Category: Life in Japan

Japan Pension Refund 2026: How Foreigners Claim ¥400,000+ When Leaving Japan

📋 2026 Update: Lump-Sum Withdrawal Cap Raised to 60 Months

🧮 New: Try our free Pension Refund Calculator — estimate your lump-sum withdrawal in 10 seconds.

The maximum payout period for the Lump-Sum Withdrawal Payment (脱退一時金) has been raised from 36 months to 60 months. Long-term residents leaving Japan can now receive a significantly larger refund. With 60 months of Employees’ Pension contributions, you’ll receive approximately 5.5 months’ equivalent back (vs. 3.3 months under the old 36-month cap). Apply within 2 years of leaving Japan at your nearest pension office or via Japan Pension Service (JPS) online.

Japan’s Pension System: What Every Foreigner Needs to Know

If you live and work in Japan, you are legally required to enroll in Japan’s pension system — regardless of your nationality. This surprises many expats, but it’s true: Japan’s National Pension (国民年金 / Kokumin Nenkin) and Employees’ Pension Insurance (厚生年金 / Kosei Nenkin) are mandatory for all residents aged 20–59.

The good news is that Japan has Social Security Agreements with many countries to prevent double contributions, and there’s a Lump-Sum Withdrawal Payment (脱退一時金) system that lets you reclaim some contributions when you leave Japan permanently.

Two Types of Pension in Japan

1. National Pension (国民年金 / Kokumin Nenkin)

This is the basic pension for all residents aged 20–59. Monthly contribution: ¥16,980 (2024 rate, adjusted annually). Self-employed workers, students, and those not covered by workplace pension pay this directly. If enrolled for the full 40 years (480 months), you receive approximately ¥816,000/year (¥68,000/month) in retirement.

2. Employees’ Pension Insurance (厚生年金 / Kosei Nenkin)

If you work for a Japanese company, you’re automatically enrolled in the Employees’ Pension. Contributions are approximately 18.3% of your monthly salary, split equally between you and your employer (you pay ~9.15%). This pension pays more than the National Pension and includes the National Pension within it — so you’re covered for both.

Enrollment: How and Where

Company Employees

Your employer handles enrollment automatically when you start work. Your contributions are deducted directly from your salary. No action required on your part beyond providing your My Number.

Self-Employed, Freelancers, Students

Visit your local City/Ward Office (市区町村役所)
Bring your Residence Card (在留カード), My Number, and passport
Complete the enrollment form (国民年金被保険者資格取得届)
Receive your Pension Book (年金手帳) or confirmation
Pay monthly via bank transfer, convenience store, or credit card

Pension Contribution Costs (2024)

Pension Type	Monthly Contribution	Who Pays
National Pension	¥16,980	You (100%)
Employees’ Pension	~9.15% of salary	You + Employer (50/50)
Spouse (Dependent) Category 3	¥0	Covered by spouse’s enrollment

Exemptions and Reductions

If you’re struggling financially, Japan offers National Pension payment exemptions:

Full Exemption (全額免除): Pay nothing, but receive reduced future pension (half the normal amount for exempt periods)
3/4 Exemption, Half Exemption, 1/4 Exemption: Partial payments accepted
Student Special Payment System: Students can defer payments until after graduation
Young People (Under 50) Special Exemption: For those under 50 with low income

Apply for exemptions at your local city office. Exempt periods still count toward your enrollment period for eligibility purposes.

Social Security Agreements: Avoid Double Contributions

Japan has Social Security Agreements with these countries to prevent paying into two pension systems simultaneously:

🇺🇸 United States | 🇬🇧 United Kingdom | 🇩🇪 Germany | 🇫🇷 France
🇰🇷 South Korea | 🇨🇳 China | 🇨🇦 Canada | 🇦🇺 Australia
🇧🇪 Belgium | 🇳🇱 Netherlands | 🇮🇹 Italy | 🇪🇸 Spain | 🇨🇿 Czech Republic
🇧🇷 Brazil | 🇸🇰 Slovakia | 🇭🇺 Hungary | 🇮🇳 India | 🇵🇭 Philippines

If your country has an agreement with Japan, you may be exempt from Japanese pension contributions if you’re on a short-term assignment (typically under 5 years) and continue contributing to your home country’s system. Check with your employer’s HR department or a pension specialist.

The Lump-Sum Withdrawal Payment (脱退一時金)

This is one of the most important things for expats to know. If you leave Japan permanently and have contributed to the National Pension for at least 6 months, you can claim a one-time lump-sum refund of part of your contributions.

How to Claim

Leave Japan (your residence registration is cancelled)
Apply within 2 years of leaving Japan
Submit the application to the Japan Pension Service from abroad
Provide: passport copy, bank account details (overseas), proof of leaving Japan, pension book/number
The payment is made in Japanese yen to your designated overseas bank account
A 20.42% withholding tax is deducted, but you may be able to reclaim some via your home country’s tax treaty

Lump-Sum Payment Amounts (2024)

Months Contributed	Approximate Refund
6–11 months	¥50,940
12–17 months	¥101,880
18–23 months	¥152,820
24–29 months	¥203,760
30–35 months	¥254,700
36–41 months	¥305,640
42–47 months	¥356,580
48+ months	¥407,520

Note: Employees’ Pension (Kosei Nenkin) lump-sum amounts are higher and calculated differently based on your average standard monthly remuneration.

Can You Collect a Japanese Pension from Abroad?

Yes — if you meet the eligibility requirements. To receive a Japan pension, you must have paid into the system for a total of 10 years (120 months). If you’ve contributed for less than 10 years but have periods from a country with a Social Security Agreement, those periods may be combined to meet the threshold.

