Banks with foreign-currency accounts in Japan
A feature comparison of verified foreign-currency accounts, not a ranking of exchange rates or investment returns.
Who this is for: Residents who hold, receive or spend currencies other than yen. · Last verified: 2026-07-29
Quick verdict by situation
Its documented foreign-currency and debit-card fields match this specific use case.
Comparison
| Bank | Foreign-currency account | International transfers | Debit card | English support |
|---|---|---|---|---|
| Sony Bank | Yes | Yes | Yes | Partial |
| SMBC Trust Bank PRESTIA | Yes | Yes | Yes | Full |
| SBI Shinsei Bank | Yes | Yes | Yes | Partial |
| SBI Sumishin Net Bank | Yes | Not confirmed | Yes | Not confirmed |
Key differences
- Foreign-currency deposits carry exchange-rate risk.
- Deposit insurance treatment and supported currencies require product-level confirmation.
Included only when the foreign-currency-account field is source-backed.
Alternatives
- au Jibun Bank — A smartphone-centric online bank in the au (KDDI) economic zone, with Ponta-point integration and links to the au ecosystem.
Before you apply
Who this is for
Residents who hold, receive or spend currencies other than yen.
Selection criteria
Included only when the foreign-currency-account field is source-backed.
Eligibility and documents
Eligibility depends on the bank, residence status and current documents. We do not predict approval.
How to apply
Check the official application page, prepare identity and residence documents, and keep your registered name consistent.
Fees and limits
Fee schedules, free-use allowances, exchange rates and transaction limits can change; verify them for your route before applying.
Trade-offs
Foreign-currency deposits carry exchange-rate risk. Deposit insurance treatment and supported currencies require product-level confirmation.
Warnings
No placement implies approval, universal suitability or future value. Never send passwords or one-time codes.
FAQ and banking terms
Use the linked account-opening guide, banking FAQs and glossary for residence card, identity verification and transfer terminology.
Frequently asked questions
Does this comparison guarantee account approval?
No. Check each bank’s current eligibility and document requirements. We do not estimate approval likelihood.
Can I choose based on this fee table alone?
No. Fees, free-use allowances, exchange rates and limits change; verify the official schedule before applying.
Does “Not confirmed” mean a feature is unavailable?
No. It means official evidence was not established, so we do not turn an unknown into “No”.