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| Banks
and Other Financial Institutions |
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Financial institutions in Japan provide
a wide range of financial services. In addition to
accepting savings deposits, providing loans and offering
foreign exchange services, Japan's financial institutions
provide for automatic payment of such items as utility bills
and credit card balances. Opening an account at a
bank allows you to take advantage of these useful services.
•Bank Business Hours
Tellers'windows Mon to Fri 9:00-15:00
Automatic teller machines ("ATM")
Mon-Fri 8:45-19:00
Sat and Sun 9:00-17:00
Service hours vary from bank to bank.
Some provide 24 hour service.
•Opening an Account
If you have a permanent addrress, you can open a bank account
by completing the form available at the bank. You will need
to present a passport or Alien Registration Card to prove
your name and address. On opening an account, you can also
apply the issue of a cash card, which allows you to use
an ATM.
•Automatic Bill Payment
You can pay utility bills such as your water, gas and electricity
bills, telephone bills and NHK viewer's fee through the
time-saving automatic payment system.
Once you've applied for this system, your bills keep being
paid automatically every month, and so you don't have to
bother to remember due dates.
To apply for the automatic payment system, bring your passbook,
the personal seal with which you opened your account, and
some identification document.
•Using an ATM(Automatic Teller Machine)
Once you have opened a bank account, your bank will issue
you a cash card. You can use your cash card in an ATM to
withdraw and deposit cash and to remit money within Japan.
To withdaw cash from an ATM, insert your cash card and enter
your PIN number. Instructions on how to operate the ATM
are provided on the display of the ATM. The instructions
are usually in Japanese, however, the number of machines
with English guidance is increasing. If you require assistance,
ask the bank staff.
•Remitting Money within Japan or
Overseas
You can remit money through any bank. When you transfer
money this way, the bank teller will ask you to fill out
an application form with the name, address and telephone
number of the receiver, as well as his or her bank, branch
name, type of account and account number. International
remitances can also be sent and received. Inquire at your
local bank.
•Foreign Exchange
Foreign exchange services, including cashing of traveler's
checks, are available at any bank bearing a sign stating
"Money Exchange authorized by the Japanese Ministry of Finance".
ATM key Guide
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Deposit |
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Withdrawal |
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Transfer |
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Update Passbook |
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Time Deposit(CD)Transaction |
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Other Services |
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Balance Inquiry |
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Cash Loan |
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Credit Card Transaction |
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Confirm |
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Cancel Transaction |
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Change |
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In Service |
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Out of Service |
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PIN Number |
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ten thousand |
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thousand |
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yen |
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