Pension payments can be sent to overseas bank accounts. You’ll need to notify the Japan Pension Service of your address changes and submit a life certificate (現況届) annually to continue receiving payments.

Useful Contacts

Japan Pension Service (日本年金機構): nenkin.go.jp/international/english
Pension Consultation (English): 0570-05-1165 (weekdays 8:30–17:15)
Local Pension Office (年金事務所): Find yours at nenkin.go.jp
My Number / Social Insurance Number: Required for all pension procedures

Frequently Asked Questions

Is pension enrollment really mandatory for foreigners?

Yes. Under the National Pension Act, all residents aged 20–59 — including foreigners on long-term visas — must enroll. Failure to pay can result in loss of exemption eligibility and reduced future benefits. Company employees are enrolled automatically.

What if I’m only in Japan for 1–2 years?

You must still enroll if you’re a registered resident. After leaving, you can apply for the Lump-Sum Withdrawal Payment within 2 years to recoup some contributions.

Can I opt out of the pension system?

No — you cannot opt out entirely. However, you can apply for an exemption if your income is below certain thresholds.

What happens to my pension if I die in Japan?

Survivor’s pension (遺族年金) may be payable to your dependents. If you have no dependents or haven’t contributed enough, a Death Lump-Sum Payment (死亡一時金) may be paid to your beneficiaries.

📊 More Japan Benefits Guides

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Rakuten Mobile — Unlimited Data NURO Mobile (by Sony)LIBMO Budget SIM

Best SIM Card in Japan for Foreigners (2026 Guide)

📱 SIM Plan Prices — May 2026

Key current prices: Rakuten Mobile ¥3,278/month unlimited · ahamo ¥2,970/month 30GB · IIJmio from ¥850/month · povo2.0 base ¥0 + topups. Most carriers offer first-month discounts — check official sites for current campaigns.

Getting a Japanese phone number and mobile plan is one of the first things you’ll need to sort out after arriving in Japan. A local number is required for bank account verification, delivery services, restaurant reservations, and much more. This guide covers everything from prepaid SIMs to full contract plans — in plain English.

📱 Quick Recommendation: For most new arrivals, Rakuten Mobile or IIJmio offer the best combination of affordability, English support, and ease of setup. For tourists or short stays, a prepaid SIM from convenience stores works great.

Japan’s Mobile Market: What You Need to Know

Japan has three major carriers (docomo, au/KDDI, SoftBank) and dozens of cheaper “MVNO” (virtual operators) that use their networks. For foreigners, the MVNOs generally offer better value and simpler sign-up processes.

Types of Plans Available

1. Prepaid SIM (Tourists & Short Stays)

Prepaid SIMs are sold at airports, convenience stores, and electronics stores. They’re ideal if you’re visiting Japan for a few weeks or just arrived and need immediate connectivity.

✅ Available immediately, no contract required
✅ Can buy at airports and Family Mart/Lawson
✅ No Japanese address required
❌ Data-only options often don’t include voice calls
❌ More expensive per GB for long-term use

Popular options: IIJmio Travel SIM, Mobal, Docomo Travel SIM

2. MVNO Contract Plans (Expats — Best Value)

MVNOs (格安SIM, kakuyasu SIM) use the big three networks at a fraction of the cost. These are the best option for expats who need a stable number for 1+ years.

✅ Cheapest monthly rates (from ¥550/month)
✅ Include Japanese phone number for calls and SMS
✅ Can use for bank account verification
❌ Requires residence card
❌ Customer service mostly in Japanese

3. Major Carrier Plans (Softbank/docomo/au sub-brands)

The big carriers’ budget sub-brands — Y!mobile (SoftBank), ahamo (docomo), and UQ mobile (au) — offer mid-tier plans with strong networks and some English support.

Best Plans for Foreigners in Japan (2026)

🏆 Rakuten Mobile — Best Overall for Expats

Rakuten Mobile has become one of the most foreigner-friendly carriers in Japan. The app is fully in English, sign-up can be done online, and the pricing is transparent.

✅ English app and website
✅ Unlimited data from ¥3,278/month (under 3GB is ¥1,078)
✅ Unlimited domestic calls with Rakuten Link app
✅ eSIM available (no physical SIM needed)
✅ Apply online with residence card
❌ Network coverage weaker in rural areas

Price: ¥1,078–¥3,278/month

IIJmio — Best Budget Plan

IIJmio is one of Japan’s most established MVNOs with excellent value data plans.

✅ Very affordable: from ¥550/month (2GB)
✅ Runs on docomo network (excellent coverage)
✅ eSIM available
✅ English application support available
❌ English customer service limited

Price: ¥550–¥2,000/month depending on data

Y!mobile — Best for Rural Areas and Network Quality

Y!mobile is SoftBank’s budget brand with excellent national coverage and some English support at stores.

✅ Strong nationwide coverage
✅ Physical stores for in-person support
✅ Includes domestic calls
❌ Pricier than pure MVNOs

Price: ¥2,178–¥4,158/month

ahamo (docomo) — Best Network Quality

ahamo is docomo’s budget brand with Japan’s best network coverage and a simple, English-friendly online interface.

✅ docomo network — best rural coverage in Japan
✅ 20GB for ¥2,970/month (flat rate)
✅ Includes 5 minutes of free domestic calls
✅ English website
❌ Only one plan option

Price: ¥2,970/month (20GB)

Mobal — Best for No-Contract Expats

Mobal offers a unique no-contract plan specifically marketed to expats and foreigners, with English customer service and flexible terms.

