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Banking, SIM Cards, and Daily Life Setup in Tokyo

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Banking, SIM Cards, and Daily Life Setup in Tokyo: A Complete Guide for Newcomers

Relocating to Tokyo is an exciting adventure—but once the thrill of arrival fades, you’ll face a series of practical challenges. Setting up your new life in Japan means handling essentials like opening a bank account, getting mobile service, and registering for utilities. Though some procedures still involve paperwork and patience, Tokyo has become far more accessible to foreigners in recent years, with many services offering English support.

In this guide, we’ll walk you through the crucial steps you need to take after securing housing—ensuring your Tokyo life starts off smoothly and efficiently.


1. Opening a Bank Account in Japan

Why It’s Important

A Japanese bank account is necessary for everything from receiving your salary to paying rent and mobile phone bills. Even setting up certain government services and utilities will require a local account.

What You Need to Open an Account

To open a bank account, prepare the following:

  • Residence Card (在留カード): Proof of legal residency.

  • Jūminhyō (住民票 / Residence Certificate): Obtainable from your ward office after registering your address.

  • Phone Number in Japan: Required by most banks.

  • Inkan/Hanko (Personal Seal): While less common now, some traditional banks still require one.

  • Proof of Employment or Student Status (optional but sometimes requested).

⚠️ Note: You often need a phone number before opening a bank account—yet getting a phone number may require a bank account. This paradox is frustrating but solvable by choosing foreigner-friendly providers like Shinsei Bank.

Foreigner-Friendly Banks

Here are the best options for foreigners:

  • Shinsei Bank

    • Entire application process available in English

    • No inkan required

    • Offers international wire transfers, multi-currency accounts

    • Online banking is user-friendly

  • Prestia SMBC Trust Bank

    • Excellent English support

    • International services, including wealth management

  • Japan Post Bank (ゆうちょ銀行)

    • Wide ATM network, available even in rural areas

    • Less English support, but great for utility payments and general banking

  • Rakuten Bank / Sony Bank

    • Online-only, excellent tech features

    • May require some Japanese proficiency for setup and support

Pro Tip: If you’re a student or unemployed, Shinsei Bank is your best bet. It’s among the few that don’t require income proof or a full-time job contract.


2. Getting a Mobile SIM or Phone Plan

Why It’s Complicated

Japan’s mobile phone industry is known for confusing contract structures and strict ID verification. But don’t worry—more foreigner-friendly providers have emerged in recent years.

What You’ll Need

  • Residence Card

  • A valid visa (usually at least 3 months)

  • Japanese address

  • Japanese bank account or credit card

Some companies will accept foreign-issued credit cards, while others require local billing information.

Main Options

Major Carriers

  • NTT Docomo, au by KDDI, SoftBank

    • Most reliable coverage

    • English support at select branches

    • Long-term contracts (2 years is common)

    • More expensive

MVNOs (Budget Carriers)

  • Rakuten Mobile – Offers unlimited data, contracts are more flexible

  • IIJmio – One of the cheapest options, Japanese required

  • UQ Mobile, Y!mobile, LINEMO – Lower-cost plans using major networks

Foreign-Friendly Options

  • Mobal – Designed for foreigners, no Japanese credit card needed

  • Sakura Mobile – Great for students, offers pocket WiFi and prepaid SIMs

  • Japan Wireless – Offers rental routers and SIMs, short-term only


Types of SIMs

  • Data-Only SIMs: For tablets or temporary access

  • Voice + Data SIMs: Needed for long-term use, contracts, and bank accounts

  • Prepaid SIMs: Convenient for visitors or soft landing period

Expect to spend 30 minutes to 2 hours at the store for setup, depending on your documentation and language preference.


3. Transit and Commuting in Tokyo

The Basics

Tokyo’s train and subway system is one of the best in the world. Clean, punctual, and far-reaching, it can seem overwhelming at first, but is actually quite intuitive.

