The online bank from the Sony Group, strong in foreign-currency deposits and FX. Its yen account has no monthly fees and free ATM allowances, popular with residents who deal in multiple currencies.
You need a Japanese address and residence card, and banks generally require a minimum period of residence (commonly six months or more). Short-term visitors cannot apply. Onboarding requires a posted identity confirmation, so it is not instant.
These are stable, standing account benefits (not time-limited) — available as long as you qualify:
Limited. Foreigners with a residence card, a Japanese address and usually a minimum residence period (commonly six months) can apply. Short-term visitors to Japan cannot open an account.
The JPY savings account has no initial deposit and no minimum balance requirement (some FX products have their own minimums).
Your residence card (both sides), proof of Japanese address, a Japanese mobile number, My Number where required, and you must receive the posted identity confirmation.
The online application takes about 15 minutes, but posting the identity confirmation makes the whole process about a week.
Common reasons: too little remaining residence or too short a stay, mismatched address proof, the confirmation letter not arriving, inconsistent identity data, or failed KYC.
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.