✅ Full English support
✅ No contract — cancel anytime
✅ Accepts foreign credit cards
❌ More expensive than local MVNOs

Comparison Table

Carrier	Price (monthly)	Data	English Support	Best For
Rakuten Mobile	¥1,078–¥3,278	Unlimited	✅ Full	Most expats
IIJmio	¥550–¥2,000	2–15GB	⚠️ Limited	Budget-conscious
ahamo	¥2,970	20GB	✅ Website	Best network
Y!mobile	¥2,178–¥4,158	3–15GB	⚠️ Store	Rural areas
Mobal	¥3,000+	Various	✅ Full	No-contract

How to Sign Up for a Japanese Mobile Plan

Online (Rakuten Mobile / IIJmio / ahamo)

Visit the carrier’s website and select your plan
Create an account
Enter your personal details and Japanese address
Upload photos of your residence card (front and back)
Verify identity — either via My Number Card NFC or video call
Choose physical SIM or eSIM delivery
Receive SIM by mail (2–5 days) or activate eSIM immediately

In-Store (Y!mobile / SoftBank / docomo)

Visit any carrier store (ドコモショップ, ソフトバンクショップ, etc.)
Bring residence card, passport, and Japanese bank card or credit card
Staff will help you select a plan and complete the application
You’ll receive your SIM card on the day

Can I Use My Foreign Phone in Japan?

Most modern smartphones are compatible with Japanese networks. Japan uses 4G LTE (Bands 1, 3, 19, 28 are most important) and 5G. iPhones from iPhone 7 onwards and most flagship Android phones work without any issues.

Check your phone’s supported bands on willmysimphoneswork.com before purchasing a SIM.

Frequently Asked Questions

Can I get a Japanese phone number without a residence card?

For contract plans, a residence card is required. Prepaid SIMs from convenience stores can be activated with just a passport for short stays.

How important is having a Japanese phone number?

Very important for daily life in Japan. Banks require it for SMS verification. Many services (delivery, restaurant reservations, appointment bookings) require a local number. It’s one of the first things to sort out after arriving.

Can I keep my foreign phone number?

You can keep using apps like WhatsApp or LINE with your foreign number. But for Japanese-specific services (banks, government, delivery), you’ll need a local Japanese number.

What about eSIM options for Japan?

Rakuten Mobile, IIJmio, ahamo, and many others now offer eSIM. If your phone supports eSIM (most recent iPhones and Android flagships do), this allows instant activation without waiting for a physical card.

Related Guides

📱 More Japan Connectivity Guides

Ad / PR: This section contains affiliate links

📶 Sign Up Online — English-Friendly Mobile Plans

Living in Japan? Rakuten Mobile offers unlimited data with free domestic calls at one simple price. NURO Mobile (by Sony) and LIBMO are excellent budget SIMs on major networks.

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Renting an Apartment in Japan as a Foreigner 2026: Beat the Guarantor System

Finding and renting an apartment in Japan as a foreigner is notoriously challenging — but it’s absolutely doable if you know the system. This guide breaks down everything: how Japanese rentals work, which services are foreigner-friendly, what all those fees mean, and how to avoid common pitfalls.

💡 Key Insight: The biggest hurdles for foreigners aren’t language or money — they’re guarantors (保証人) and landlord discrimination. The good news: dedicated foreigner-friendly services have made this much easier in recent years.

💰 On a tight budget? See the cheapest ways to live in Japan as a foreigner — share houses & no-guarantor options from ~30,000 yen move-in.

How the Japanese Rental Market Works

Japanese apartments are typically rented through a real estate agency (不動産屋), which acts as intermediary between you and the landlord. The standard process looks like this:

Browse listings online or at an agency
Visit properties you’re interested in
Apply for your chosen apartment
Pass a background/credit check
Sign the contract and pay initial costs
Move in

Understanding Initial Costs (初期費用)

Japanese rentals are famous for their high upfront costs. Here’s what to expect:

Cost	Amount	Notes
Deposit (敷金)	1–2 months’ rent	Refundable (partly), covers damage/cleaning
Key Money (礼金)	0–2 months’ rent	Non-refundable “gift” to landlord — increasingly rare
Agency Fee (仲介手数料)	1 month’s rent	Paid to the real estate agency
First Month’s Rent	1 month’s rent	Prorated if mid-month
Guarantor Fee (保証料)	0.5–1 month’s rent	Paid to a guarantor company
Fire Insurance (火災保険)	¥10,000–¥20,000/year	Required by most landlords

Total initial cost example: For a ¥80,000/month apartment, expect to pay ¥300,000–¥500,000 upfront.

Why Foreigners Sometimes Face Rejection

Some Japanese landlords are reluctant to rent to foreigners due to concerns about language barriers, different customs, or uncertainty about length of stay. This is discrimination and is legally problematic, but it still exists informally. The solution is to use services that specialize in renting to foreigners.

Best Platforms for Foreigners Renting in Japan

1. GaijinPot Apartments

GaijinPot Apartments (apartments.gaijinpot.com) is one of the most popular platforms specifically designed for foreigners. Most listings are from foreigner-friendly landlords, and the entire process can be done in English.

✅ English interface and support
✅ Foreigner-friendly landlords
✅ No guarantor required for many listings
✅ Available nationwide

2. Sakura House

Sakura House specializes in share houses and apartments for foreigners. Their application process is simple, English-friendly, and they don’t require a Japanese guarantor.

✅ Extremely easy process for newcomers
✅ No guarantor needed
✅ Great for short-term stays and newcomers
❌ Mainly share houses (private rooms in shared flats)

3. Leopalace21

Leopalace21 offers furnished studio apartments throughout Japan with flexible lease terms. Very popular with expats for short-to-medium-term stays.