Getting a Suica or Pasmo Card

  • Where to Buy: Train stations, airports, convenience stores

  • Deposit: Usually ¥500 (refundable)

  • Top-Up Methods: Ticket machines, convenience stores, mobile apps

  • Compatible With: All major train lines, most buses, vending machines, and convenience stores

iPhones (with Face ID or newer) and some Android models can register Suica/Pasmo in Apple Pay or Google Wallet—ideal for a tap-and-go lifestyle.

Commuter Passes

If you ride the same route daily, consider a commuter pass (定期券 / teiki-ken). It allows unlimited travel between two stations and can save you money.


4. Registering Utilities and Internet

After moving into your apartment, setting up basic services is essential. Here’s how to do it:

Electricity, Water, Gas

You may need to contact each provider individually. Some landlords assist with this; in other cases, you’ll get info during the key handover.

  • Required Info:

    • Address

    • Move-in date

    • Name and contact number

    • Bank account or payment method

You’ll receive monthly bills, which can be paid by:

  • Direct debit

  • At a convenience store

  • Online through your bank or app

⚠️ Gas setup often requires a technician to visit your apartment—schedule this ASAP.


Internet Providers

  • SoftBank Hikari

  • AU Hikari

  • Nuro Hikari (fastest but limited availability)

Installation can take 2–4 weeks. Use pocket WiFi as a temporary solution during this gap.

Compare plans at websites like:

  • Kakaku.com

  • ISP comparison sites with English filters


Trash Sorting Rules

Garbage disposal in Tokyo is strict and varies by ward. Common categories:

  • Burnable (可燃ごみ)

  • Non-burnable (不燃ごみ)

  • PET bottles / plastics

  • Cans, glass, paper

Your ward office provides color-coded bags or sorting pamphlets in English. Follow the rules—improper sorting may result in fines or returned garbage.


5. Convenience Stores and Daily Essentials

Japan’s konbini (コンビニ) are lifelines for new arrivals. 7-Eleven, FamilyMart, and Lawson are open 24/7 and located everywhere.

Services Available:

  • ATMs that accept international cards (especially at 7-Eleven)

  • Pay utility bills by scanning your paper invoice

  • Buy stamps, concert tickets, and SIM cards

  • Print, fax, and copy documents

  • Pickup/drop-off packages via Yamato, Sagawa, etc.

  • Buy daily food, snacks, household goods

Most accept IC cards, credit cards, QR code payments (PayPay, Line Pay), and even foreign cards.


6. Digital Tools and Paperwork Tips

Although Japan still uses paper for many procedures, several digital services are becoming more common:

  • My Number Card (マイナンバーカード) – Japan’s digital ID. Speeds up government procedures, health insurance access, and tax filing.

  • E-Resident Portal – For visa updates and residence renewals

  • Tokyo Ward Portals – Many local governments now offer English portals for taxes, housing, child support, and disaster alerts.

Always bring a copy of your residence card and jūminhyō when dealing with anything official. You’ll be surprised how often they’re needed.


7. Joining Local Networks and Getting Help

Navigating your new life alone can be daunting. Thankfully, Tokyo has vibrant support communities.

Popular Groups and Resources:

  • Tokyo Expat Network (Facebook) – Great for local advice, services, and socializing

  • Meetup.com – Search for language exchange groups, social outings, or professional networking

  • Tokyo International Communication Committee (TICC) – Offers cultural events, language help, and support for foreign residents

  • Local community centers – Many offer free Japanese classes or consultations in English and other languages


Final Thoughts

Settling into Tokyo can be a complex but rewarding process. While bureaucracy and initial friction are unavoidable, today’s Tokyo is more accommodating than ever before—especially for proactive expats who leverage community, tech, and foreigner-friendly services.

✅ Start with Shinsei Bank or Mobal SIM if you’re unsure
✅ Don’t wait to register utilities—some need technician appointments
✅ Carry your documents with you for every official interaction
✅ Use convenience stores and digital tools to simplify everyday tasks
✅ Join local groups to speed up your adaptation process

With a bit of patience and planning, your new life in Tokyo will soon feel not just manageable—but thriving.


