Cash is still king β MUFG, SMBC, 7-Eleven ATMs, and navigating the unique Japanese banking system.
β’ MUFG (δΈθ±UFJ): Japan's largest. International-friendly.
β’ SMBC
(δΈδΊδ½ε): 2nd largest. Good online banking.
β’ Mizuho (γΏγγ»):
3rd largest. Wide network.
β’ Japan Post Bank (γγγ‘γ): Most accessible.
Every post office has ATM!
β’ Sony Bank: Multi-currency. Good for foreign residents.
β’
Shinsei Bank: English-friendly! Free international ATMs.
β’
Rakuten Bank: Online. Good rates.
β’ PayPay: #1 QR
payment app (cashless).
β’ WISE: Best for international transfers.
β’ Need: Residence card (ε¨ηγ«γΌγ) + Passport
β’ Address:
Must have registered address
β’ Hanko (ε°ι): Personal seal (some banks
still need it!)
β’ Wait: Some require 6 months residence
β’
Tip: Japan Post Bank / Shinsei = easiest for foreigners
β’ Japan LOVES cash: Many places still cash-only!
β’ 7-Eleven
ATMs: Accept ALL foreign cards. Best for tourists!
β’ ATM
hours: Some close at night (unlike 24/7 elsewhere)
β’ IC
Cards: Suica/Pasmo = train + konbini + vending machines
β’ Cashless
growing: PayPay, LINE Pay increasing