✅ Furnished apartments (no need to buy furniture)
✅ Flexible short-term leases possible
✅ English support available
❌ Slightly more expensive per square meter

4. SUUMO / HOMES (with a foreigner-friendly agency)

Japan’s mainstream property portals like SUUMO (suumo.jp) and HOMES (homes.co.jp) have the widest selection. The key is working with an agency that has experience with foreign residents. Look for agencies that advertise “外国人対応” (foreigner assistance).

5. UR Housing (UR賃貸住宅)

UR (Urban Renaissance Agency) manages government-backed housing across Japan. Major benefits for foreigners:

✅ No key money, no agency fee
✅ No guarantor required
✅ Accepts foreign residents
❌ Limited availability in some areas
❌ Requires proof of income (at least 33% of annual rent in monthly income)

The Guarantor (保証人) Problem — and Solutions

Traditional Japanese leases require a Japanese guarantor — someone who promises to pay your rent if you can’t. For foreigners without Japanese family or close Japanese connections, this is the #1 barrier.

Solutions:

Guarantor companies (家賃保証会社): Most modern apartments now accept or require a paid guarantor company instead of a personal guarantor. Pay 0.5–1 month’s rent and the company serves as your guarantor.
UR Housing: No guarantor needed at all
GaijinPot / Sakura House: Many listings waive guarantor requirements for foreigners
Employer guarantees: Some Japanese companies will serve as a guarantor for their foreign employees

Documents You’ll Need for Rental Application

✅ Residence card (在留カード)
✅ Passport
✅ Proof of income (pay stubs, employment contract, tax return)
✅ My Number Card or notification letter
✅ Japanese bank account information (for automatic rent payment setup)
✅ Personal seal (印鑑) — you’ll need this for contract signing

Step-by-Step: Renting Your First Apartment in Japan

Set your budget — a common guideline is rent ≤ 1/3 of monthly income
Choose your area — consider commute time, train access, and neighborhood
Browse listings on GaijinPot, SUUMO, or contact a foreigner-friendly agency
Visit properties — schedule viewings (内見) through the agency
Apply — submit your documents and application form
Background check — wait 3–7 days for approval
Contract signing — review carefully (ask for English translation if available)
Pay initial costs — by bank transfer
Receive keys and move in
Set up utilities — electricity, gas, water, internet

Tips for a Smooth Rental Experience

🏠 Move-in inspection: Document any existing damage with photos before moving in. This prevents unfair charges when you move out.
🏠 Noise rules: Japanese apartments often have strict quiet hours. Follow building rules carefully to maintain good relations.
🏠 Garbage rules: Every neighborhood has specific days for different types of garbage. Get the local garbage schedule from your city office or landlord.
🏠 Contract renewal: Standard leases are 2 years. Renewal fees (更新料) of 1 month’s rent are common — budget for this.

Frequently Asked Questions

Can I rent an apartment in Japan without Japanese language skills?

Yes — using English-friendly platforms like GaijinPot Apartments or Sakura House makes it entirely possible. For mainstream agencies, having a Japanese-speaking friend or colleague to help can make the process smoother.

What is “key money” (礼金) and do I have to pay it?

Key money is a non-refundable payment to the landlord, typically 1–2 months’ rent. It’s a traditional custom with no modern justification. Many modern apartments and foreigner-friendly services have eliminated it — look for listings marked “礼金なし” (no key money).

How much does a typical apartment cost in Tokyo?

A 1K (studio with separate kitchen) in Tokyo typically runs ¥60,000–¥100,000/month in commutable areas. Shared houses can be ¥40,000–¥70,000/month including utilities.

Can I rent with a short-term visa?

Most landlords require a residence card, meaning a mid-to-long-term visa. Short-stay options like serviced apartments, Airbnb, or share houses may be available for shorter periods.

Related Guides

🏠 More Life in Japan Guides

🏠 Skip the guarantor hassle — foreigner-friendly housing

No guarantor, no key money, furnished and ready to move in. These two services specialize in housing for foreigners in Japan:

PR: This post contains affiliate links

🏠 Looking for an Apartment in Japan Without a Guarantor?

CrossOne Room specializes in helping foreigners find apartments in Japan — no Japanese guarantor required. Easy English-friendly process with properties across Tokyo, Osaka, and major cities.

Search Foreigner-Friendly Apartments →

PR: This article contains affiliate links.

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CrossOneRoom specializes in helping foreigners find apartments in Japan — with English-speaking staff, no guarantor requirements for many properties, and a hassle-free application process tailored to expats and international residents.

🏠 Search Foreigner-Friendly Apartments on CrossOneRoom

🗾 More Japan Life Guides

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My Number Card Japan 2026: Get Yours in 3 Weeks (Now Your Health Insurance Card Too)
🔴 IMPORTANT UPDATE: Health Insurance Cards Abolished — December 2, 2025

As of December 2, 2025, traditional health insurance cards (健康保険証) are no longer valid at hospitals and clinics. Your My Number Card is now the primary healthcare ID in Japan. If you don’t yet have a My Number Card, ask your employer or municipal office about the Eligibility Confirmation Form (資格確認書) — a temporary alternative accepted by medical facilities while you complete your card application.

The My Number Card (マイナンバーカード) has become one of the most important documents you can have as a foreign resident in Japan. Since 2024, it’s increasingly required for banking, tax filing, hospital visits, and even convenience store printing. This guide walks you through exactly how to get one as a foreigner.

📋 Quick Facts: The My Number Card is a plastic IC card containing your 12-digit Individual Number (マイナンバー). It serves as a government-issued photo ID and is increasingly essential for daily life in Japan — including opening bank accounts, online government procedures, and tax filing.

What Is My Number (マイナンバー)?

My Number (Individual Number / 個人番号) is Japan’s national identification number system, similar to Social Security numbers in the US or National Insurance numbers in the UK. Every resident of Japan — Japanese citizens and foreign residents alike — is assigned a unique 12-digit number.

