This page compares 9 accounts available in Japan, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 7 can be opened fully online, 0 explicitly accept non-residents, 9 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Rakuten Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.5 |
| Sony Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.4 |
| PayPay Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.3 |
| SBI Sumishin Net Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费（按等级给 ATM/转账免费次数） | Online | Conditional | ★ 4.3 |
| au Jibun Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.2 |
| GMO Aozora Net Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4.1 |
| Minna Bank | Japan | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| MUFG Bank | Japan | Traditional Bank | 无首存要求（1 日元即可开户） | 免账户管理费 | Must visit | Conditional | ★ 3.9 |
| SMBC | Japan | Traditional Bank | 无首存要求 | 免账户管理费 | Must visit | Conditional | ★ 3.5 |
None of the 9 accounts on this page is open to non-residents without conditions, but 8 accept foreigners who meet extra requirements (MUFG Bank, SMBC, Sony Bank) — typically a valid visa or residence permit, and usually an in-branch visit. See each account page for details.
Not necessarily. 7 of the 9 accounts can be opened fully online (Sony Bank, Rakuten Bank, PayPay Bank), with no branch visit; the remaining 2 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 9 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.