The online bank inside the PayPay (SoftBank–Yahoo Japan) ecosystem. Its biggest edge is seamless integration with PayPay, Japan’s largest QR wallet, so your balance is directly spendable. In-app onboarding is fast.
You need a Japanese mobile number and residence card; short-stay visitors cannot apply. In-app eKYC usually completes the same day to a few days.
These are stable, standing account benefits (not time-limited) — available as long as you qualify:
Limited. Foreigners with a residence card, a Japanese mobile number and address can apply; short-stay visitors cannot.
No initial deposit and no minimum balance — the account can be opened at zero.
A Japanese mobile number, your residence card (both sides), a Japanese address, and My Number where required.
In-app eKYC takes about 10–20 minutes, with review usually the same day to a few days.
Common reasons: no Japanese number, too little remaining residence, mismatched address, or failed face / document checks.
Standing benefits: No Monthly Fee, No Min Deposit, Fully Online, Digital Bank, Fast Approval. Promotions change by region and quarter — always check the bank's official promo page (verified 2026-10).
Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.