There are two things to understand:
- My Number (マイナンバー) — the 12-digit number itself
- My Number Card (マイナンバーカード) — the physical IC card that proves your number and identity
When you first register your address in Japan, your local city office sends a notification letter containing your My Number. The card itself requires a separate application.

Why You Need a My Number Card

While not legally mandatory to carry, the My Number Card has become practically essential for expats:
- ✅ Banking: Required by many banks (including Rakuten Bank and Sony Bank) for online identity verification
- ✅ Tax filing: Essential for using the e-Tax (確定申告) online system
- ✅ Health insurance: From 2024, My Number Cards function as health insurance cards at most hospitals
- ✅ Government services: Access to the Myna Portal (マイナポータル) for government procedures online
- ✅ Convenience store services: Print government documents (住民票, etc.) at convenience store kiosks
- ✅ Photo ID: Accepted as official identification at most institutions
Who Can Get a My Number Card?

All residents registered in Japan’s residency system can apply, including:
- Foreign nationals with a valid residence card (在留カード)
- Foreign nationals with a Special Permanent Resident certificate
- Any visa type with a mid-to-long-term stay period
What You Need to Apply
- ✅ Your My Number notification letter (通知カード or 個人番号通知書) — sent to your registered address
- ✅ Residence card (在留カード)
- ✅ Passport
- ✅ Smartphone or computer for online application (easiest method)
How to Apply: 4 Methods

Method 1: Smartphone App (Recommended — Fastest)
1. Download the マイナポータル app or follow the QR code on your notification letter
2. Take a photo of your face and submit the application in-app
3. Wait for a pickup notification (1–2 months)
4. Bring your notification letter and ID to your city office to collect the card
Method 2: Online via PC
1. Go to mynumber-info.com and click “Apply online”
2. Upload a digital photo (white background, face clearly visible)
3. Enter your Application ID from your notification letter
4. Submit and wait 1–2 months
5. Collect the card at your city office
Method 3: At a City Office (In-Person)
1. Visit your local city/ward office
2. Ask for a My Number Card application form
3. Submit your photo and form
4. Return when notified (1–2 months) to collect your card
Method 4: At a Post Office or Convenience Store Kiosk

Some post offices and convenience store kiosks (Lawson, FamilyMart) have terminals where you can submit your application. Look for the マイナンバーカード application terminal.

Setting Up Your PIN Codes

When you collect your card, you’ll need to set up 4 PIN codes:
1. Signature Electronic Certificate PIN (署名用電子証明書) — 6–16 alphanumeric characters. Used for legal/tax filings.
2. User Certificate PIN (利用者証明用電子証明書) — 4 digits. Used for Myna Portal login.
3. Basic Resident Register PIN (住民基本台帳用) — 4 digits.
4. Card Face PIN (券面事項入力補助用) — 4 digits.
⚠️ Don’t Forget Your PINs! If you enter the wrong PIN 3 times (for the 4-digit ones) or 5 times (for the alphanumeric one), the card locks. You’ll need to go to a city office to unlock it.

Using Your My Number Card as a Health Insurance Card

Since 2024, My Number Cards double as health insurance cards (保険証) at most hospitals and clinics. When visiting a hospital:
1. Look for the card reader at the reception kiosk (it looks like a tablet stand)
2. Insert your My Number Card
3. Enter your 4-digit User Certificate PIN
4. Confirm your insurance information on screen
Not all hospitals have adopted the system yet — always bring your physical insurance card as backup until the transition is complete.

Updating Your My Number Card After Moving

When you move to a new address in Japan, you must update your My Number Card at your new city office within 14 days. Bring your card and residence card to the city office and request an address update (住所変更). This is free and takes about 15 minutes.

What Happens If You Lose Your Card?
1. Immediately call the My Number Card suspension hotline: 0120-95-0178 (24/7, free)
2. Report to your local city office to request reissuance
3. Note: reissuance takes 1–2 months and costs ¥800
Frequently Asked Questions

Is it mandatory to get a My Number Card?

The card itself is not legally mandatory (just your My Number number is assigned automatically). However, it’s increasingly required in practice for banking, tax filing, and medical services. We strongly recommend getting one as early as possible.

How long does the My Number Card take to arrive?

Typically 1–2 months from application submission to when you can collect your card. The process is slow because cards are printed and mailed to city offices in batches.

Can I use My Number Card to open a bank account?

Yes — and this is one of the main reasons expats need one. Rakuten Bank and Sony Bank use My Number Card NFC scanning for identity verification during online account opening.

What is the Myna Portal (マイナポータル)?

The Myna Portal is Japan’s government online service portal. With your My Number Card, you can check your pension records, apply for various government services, complete your tax return, and manage health insurance records — all online. The app is available in English.

Summary: Getting Your My Number Card
1. Receive your My Number notification letter at your registered address
2. Apply online via smartphone app or mynumber-info.com (fastest method)
3. Wait 1–2 months for your pickup notification
4. Go to your city office with your ID to collect the card
5. Set up your 4 PIN codes
6. Register the card with your bank, health insurance, and Myna Portal
Related Guides
🪪 More Japan Admin Guides
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2026年4月4日
Japan National Health Insurance 2026: How Much You Pay & How to Actually Use It
📋 2026 Health Insurance Updates for Foreigners
- National Health Insurance (NHI) annual premium cap for Tokyo (2026): Medical portion up to ¥920,000 + Long-term care up to ¥170,000 = total cap approximately ¥1,090,000/year
- My Number Card required from December 2, 2025: Traditional health insurance cards are abolished — use your My Number Card or the Eligibility Confirmation Form (資格確認書) at hospitals
- High-Cost Medical Care system unchanged: Monthly out-of-pocket cap varies by income — typically ¥80,100–¥252,600 per month depending on your income bracket
🏥 More Expat Life Guides
🗾 More Japan Life Guides
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2026年4月4日

How to Open a Bank Account in Japan as a Foreigner 2026: The Complete Step-by-Step Guide

Opening a bank account in Japan is one of the first things you’ll need to do as an expat or long-term resident. Whether you need to receive salary payments, pay rent by bank transfer, or simply manage daily expenses, a Japanese bank account is essential for life in Japan.

