<\/p>\n
Relocating to Tokyo is an exciting adventure\u2014but once the thrill of arrival fades, you\u2019ll 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.<\/p>\n
In this guide, we\u2019ll walk you through the crucial steps you need to take after securing housing\u2014ensuring your Tokyo life starts off smoothly and efficiently.<\/p>\n
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.<\/p>\n
To open a bank account, prepare the following:<\/p>\n
Residence Card (\u5728\u7559\u30ab\u30fc\u30c9)<\/strong>: Proof of legal residency.<\/p>\n<\/li>\n J\u016bminhy\u014d (\u4f4f\u6c11\u7968 \/ Residence Certificate)<\/strong>: Obtainable from your ward office after registering your address.<\/p>\n<\/li>\n Phone Number in Japan<\/strong>: Required by most banks.<\/p>\n<\/li>\n Inkan\/Hanko (Personal Seal)<\/strong>: While less common now, some traditional banks still require one.<\/p>\n<\/li>\n Proof of Employment or Student Status<\/strong> (optional but sometimes requested).<\/p>\n<\/li>\n<\/ul>\n \u26a0\ufe0f Note: You often need a phone number before opening a bank account\u2014yet getting a phone number may require a bank account. This paradox is frustrating but solvable by choosing foreigner-friendly providers like Shinsei Bank.<\/em><\/p>\n Here are the best options for foreigners:<\/p>\n Shinsei Bank<\/strong><\/p>\n Entire application process available in English<\/p>\n<\/li>\n No inkan required<\/p>\n<\/li>\n Offers international wire transfers, multi-currency accounts<\/p>\n<\/li>\n Online banking is user-friendly<\/p>\n<\/li>\n<\/ul>\n<\/li>\n Prestia SMBC Trust Bank<\/strong><\/p>\n Excellent English support<\/p>\n<\/li>\n International services, including wealth management<\/p>\n<\/li>\n<\/ul>\n<\/li>\n Japan Post Bank (\u3086\u3046\u3061\u3087\u9280\u884c)<\/strong><\/p>\n Wide ATM network, available even in rural areas<\/p>\n<\/li>\n Less English support, but great for utility payments and general banking<\/p>\n<\/li>\n<\/ul>\n<\/li>\n Rakuten Bank \/ Sony Bank<\/strong><\/p>\n Online-only, excellent tech features<\/p>\n<\/li>\n May require some Japanese proficiency for setup and support<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n Pro Tip: If you’re a student or unemployed, Shinsei Bank is your best bet. It\u2019s among the few that don\u2019t require income proof or a full-time job contract.<\/em><\/p>\n Japan\u2019s mobile phone industry is known for confusing contract structures and strict ID verification. But don\u2019t worry\u2014more foreigner-friendly providers have emerged in recent years.<\/p>\n Residence Card<\/strong><\/p>\n<\/li>\n A valid visa<\/strong> (usually at least 3 months)<\/p>\n<\/li>\n Japanese address<\/strong><\/p>\n<\/li>\n Japanese bank account or credit card<\/strong><\/p>\n<\/li>\n<\/ul>\n Some companies will accept foreign-issued credit cards, while others require local billing information.<\/p>\n NTT Docomo<\/strong>, au by KDDI<\/strong>, SoftBank<\/strong><\/p>\n Most reliable coverage<\/p>\n<\/li>\n English support at select branches<\/p>\n<\/li>\n Long-term contracts (2 years is common)<\/p>\n<\/li>\n More expensive<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n Rakuten Mobile<\/strong> \u2013 Offers unlimited data, contracts are more flexible<\/p>\n<\/li>\n IIJmio<\/strong> \u2013 One of the cheapest options, Japanese required<\/p>\n<\/li>\n UQ Mobile<\/strong>, Y!mobile<\/strong>, LINEMO<\/strong> \u2013 Lower-cost plans using major networks<\/p>\n<\/li>\n<\/ul>\n Mobal<\/strong> \u2013 Designed for foreigners, no Japanese credit card needed<\/p>\n<\/li>\n Sakura Mobile<\/strong> \u2013 Great for students, offers pocket WiFi and prepaid SIMs<\/p>\n<\/li>\n Japan Wireless<\/strong> \u2013 Offers rental routers and SIMs, short-term only<\/p>\n<\/li>\n<\/ul>\n Data-Only SIMs<\/strong>: For tablets or temporary access<\/p>\n<\/li>\n Voice + Data SIMs<\/strong>: Needed for long-term use, contracts, and bank accounts<\/p>\n<\/li>\n Prepaid SIMs<\/strong>: Convenient for visitors or soft landing period<\/p>\n<\/li>\n<\/ul>\n \u23f3 Expect to spend 30 minutes to 2 hours at the store for setup, depending on your documentation and language preference.<\/em><\/p>\n 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.