Kobe International Community Center

Opening a Bank Account

Opening an Ordinary Bank Account
An ordinary bank account (denominated in yen) is a very convenient account for direct debits, salary deposits and credit card payment debits etc. (In Japan, personal checking accounts are rarely opened because opportunities to pay by personal check are extremely limited.)
With an ordinary bank account you can use your cash card at ATMs (automated teller machines) for money deposits, payments, bank transfers, and checking your bank balance. ATMs can be found in banks and convenience stores.
In order to withdraw money you will need a four digit PIN (Personal Identification Number), which must be registered with the bank beforehand. 
It is safest to use a number which cannot be easily guessed by other people (i.e. do not use numbers such as your birthday or home phone number).
You cannot use a cash card, ATM or set-up direct debits on an ordinary savings account which is denominated in a foreign currency.

How to Open an Ordinary Savings Account
In order to open an account at a Japanese bank you will need proof of your identity and proof of your address in Japan.

1. At the Bank Account Consultation Window please fill out the application form provided with the following particulars:
Address, full name, date of birth, cash card PIN.
2. Apply at a consultation window with your money (the lowest amount needed is 1 yen).
3. In order to prevent money laundering you are required to submit proof of identity. Any of the following documents are acceptable:
・ Residence Card or Special Permanent Resident Card
・ Driver's license
・ Passport (plus a document which proves your address in Japan)

Upon completion of the necessary procedures you will receive your bank book. Your cash card will be delivered to your home in the following few days.

In Japan, the opening of an ordinary savings account is registered by stamping a seal (inkan). The stamping of a seal (inkan) is a distinctive part of the Japanese banking system which is used to verify a person's identity when withdrawing funds.
It is possible to sign your signature if you wish, please ask at the consultation window at the bank. However, if you use your signature instead of a seal (inkan) withdrawals will only be possible from the branch at which you opened your account.

Sending Money Abroad
There are two methods for overseas remittances: (1) Money is sent to the recipient's bank account. (2) The remitter sends an overseas remittance check, which is issued by the bank, directly to the receiver.
(1) Bank transfer
The two kinds of bank transfers include wire transfers and ordinary transfers. Wire transfers are faster than ordinary transfers, arriving in most western countries within 2-3 days. Ordinary transfers take an average of 10-14 days to arrive.
Proof of identity will be required for transfers of over 100,000 yen.

(2) Overseas Remittance Check
Have a check issued by the bank in the receiver's name and send this yourself to the receiver.

* Overseas Remittances
1. At the consultation window、have the following in hand: the overseas remittance transfer application form, the remittance documents, the designated bank & branch name, the recipient's name, the recipient's account number or the address & telephone number, the amount being transferred and as well as proof of identity or name and seal.
2. Apply at the consultation window with the money for the necessary fees and charges.
3. In accordance with regulations, the following things are necessary:
     a. Describe the purpose of the remittance on the overseas remittance form.
     b. Fill out the name of the client on the forms provided (often combined with the above overseas remittance transfer application form) and submit proof of identity.

Banks near KICC (Kobe International Community Center)

Name Language Nearby Offices URL
Mitsui Sumitomo Bank Japanese
Sannomiya Office
Sannomiya Office for foreign exchange
Tokyo-Mitsubishi UFJ Bank Japanese
Sannomiya Office web
Minato Bank Japanese Sannomiya Office web
Mizuho Bank Japanese
Kobe Office web
Shinsei Bank Japanese
Kobe Financial Center web
citibank Japanese
Kobe Office web

The translation is based on the data available as of January, 2017. Please note that new systems, system changes etc. may have been introduced after this date. Responsibility for the linked websites lies with their creators. Kobe City accepts no responsibility for their content etc.