The good news: it’s more accessible than ever in 2026. Several banks now have English-language apps and simplified procedures for foreign residents. This guide walks you through everything — from which banks accept foreigners to the exact steps you need to follow.

🏦 Quick Answer: For most foreigners, Japan Post Bank (ゆうちょ銀行) is the easiest option with no minimum residency period. For a full English experience, Rakuten Bank or Sony Bank are excellent online alternatives.

Do You Need a Japanese Bank Account?

In short — yes, if you plan to stay in Japan for more than a few months. Here’s why:

Salary payments: Most Japanese employers pay salaries directly into a Japanese bank account
Rent: Many landlords require automatic bank transfer (口座振替) for monthly payments
Utilities: Electricity, gas, and water bills are typically paid by bank debit
PayPay & IC cards: Linking a Japanese bank account lets you top up IC cards and digital wallets
Government transfers: Tax refunds, benefit payments, and My Number-linked services use Japanese accounts

What Documents Do You Need?

Requirements vary slightly by bank, but you’ll typically need:

✅ Residence Card (在留カード) — most important document
✅ Passport
✅ Japanese mobile phone number (you’ll receive a verification SMS)
✅ Japanese address (must match your residence card)
✅ My Number (マイナンバー) — required by some banks since 2024

⚠️ The 6-Month Rule: Many major banks (SMBC, MUFG, Mizuho) require you to have lived in Japan for at least 6 months before opening an account. Japan Post Bank is a notable exception — you can open an account from day one.

Best Banks for Foreigners in Japan (2026)

1. Japan Post Bank (ゆうちょ銀行) — Best for New Arrivals

Japan Post Bank is hands-down the most accessible bank for foreigners new to Japan. With over 24,000 ATMs at post offices and convenience stores nationwide, it’s also one of the most convenient.

✅ No minimum residency period required
✅ Accepts tourist and short-stay visas in some cases
✅ Available across all of Japan including rural areas
✅ Free ATM withdrawals at post offices
❌ No English-language app (Japanese only)
❌ International transfers are complicated

How to apply: Visit any post office with your residence card and passport. Fill out the application form (staff can usually help with English). You’ll receive your cash card by mail within 1–2 weeks.

2. Rakuten Bank (楽天銀行) — Best Online Bank

Rakuten Bank is Japan’s largest internet bank and an excellent choice for tech-savvy expats. The app and website are available in English, and you can open an account entirely online.

✅ English-language app and website
✅ Fully online application (no branch visit needed)
✅ Free ATM withdrawals (conditions apply)
✅ Earn Rakuten Points on transactions
✅ Works seamlessly with Rakuten ecosystem (shopping, travel)
❌ Requires 6+ months of residence
❌ No physical branches for in-person support

How to apply: Apply online via the Rakuten Bank website or app. You’ll need to upload photos of your residence card and passport, then verify your identity with a video call or My Number card.

3. Sony Bank (ソニー銀行) — Best for International Transactions

Sony Bank is the top choice for expats who frequently send or receive money internationally. It offers some of the best foreign exchange rates in Japan and low-cost international wire transfers.

✅ Best forex rates among Japanese banks
✅ Low-cost international wire transfers
✅ English support available
✅ Multi-currency accounts (USD, EUR, GBP, etc.)
❌ Application requires Japanese phone number and address
❌ Online-only, no physical branches

4. SMBC / MUFG / Mizuho — Major City Banks

Japan’s three mega-banks accept foreign residents but are significantly more difficult to work with. Expect Japanese-only paperwork, strict residency requirements, and staff who may not speak English outside major city branches.

✅ Wide ATM network
✅ Salary account accepted by all major employers
❌ Usually requires 6 months of residence
❌ Japanese-only application process
❌ Limited English support

Tip: If your employer requires a specific bank, go with what they recommend. Otherwise, start with Japan Post Bank while you wait to qualify for better options.

5. WISE (Formerly TransferWise) — Best for Sending Money Home

While not a traditional Japanese bank, WISE offers a Japanese account number that functions like a local bank for receiving salary or transferring money internationally at near-market rates. It’s a great supplement to your main Japanese account.

Step-by-Step: Opening a Japan Post Bank Account

Here’s the exact process for Japan Post Bank, the most accessible option for new arrivals:

Find your nearest post office — any post office works, but larger ones have more staff who can assist foreigners
Bring your documents — residence card + passport (+ My Number card if you have it)
Ask for a savings account (普通貯金口座) — you can say “Futsu chochiku koza wo hirakitai desu”
Fill in the application form — staff will usually help guide you through it
Choose your PIN
Wait 1–2 weeks for your cash card to arrive by mail
Activate your card at a post office ATM

Step-by-Step: Opening a Rakuten Bank Account Online

Visit rakuten-bank.co.jp and select “Apply for an account”
Create a Rakuten ID if you don’t have one
Fill in your personal details — name, address, date of birth
Upload document photos — residence card (front and back) + passport
Complete identity verification — either video call or My Number card NFC scan
Wait for approval — typically 3–5 business days
Receive your account number by email
Set up the app — available in English on iOS and Android

Opening a Bank Account Without a Japanese Phone Number

A Japanese phone number is required by most banks for SMS verification. If you just arrived and don’t have one yet, here are your options:

Get a prepaid SIM card (IIJmio, Rakuten Mobile) — these can be purchased at convenience stores or airports
Use a friend or colleague’s number temporarily (not ideal)
Apply for Japan Post Bank in-person, which sometimes doesn’t require an SMS step

We have a full guide on Best SIM Cards and Pocket WiFi in Japan to help you get connected first.

