without a resident card it is impossible. It is probably a good idea to consult with the Japanese Financial Services Agency if you need any clarification on their rules.

Best banks in Japan

Being a high tech country, you will be surprised that banking in Japan is a traditional endeavour. You won’t find many banks offering online applications - for example - and cash is much more prevalent than card purchases.

We reckon Shinsei Bank, Mizuho and SMBC Trust Bank as some of the best options for expats. All of them will provide English speaking phone and online assistance at a certain level which will be helpful. Additionally there are many traditional international banks in the country such as Bank of America, ING, Barclays and many others.

  • Shinsei Bank: with more than 50 branches and nearly 100 thousand ATMs (you read that right) let’s talk about convenience here. They have good basic accounts which feature english speaking service, no nominum balance and online banking. They also have low fees for overseas ATMs which can be a great deal for those travelling a lot.
  • Mizuho: With over 500 branches and “only” 2700 ATMs they have pretty good coverage. They have a great online banking tool, multiple account types including savings and internet only accounts and a large selection of credit cards.
  • SMBC Trust Bank: with about 450 branches and few ATMs (however they have low fees for partner ATMs) their accounts are a good option including multi currency accounts, discounted currency exchange for account holders and a large selection of loan types including mortgages.

Opening a bank account in Japan is rather simple as long as you provide all the necessary documentation. Your bank card arrives in no more than 2 weeks. There will be plenty of English speaking staff in branches specially in SMBC and Shinsei Bank. Note that ATMs are everywhere including convenience stores, post offices and train stations.

Fees are low, generally speaking, as you won’t have to pay to open accounts and there is no minimum deposit requirements. There are fees for out of network ATM usage as well as off normal hours of operation charges. This is important to know as you will be faced with many options and charges will vary a lot.

The virtual bank account alternative

It is expensive to do international money transfers from Japan

If you live in Japan and need to move money abroad, chances are you will use a bank to perform the transaction. This means you are likely to be losing money in the process. This happens because banks charge above the mid market rate to transfer money in your behalf. This is the rate that banks use to transfer money to each other and they have to charge a lot on top of it in order to cover their operational costs.

For example, if you need to move 10 thousand dollars worth of Yen to India, you will only get about 9000 dollars worth of rupees bank in India thanks largely to these high costs. With a virtual bank account by B2B Pay, you would be getting 9900 dollars worth of rupees bank  in India saving you 900 euros in the process. The money also gets there faster, from weeks to day in fact, and often times in as little as 24 hours. All this plus you get your own IBAN in Europe that you can use to send and receive money within SEPA and transfer money to 32 countries in 212 currencies.

How to open a bank account in Europe

We have a few guides to guide you through the process of opening a bank account in multiple European countries and explaining why a virtual bank account with B2B Pay may be a better alternative if you are transferring money outside of Europe and taking advantage of a better rate.



How to open a bank account overseas

We have a few guides to guide you through the process of opening a bank account in multiple countries all over the world and explaining why a virtual bank account with B2B Pay may be a better alternative if you are transferring money outside of Europe and taking advantage of a better rate.


  • Barclays
  • Techstars
  • Nestholma
  • Nordea
  • Tekes
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