Aki’s Advice

Banking in Japan can be quite a challenge—it’s super frustrating!

If you don’t speak, read, or write Japanese, having someone assist you is almost a necessity.

My husband’s Experience:

Savings Account: Since he is not a Japanese national, he was unable to apply online for a bank account at one of Japan’s major banks.  He could apply at a branch, but there was a major hurdle—he was required to write his local address in Kanji (Chinese characters)! Even though I (Japanese) was with him, and even if you have a Japanese-speaking friend with you, the bank requires you to fill out the forms yourself.

We asked if he could write his address in Roman characters, and after some discussion, they finally agreed. The application also included questions about occupation, date of birth, and the type of account. If you don’t speak or read Japanese, you need someone to assist you. After completing the process, he was able to open an account. His debit card was sent to him via postal mail.

Required Documents for Identification:

Resident Card (Zairyu Card)

Driver’s License (Good ID, as it includes your photo)

My Number Card (You can apply for it at local city center of your residential area.)

Personal seal (Hanko) – Easily made at a hanko shop

Phone number

Aki’s Advice

Language Barrier: You generally need to speak and write Japanese to open a bank account or obtain a credit card. Even at Japan’s largest banks, internet banking is only available in Japanese.

Strict Regulations: Due to anti-money laundering policies and other regulations, banks are very cautious when dealing with foreign applicants.

Call Centers: Bank customer service is typically not English-friendly at all.

No Joint Accounts & No Personal Checks:

In Japan, joint bank accounts for couples are not commonly offered. In rare cases, some foreign-based banks operating in Japan might offer joint accounts, but it's not standard practice.

Checks are rarely used and are mostly for business transactions.

For more details, feel free to contact me!

Aki’s Advice 

For cross-border tax matters, I highly recommend CHI. It is crucial for a tax service provider to have a deep understanding of both Japanese and U.S. tax regulations.

Useful Links

CHI – Cross-Border Tax Insights

The CEO of CHI was previously a Principal at CHD, which also has several Japanese CPAs. CDH has a branch in Osaka/Japan. 
CDH – Accounting & Tax Services

Feel free to contact me for further information. As an internationally married couple, we need to manage tax matters in both the U.S. and Japan. We're happy to share some advice! 

Aki’s Advice – Legal Services in Japan

Staying compliant with local laws and regulations is absolutely essential.

When dealing with legal matters—whether related to business, real estate, immigration, or contracts—it’s always wise to seek legal or compliance advice. Yes, it comes at a cost, but in the long run, it can protect you, save time, and prevent costly mistakes.

For complex legal issues involving Japanese laws and regulations, it’s best to consult an attorney who speaks English. While many attorneys at major law firms in Tokyo speak English, not all do—so it’s important to confirm in advance.

Aki’s Advice

Before hiring an attorney, confirm their hourly rates and request a cost estimate based on the hours required. Legal fees can add up quickly, and you don’t want any surprises.

Since legal services require a customized approach, feel free to contact me for more detailed advice.

Useful Links

Kitahama Partners – A Japanese law firm with offices in Tokyo, Osaka, and Fukuoka, offering a wide range of legal services. They specialize in corporate law but also handle individual civil cases.
Kitahama Partners

Masuda Funai – A Chicago-based law firm originally founded by Mr. Funai, a Japanese attorney. They have extensive experience in legal matters related to Japan.
Masuda Funai

Aki’s Advice

If you have a bank account in Japan, you can receive your Social Security payments in Japanese Yen (JPY) directly into your account. To start receiving payments in Japan, contact the U.S. Embassy.

Keep in mind that exchange rates fluctuate, so the amount you receive in JPY may vary. Additionally, if you reside in Japan, Social Security payments are taxable, and you will need to file a tax return and, if necessary, make a payment by March. However, tax obligations depend on various factors, including business ownership, and other circumstances. Therefore, it is best to consult with a tax accountant for accurate guidance.

Feel free to contact me for more details.

Useful Links

U.S. Embassy – Social Security Services

U.S. Embassy Japan Homepage