<\/p>\n Where to Buy<\/strong>: Train stations, airports, convenience stores<\/p>\n<\/li>\n Deposit<\/strong>: Usually \u00a5500 (refundable)<\/p>\n<\/li>\n Top-Up Methods<\/strong>: Ticket machines, convenience stores, mobile apps<\/p>\n<\/li>\n Compatible With<\/strong>: All major train lines, most buses, vending machines, and convenience stores<\/p>\n<\/li>\n<\/ul>\n iPhones (with Face ID or newer) and some Android models can register Suica\/Pasmo in Apple Pay or Google Wallet\u2014ideal for a tap-and-go lifestyle.<\/em><\/p>\n If you ride the same route daily, consider a commuter pass (\u5b9a\u671f\u5238 \/ teiki-ken)<\/strong>. It allows unlimited travel between two stations and can save you money.<\/p>\n After moving into your apartment, setting up basic services is essential. Here\u2019s how to do it:<\/p>\n You may need to contact each provider individually. Some landlords assist with this; in other cases, you\u2019ll get info during the key handover.<\/p>\n Required Info<\/strong>:<\/p>\n Address<\/p>\n<\/li>\n Move-in date<\/p>\n<\/li>\n Name and contact number<\/p>\n<\/li>\n Bank account or payment method<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n You\u2019ll receive monthly bills, which can be paid by:<\/p>\n Direct debit<\/p>\n<\/li>\n At a convenience store<\/p>\n<\/li>\n Online through your bank or app<\/p>\n<\/li>\n<\/ul>\n \u26a0\ufe0f Gas setup often requires a technician to visit your apartment\u2014schedule this ASAP.<\/em><\/p>\n SoftBank Hikari<\/strong><\/p>\n<\/li>\n AU Hikari<\/strong><\/p>\n<\/li>\n Nuro Hikari<\/strong> (fastest but limited availability)<\/p>\n<\/li>\n<\/ul>\n Installation can take 2\u20134 weeks. Use pocket WiFi as a temporary solution during this gap.<\/em><\/p>\n Compare plans at websites like:<\/p>\n Kakaku.com<\/p>\n<\/li>\n ISP comparison sites with English filters<\/p>\n<\/li>\n<\/ul>\n Garbage disposal in Tokyo is strict and varies by ward<\/strong>. Common categories:<\/p>\n Burnable (\u53ef\u71c3\u3054\u307f)<\/strong><\/p>\n<\/li>\n Non-burnable (\u4e0d\u71c3\u3054\u307f)<\/strong><\/p>\n<\/li>\n PET bottles \/ plastics<\/strong><\/p>\n<\/li>\n Cans, glass, paper<\/strong><\/p>\n<\/li>\n<\/ul>\n Your ward office provides color-coded bags or sorting pamphlets in English. Follow the rules\u2014improper sorting may result in fines or returned garbage.<\/p>\n Japan\u2019s konbini<\/strong> (\u30b3\u30f3\u30d3\u30cb) are lifelines for new arrivals. 7-Eleven, FamilyMart, and Lawson are open 24\/7 and located everywhere.<\/p>\n ATMs that accept international cards (especially at 7-Eleven)<\/p>\n<\/li>\n Pay utility bills by scanning your paper invoice<\/p>\n<\/li>\n Buy stamps, concert tickets, and SIM cards<\/p>\n<\/li>\n Print, fax, and copy documents<\/p>\n<\/li>\n Pickup\/drop-off packages via Yamato, Sagawa, etc.<\/p>\n<\/li>\n Buy daily food, snacks, household goods<\/p>\n<\/li>\n<\/ul>\n Most accept IC cards, credit cards, QR code payments (PayPay, Line Pay), and even foreign cards.<\/p>\n Although Japan still uses paper for many procedures, several digital services are becoming more common:<\/p>\n My Number Card (\u30de\u30a4\u30ca\u30f3\u30d0\u30fc\u30ab\u30fc\u30c9)<\/strong> \u2013 Japan\u2019s digital ID. Speeds up government procedures, health insurance access, and tax filing.<\/p>\n<\/li>\n E-Resident Portal<\/strong> \u2013 For visa updates and residence renewals<\/p>\n<\/li>\n Tokyo Ward Portals<\/strong> \u2013 Many local governments now offer English portals for taxes, housing, child support, and disaster alerts.<\/p>\n<\/li>\n<\/ul>\n Always bring a copy of your residence card and j\u016bminhy\u014d when dealing with anything official. You\u2019ll be surprised how often they\u2019re needed.<\/em><\/p>\n Navigating your new life alone can be daunting. Thankfully, Tokyo has vibrant support communities.<\/p>\n Tokyo Expat Network (Facebook)<\/strong> \u2013 Great for local advice, services, and socializing<\/p>\n<\/li>\n Meetup.com<\/strong> \u2013 Search for language exchange groups, social outings, or professional networking<\/p>\n<\/li>\n Tokyo International Communication Committee (TICC)<\/strong> \u2013 Offers cultural events, language help, and support for foreign residents<\/p>\n<\/li>\n Local community centers<\/strong> \u2013 Many offer free Japanese classes or consultations in English and other languages<\/p>\n<\/li>\n<\/ul>\n Settling into Tokyo can be a complex but rewarding process. While bureaucracy and initial friction are unavoidable, today\u2019s Tokyo is more accommodating than ever before\u2014especially for proactive expats who leverage community, tech, and foreigner-friendly services.