Frequently Asked Questions: Daily Life Setup in Tokyo

1. Can I open a bank account in Japan without speaking Japanese?

Yes, but your options are limited. Shinsei Bank and Prestia SMBC Trust Bank offer English-friendly services, including online applications and customer support. Most traditional banks require Japanese language ability or assistance from a native speaker. Online-only banks like Rakuten Bank offer good services but typically require Japanese proficiency.

2. What documents do I need to open a bank account?

You typically need a residence card, proof of address (住民票 / jūminhyō), a Japanese phone number, and sometimes a personal seal (inkan). Some banks also request proof of employment or student status. Bringing all relevant documents helps speed up the process.

3. Do I need a Japanese phone number before I can open a bank account?

In many cases, yes. Most banks ask for a valid Japanese phone number for account verification and notifications. However, some foreigner-friendly banks like Shinsei Bank may allow account creation before obtaining a local number. Still, having one improves your chances.

4. What’s the easiest mobile plan for foreigners in Tokyo?

Providers like Mobal and Sakura Mobile are designed for expats and students. They offer English-language support, simple contracts, and no need for a Japanese credit card. While larger carriers like SoftBank or NTT Docomo have better coverage, they often require long-term contracts and Japanese documentation.

5. Can I use a foreign credit card to pay for a SIM plan?

Some providers like Mobal accept foreign credit cards. However, most Japanese carriers and MVNOs require a Japanese credit card or bank account for recurring billing. Be sure to check the provider’s payment options before signing up.

6. What is the difference between a Suica and Pasmo card?

Functionally, they are the same. Both are IC cards that let you ride Tokyo trains, subways, and buses, and can be used at convenience stores and vending machines. The only difference is branding and issuing company. Either is fine for most users.

7. Can I link my Suica card to my phone?

Yes. If you have an iPhone with Face ID or a compatible Android phone, you can link Suica to Apple Pay or Google Wallet. This allows you to charge and use it directly from your phone. Pasmo is also supported on select devices.

8. How do I pay for utilities like electricity and gas?

Utility bills can be paid in several ways: direct debit from your Japanese bank account, in person at convenience stores, or via online banking. After move-in, your landlord or real estate agent should provide forms or instructions to register for utilities. Don’t forget to book a gas technician visit if required.

9. How long does it take to get home internet installed?

Installation typically takes 2 to 4 weeks, depending on the provider and availability of technicians. Some buildings already have contracts with certain internet providers. For short-term connectivity, consider renting a pocket WiFi from services like Sakura Mobile or Japan Wireless.

10. Is trash disposal in Tokyo really that strict?

Yes. Tokyo requires residents to separate trash into categories like burnable, non-burnable, plastics, cans, and PET bottles. Each ward has its own schedule and rules. You can usually get an English guide from your ward office or real estate agency. Failure to sort correctly may lead to non-collection or fines.

11. Are convenience stores really open 24/7?

Yes. Major convenience store chains like 7-Eleven, Lawson, and FamilyMart operate 24 hours a day, 7 days a week. They offer food, ATMs, bill payment services, ticket purchases, postal services, and more. They are vital resources for expats in Japan.

12. Can I use foreign cards at ATMs?

Yes, but only at select machines. ATMs at 7-Eleven stores, Japan Post Bank, and some airports accept foreign cards and offer English menus. Always check for international logos like Visa, Mastercard, Cirrus, or Plus before inserting your card.

13. What is the My Number card and do I need one?

The My Number Card is a digital ID used for taxation, social security, and official procedures. While not mandatory, it’s highly recommended. It streamlines public services and is increasingly required for online government services and COVID-related support programs.

14. Can I survive daily life in Tokyo without knowing Japanese?

It’s possible, especially in central Tokyo. Many services now offer English support, signage is bilingual, and apps can assist with translation. However, learning basic Japanese will significantly improve your experience and help with tasks like banking, housing, and government paperwork.

15. Where can I ask for help or connect with other expats?

Tokyo has many expat groups and resources. Facebook groups like Tokyo Expat Network, platforms like Meetup.com, and city offices like the Tokyo International Communication Committee offer support. Community centers also provide Japanese lessons, cultural events, and consultations for foreign residents.