Japanese Banking Guide
Official bank directory, account opening requirements for foreign residents, and direct links.
JapaOne - Japan life Portal never collects or stores banking credentials. All account opening procedures take place on official bank websites.
A selection of major retail and online banks, not a popularity ranking. ATM counts refer to different scopes: owned machines, partner networks or a service subset. Check each card’s scope and date. Fee examples are in JPY including tax; transfers, coins and dormant accounts may incur separate charges. Account opening is subject to identity and residency checks.
Japan Post Bank
ゆうちょ銀行Typical costs & conditions
Cash deposits/withdrawals at ATMs inside post offices and bank branches: ¥0. Other locations: ¥0–110; convenience-store partner ATMs: ¥220–330. Coin handling and other transactions may cost extra.
Current official fees & conditions ↗Reviewed: 2026-10-21
MUFG Bank
三菱UFJ銀行ATM network
28,536
Seven Bank partner network only; NOT this bank’s own or total ATM count
As of: 2026-03-31
Official ATM count source ↗Typical costs & conditions
MUFG ATM cash withdrawals with its ordinary-deposit card: daily 08:45–21:00 ¥0, otherwise ¥110. Account benefits can waive charges. Partner ATMs and transfers have separate tariffs.
Current official fees & conditions ↗Reviewed: 2026-10-21
SMBC
三井住友銀行ATM network
28,536
Seven Bank partner network only; NOT this bank’s own or total ATM count
As of: 2026-03-31
Official ATM count source ↗Typical costs & conditions
SMBC ATM cash withdrawals: weekdays 08:45–18:00 ¥0; other times ¥110. Olive waives own-ATM charges. Partner-ATM and transfer charges differ.
Current official fees & conditions ↗Reviewed: 2026-10-21
Mizuho Bank
みずほ銀行ATM network
28,536
Seven Bank partner network only; NOT this bank’s own or total ATM count
As of: 2026-03-31
Official ATM count source ↗Typical costs & conditions
Mizuho ATM weekday cash withdrawals: 08:45–18:00 ¥0; 08:00–08:45 and 18:00–23:00 ¥110; overnight ¥220. Other days, partner ATMs and benefits have different rules.
Current official fees & conditions ↗Reviewed: 2026-10-21
Resona Bank
りそな銀行ATM network
4,500
Approximately; Resona Group four banks plus VIEW ALTTE, not Resona-owned machines alone
Official approximate figure; no reference date stated.
Official ATM count source ↗Typical costs & conditions
Group-bank ATM mutual-use benefits apply; fees differ by transaction, time and partner. VIEW ALTTE does not accept deposits. Check the linked fee guide.
Current official fees & conditions ↗Reviewed: 2026-10-21
Seven Bank
セブン銀行ATM network
28,536
Seven Bank installed ATMs; historical period-end count
As of: 2026-03-31
Official ATM count source ↗Typical costs & conditions
With a Seven Bank account at Seven Bank ATMs: deposits ¥0; withdrawals 07:00–19:00 ¥0, otherwise ¥110. Transfers to other banks ¥165. Other banks’ cards have their own tariffs.
Current official fees & conditions ↗Reviewed: 2026-10-21
AEON Bank
イオン銀行ATM network
55,000
Approximately; fee-free eligible ATM network including partners; time and transaction conditions apply
Official approximate figure; no reference date stated.
Official ATM count source ↗Typical costs & conditions
AEON Bank and eligible partner ATMs offer ¥0 transactions under specified time/transaction conditions. Other partner-ATM fee waivers can be up to five times monthly with qualifying usage.
Current official fees & conditions ↗Reviewed: 2026-10-21
Rakuten Bank
楽天銀行ATM network
100,000
Approximately; partner ATM network, not bank-owned ATMs
Official approximate figure; no reference date stated.
Official ATM count source ↗Typical costs & conditions
Happy Program can provide up to seven free ATM transactions per month. Deposits of at least ¥30,000 are free. Without a waiver, Mizuho ATM withdrawals cost ¥220; other partners have their own charges.
Current official fees & conditions ↗Reviewed: 2026-10-21
SBI Shinsei Bank
SBI新生銀行ATM network
50,000
Approximately; smartphone ATM service at Seven Bank and Lawson Bank only; not the full card network
Official approximate figure; no reference date stated.
Official ATM count source ↗Typical costs & conditions
Partner convenience-store withdrawal waivers depend on account stage. The official homepage advertises at least five free withdrawals monthly; unlimited smartphone-ATM transactions require Diamond stage. Confirm your stage before use.
Current official fees & conditions ↗Reviewed: 2026-10-21
Sony Bank
ソニー銀行ATM network
28,536
Seven Bank partner network only; NOT this bank’s own or total ATM count
As of: 2026-03-31
Official ATM count source ↗Typical costs & conditions
Partner ATM deposits ¥0; withdrawals four times monthly ¥0, then ¥110. Club S can extend benefits. Online transfers to other banks: first monthly ¥0, then ¥110, with additional account benefits possible.
Current official fees & conditions ↗Reviewed: 2026-10-21
PayPay Bank
PayPay銀行ATM network
95,000
Approximately; partner ATM network, not bank-owned ATMs
Official approximate figure; no reference date stated.
Official ATM count source ↗Typical costs & conditions
First deposit and first withdrawal each month ¥0. Later transactions of ¥30,000 or more ¥0; smaller amounts ¥165 at listed partners or ¥330 at Japan Post ATMs.
Current official fees & conditions ↗Reviewed: 2026-10-21
au Jibun Bank
auじぶん銀行ATM network
90,000
Approximately; partner ATM network, not bank-owned ATMs
Official approximate figure; no reference date stated.
Official ATM count source ↗Typical costs & conditions
After stage-based free transactions: most listed partner ATMs ¥110 per deposit/withdrawal; Japan Post ATMs ¥220. Check remaining free uses in the bank app.
Current official fees & conditions ↗Reviewed: 2026-10-21