How to open a bank account in Japan (transfers, exchanges, cash cards…)

Where you are from, you might be able to use just one card to withdraw cash, pay in stores, and make online purchases. In Japan, these operations are done using different cards.

Cash cards

You will be given a cash card when you open a bank account in Japan. This card can only be used to withdraw cash. It cannot be used outside of Japan.

Credit cards

Credit cards are what will allow you to pay in stores or buy things online. They can also be used to withdraw cash (like cash cards). These cards can also be used abroad.

That said, it is very difficult for holders of a temporary visa like the WHV to obtain a Japanese credit card at a bank. Instead, you can consider the following two options:

• Get a prepaid card, such as the Gaica card from Shinsei Bank. With such a card, you would charge it with money and spend it how you wish.
• Apply for a credit card at a non-bank issuer, such as Rakuten (popular among foreigners and students) or even at some supermarkets.

Credit card applications are virtually all in Japanese. There are no websites or forms in English.

Paying with your IC card (transport card)

Photo: Laurent Houssin

In some places, such as in convenience stores or at vending machines (or even some shops), you can simply use your IC card to pay. This will be indicated by an IC logo sticker at the POS.

It is also possible to pay with payment apps, including PayPay and Line Pay.

Lastly, note that cheques do not exist in Japan.