Open a Bank Account in Japan
Planning your move to Japan? Here is everything you need to know about open a bank account for digital nomads and expats in 2026.
Japan's banking system is notoriously archaic and paper-based.
- The Hanko (Inkan): To open a bank account or sign a lease, you often need a registered personal seal (Hanko) made of wood or plastic. Signatures are rarely accepted.
- Opening an Account: You cannot open a bank account on a tourist visa or the 6-month DNV. You need a standard Residence Card (Zairyu Card) valid for at least 6 months. Shinsei Bank or Sony Bank are the most foreigner-friendly.
- Cash is Still Heavy: While PayPay and Suica have digitized much of daily life, many small restaurants (Izakayas) and rural areas still operate strictly on cash.
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