How to Open a Japan Post Bank (Yucho) Account as a Foreigner

Japan Post Bank (Yucho) is the most foreigner-friendly bank in Japan — zero maintenance fees, ATMs everywhere, and easy setup. The #1 choice for newcomers.

1. Why Yucho?

• ✅ Zero monthly fees
• ✅ ATMs at all Japan Post offices, Seven-Elevens, and most Konbini
• ✅ Accepts newly arrived foreigners
• ✅ Easy passbook (Tsucho) to track all transactions

2. Requirements

• Residence Card (Zairyu Card) with registered address
• Valid Passport
• Personal seal (Hanko) or signature

3. Steps

• Go to any Post Office (Yuubinkyoku)
• Say: "Kōza wo hirakitai desu" (I want to open an account)
• Fill out the account registration form
• Submit documents — processed in ~20–30 minutes
• Receive ATM card (Cash Card) and passbook on the day or by mail in 1–2 weeks

4. Other Good Banks for Foreigners

BankPros Seven BankFull online signup, ATM at every 7-Eleven Rakuten Bank100% online, good interest rates Sony BankEnglish support, multi-currency, great for international transfers