<\/p>\n \u2705 Start with Shinsei Bank or Mobal SIM if you\u2019re unsure With a bit of patience and planning, your new life in Tokyo will soon feel not just manageable\u2014but thriving.<\/p>\n 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.<\/p>\n<\/div>\n<\/div>\n You typically need a residence card, proof of address (\u4f4f\u6c11\u7968 \/ j\u016bminhy\u014d), 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n 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\u2019t forget to book a gas technician visit if required.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n The My Number Card is a digital ID used for taxation, social security, and official procedures. While not mandatory, it\u2019s highly recommended. It streamlines public services and is increasingly required for online government services and COVID-related support programs.<\/p>\n<\/div>\n<\/div>\n It\u2019s 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.<\/p>\n<\/div>\n<\/div>\n 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.<\/p>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":8511,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[66],"tags":[],"class_list":["post-8510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tokyo-relocation-guide"],"acf":[],"yoast_head":"\nForeigner-Friendly Banks<\/h3>\n
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\n2. Getting a Mobile SIM or Phone Plan<\/h2>\n
Why It\u2019s Complicated<\/h3>\n
What You’ll Need<\/h3>\n
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Main Options<\/h3>\n
Major Carriers<\/h4>\n
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MVNOs (Budget Carriers)<\/h4>\n
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Foreign-Friendly Options<\/h4>\n
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\nTypes of SIMs<\/h3>\n
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\n3. Transit and Commuting in Tokyo<\/h2>\n
The Basics<\/h3>\n
Getting a Suica or Pasmo Card<\/h3>\n
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Commuter Passes<\/h3>\n
\n4. Registering Utilities and Internet<\/h2>\n
Electricity, Water, Gas<\/h3>\n
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\nInternet Providers<\/h3>\n
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\nTrash Sorting Rules<\/h3>\n
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\n5. Convenience Stores and Daily Essentials<\/h2>\n
Services Available:<\/h3>\n
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\n6. Digital Tools and Paperwork Tips<\/h2>\n
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\n7. Joining Local Networks and Getting Help<\/h2>\n
Popular Groups and Resources:<\/h3>\n
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\nFinal Thoughts<\/h2>\n
\u2705 Don\u2019t wait to register utilities\u2014some need technician appointments
\u2705 Carry your documents with you for every official interaction
\u2705 Use convenience stores and digital tools to simplify everyday tasks
\u2705 Join local groups to speed up your adaptation process<\/p>\n
\nFrequently Asked Questions: Daily Life Setup in Tokyo<\/h2>\n
1. Can I open a bank account in Japan without speaking Japanese?<\/h3>\n
2. What documents do I need to open a bank account?<\/h3>\n
3. Do I need a Japanese phone number before I can open a bank account?<\/h3>\n
4. What\u2019s the easiest mobile plan for foreigners in Tokyo?<\/h3>\n
5. Can I use a foreign credit card to pay for a SIM plan?<\/h3>\n
6. What is the difference between a Suica and Pasmo card?<\/h3>\n
7. Can I link my Suica card to my phone?<\/h3>\n
8. How do I pay for utilities like electricity and gas?<\/h3>\n
9. How long does it take to get home internet installed?<\/h3>\n
10. Is trash disposal in Tokyo really that strict?<\/h3>\n
11. Are convenience stores really open 24\/7?<\/h3>\n
12. Can I use foreign cards at ATMs?<\/h3>\n
13. What is the My Number card and do I need one?<\/h3>\n
14. Can I survive daily life in Tokyo without knowing Japanese?<\/h3>\n
15. Where can I ask for help or connect with other expats?<\/h3>\n