Common Mistakes to Avoid

❌ Trying a major bank first — SMBC and MUFG will likely reject you if you’ve been in Japan less than 6 months
❌ Going without all documents — Missing your residence card or My Number will mean a wasted trip
❌ Using a foreign address — Your bank account address must match your Japanese residence card
❌ Not activating your card — Japan Post cards require activation at an ATM before first use

Frequently Asked Questions

Can I open a bank account in Japan on a tourist visa?

Generally no. Most banks require a valid residence card (在留カード), which is issued only to those with a mid-to-long-term visa (working, student, family, etc.). Japan Post Bank may accept certain visa types in limited cases.

How long does it take to open a bank account in Japan?

In-person at Japan Post Bank, the paperwork takes about 30 minutes, and your card arrives in 1–2 weeks. Online banks like Rakuten Bank typically take 3–7 business days from application to account activation.

Can I have multiple Japanese bank accounts?

Yes, there’s no restriction on having accounts at multiple banks. Many expats use Japan Post Bank as their primary account and Rakuten Bank or Sony Bank for online shopping and international transfers.

Do I need a Japanese bank account to use PayPay?

Not necessarily — you can fund PayPay with a foreign credit card. However, linking a Japanese bank account unlocks higher payment limits and the ability to transfer money to other people.

What is a bank passbook (通帳) and do I need one?

A passbook is a physical record of your transactions, common at traditional Japanese banks. Online banks like Rakuten Bank don’t use passbooks — everything is digital instead.

Summary: Which Bank Should You Choose?

Bank	Best For	Min. Residency	English App
Japan Post Bank	New arrivals	None	❌
Rakuten Bank	Online banking	6 months	✅
Sony Bank	International transfers	6 months	Partial
SMBC / MUFG	Employer requirement	6 months	❌
WISE	Sending money abroad	None	✅

For most new expats, the recommended path is: Japan Post Bank first → then Rakuten Bank after 6 months. This gives you immediate banking access while setting up a better long-term solution.

Related Guides

🏦 More Essential Japan Guides

🗾 More Japan Life Guides

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Amazon Japan Sale Guide 2026: Dates & Best Deals

It’s that time of year again — Amazon Japan’s Shinseikatsu (新生活) Sale, one of the biggest shopping events of the year, is in full swing through early April 2026. As an expat living in Japan, this is your perfect chance to grab high-quality Japanese and international gadgets at heavily discounted prices.

Whether you’re setting up a new apartment, upgrading your home tech, or just looking for great deals, we’ve hand-picked the 5 best gadgets to buy right now during the Amazon Japan Spring Sale.

⏰ Sale Alert: Amazon Japan’s Shinseikatsu Sale runs through early April 2026. Prices and availability may change — act fast on your favorites!

What Is Amazon Japan’s Shinseikatsu Sale?

The Shinseikatsu (新生活) Sale — literally “New Life Sale” — coincides with Japan’s April new beginnings: new school years, new jobs, new apartments. Amazon Japan offers massive discounts on electronics, home appliances, and daily essentials.

Discounts of 20–50% off popular electronics
Extra coupon codes that stack on top of sale prices
Amazon Prime members get early access and free same-day delivery
International brands (Anker, Sony) alongside Japanese brands (Panasonic, Sharp)

How to Shop Amazon Japan as an Expat

Amazon Japan (amazon.co.jp) works just like Amazon.com. Your existing Amazon account works, Chrome auto-translates the page, and delivery to your Japanese address is straightforward. Amazon Prime Japan (¥600/month) is highly recommended for free fast shipping and Prime Video Japan access.

Top 5 Amazon Japan Spring Sale Picks for Expats (2026)

1. Fire TV Stick 4K Max — Stream Everything in 4K

The Fire TV Stick 4K Max is the best streaming device available in Japan, supporting all major Japanese streaming services (Netflix, Prime Video, Disney+, TVer) plus international platforms. With Wi-Fi 6E and a fast MediaTek processor, 4K HDR streaming is silky smooth.

Set up a VPN on the Fire TV Stick to access your home country’s streaming library, while still enjoying Japanese TV apps. Sale price: ~¥5,480–6,980 (regular ¥8,980).

Resolution	4K Ultra HD, HDR10+, Dolby Vision
Connectivity	Wi-Fi 6E (tri-band)
Sale Price	~¥5,480–6,980 (reg. ¥8,980)

2. Kindle Paperwhite — Japan’s Favorite E-Reader

The Kindle Paperwhite is consistently one of Japan’s best-selling e-readers. With a 6.8-inch glare-free display, adjustable warm light, and IPX8 waterproofing, it’s perfect for reading on trains, at onsens, or anywhere in Japan.

For expats: access English books instantly from Amazon Japan’s massive international Kindle store, or start exploring Japanese manga as your Japanese improves. Kindle Unlimited Japan (¥980/month) includes 200,000+ Japanese titles. Sale price: ~¥14,980–16,980.

Display	6.8-inch, 300 PPI glare-free
Battery	Up to 12 weeks
Waterproof	IPX8 (2m / 60 min)

3. Amazon Echo Pop — Budget Smart Home Hub

The Echo Pop is Amazon’s most affordable smart speaker. Alexa understands both English and Japanese commands seamlessly. Use it to control smart lights, get train delay updates, set cooking timers, or play music from Spotify. Sale price: ~¥2,480–2,980 (regular ¥4,980).

Languages	English & Japanese
Smart Home	Alexa compatible
Sale Price	~¥2,480–2,980 (reg. ¥4,980)

4. Anker PowerCore 10000 — Essential for Japan’s Long Commutes

At just 180g, the Anker PowerCore 10000 is the perfect commuter companion. It delivers 2+ full iPhone charges and slips easily into any bag. During the spring sale it drops to ~¥2,000–2,500 — a bargain for the build quality. Essential for long Shinkansen rides and all-day sightseeing.

Capacity	10,000mAh (~2.5x iPhone charges)
Weight	180g — ultra portable
Sale Price	~¥2,000–2,500 (reg. ¥3,490)

5. Anker Soundcore P40i — Premium ANC Earbuds Under ¥8,000

The Soundcore P40i delivers adaptive ANC, 10-hour battery (50hr with case), and a rich sound profile at an unbeatable price. Block out busy train stations and pachinko parlors, then switch to transparency mode for train announcements. Sale price: ~¥4,980–5,980.

Battery	10hr (50hr with case)
ANC	Adaptive (3 modes)
Sale Price	~¥4,980–5,980 (reg. ¥7,990)

Quick Comparison Table

Product	Regular Price	Sale Price	Best For
Fire TV Stick 4K Max	¥8,980	~¥5,480	Streaming
Kindle Paperwhite	¥19,980	~¥14,980	Reading
Echo Pop	¥4,980	~¥2,480	Smart Home
Anker PowerCore 10000	¥3,490	~¥2,000	Commuting
Anker Soundcore P40i	¥7,990	~¥4,980	Commute Audio

Pro Tips for Getting the Best Deals

Use Keepa (free browser extension) to verify price history before buying. Stack Amazon Points campaigns (ポイントアップキャンペーン) for extra savings. Sign up for Amazon Prime Japan (¥600/month) for early sale access and free fast delivery. Watch for timed Lightning Deals (タイムセール) in the morning and evening.

Final Thoughts

The Amazon Japan Shinseikatsu Sale 2026 is one of the best opportunities to upgrade your tech at a fraction of the usual cost. Whether you’re a newly arrived expat or a long-term resident, these five picks offer excellent everyday value for life in Japan. Don’t wait — these deals sell out fast and the sale ends in early April!

2026年3月28日

How to Buy from Amazon Japan Overseas 2026: Buyee, Tenso & Direct Shipping

Why Buy Japanese Products from Overseas?

Japan manufactures some of the world’s best products — kitchen appliances, electronics, beauty items, and collectibles — that simply aren’t available outside Japan. Japanese versions often have exclusive features, better build quality, or are never exported at all. Buying directly from Japan has never been easier thanks to proxy shopping services.

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Navigator

How can I buy products that are only sold in Japan?

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Japan Guide

Proxy shopping services like Buyee let you buy from Amazon.co.jp, Rakuten, Yahoo Shopping, and Mercari Japan — then ship anywhere in the world. Easier than you think!

3 Ways to Buy Japanese Products

Method 1 — Amazon.com: Many Japanese products ship internationally via Amazon.com Japanese sellers. Filter by “Ships from Japan.” Easiest method; no proxy needed.

Method 2 — Buyee Proxy: Japan’s largest proxy service covering Amazon.co.jp, Rakuten, Yahoo Shopping, and Mercari. Buyee buys on your behalf and ships worldwide. Best for Japan-exclusive items.

Method 3 — ZenMarket: Specializes in Yahoo Auctions Japan — the world’s biggest Japanese secondhand marketplace. Best for rare finds, vintage items, and limited editions.

How to Use Buyee — Step by Step

Step 1: Create Account

Register at buyee.jp with your email. Fully in English. Accepts all major credit cards and PayPal. Setup takes under 5 minutes.

Step 2: Find Your Product

Search within Buyee, or browse any Japanese retailer and paste the product URL. Buyee shows Japanese price + estimated proxy and shipping fees upfront.

Step 3: Place Your Order

Complete payment through Buyee. They purchase from the Japanese retailer within 1–2 business days and notify you when it arrives at their warehouse.

Step 4: Choose Shipping

Options include EMS (5–10 days), DHL Express (3–5 days), and economical SAL (2–4 weeks). Consolidate multiple orders into one shipment for big savings.

Step 5: Receive It

Buyee ships to 100+ countries. They provide all customs documentation automatically. Import duties are the buyer’s responsibility.

Top 5 Product Categories Worth Importing

1. Japanese Kitchen Appliances

Zojirushi rice cookers, Tiger bread makers, Balmuda toasters — Japan’s kitchen appliances are globally legendary. Premium Japan-exclusive models are 30–40% cheaper on Rakuten than imported versions sold abroad.

2. Japanese Beauty & Skincare

SK-II, DHC, Shiseido, Hada Labo — Japanese skincare is globally coveted. Japan-market formulations are often superior to export versions. Buy directly from Rakuten for authenticity and exclusive products.

3. Anime, Manga & Collectibles

Limited-edition merchandise and Japan-exclusive figures never reach international retailers. Yahoo Auctions Japan via ZenMarket is the best source for rare and vintage collectibles at genuine Japanese prices.

4. Japanese Streetwear & Fashion

BAPE, Undercover, Sacai — Japan-exclusive drops never reach international markets. Mercari Japan via Buyee has incredible secondhand finds at 30–70% below retail prices.

🇯🇵 Buy on Amazon Japan

5. Japanese Electronics & Gadgets

Sony, Panasonic, Sharp release Japan-exclusive models with features absent from export versions. Often cheaper on Rakuten than international resellers even after proxy fees.