Japan Post Bank ゆうちょ銀行
Postal bank · Japan Post Holdings
The bank with the widest branch and ATM reach in Japan through the post-office network — often accessible for new residents and useful in rural areas.
Account details checked against official documents
Verified 2026-07-29. Conditional fees show a selected channel together with its conditions.
| Official identity & account | Japan Post Bank Co., Ltd.; general account (ordinary savings). | Company profile, Open an account |
|---|---|---|
| Availability | Personal general accounts are currently offered. | Open an account |
| Application channels | Application is documented through the Yucho account-opening app or at a post-office savings counter. | Open an account |
| Stated eligibility | The app guide is for individuals age 16 or older who live in Japan; additional restrictions and sanctions/tax-residence checks apply. | Open an account |
| Required documents | The app documents a residence card for foreign nationals and a My Number Card or driving licence for eligible Japanese nationals. | Open an account |
| English channels | The account-opening app supports English and other languages; branch service availability is not represented as guaranteed English support. | Account-opening app |
| Branches & ATMs | Savings counters at post offices and Japan Post Bank ATMs are documented nationwide; some in-store ATMs have different hours/fees. | ATM fees |
| Account fee | No monthly maintenance fee is stated for the general account. | Open an account |
| Selected ATM fee | Withdrawals at ATMs inside post offices/Japan Post Bank locations are ¥0 during the posted operating hours; some other locations charge ¥110 at specified times. — Japan Post Bank card; location and hours matter | ATM fees |
| Selected transfer fee | Yucho Direct transfer to another financial institution is ¥165 per transfer. — Internet banking; other-bank transfer | Transfer fees |
| Update details | Address changes are documented through Yucho Direct/Yucho Tetsuzuki App when eligible, or at a savings counter. | Change registered details |
| Close account | Account closure is documented at a Japan Post Bank or post-office savings counter with the required card/passbook and identity documents. | Close an account |
English support, by channel
| Website | Not confirmed |
|---|---|
| Application | Not confirmed |
| Mobile app | Not confirmed |
| Phone support | Not confirmed |
| Branch | Not confirmed |
Channels without documentation read “Not confirmed” — based on official documentation, not anecdotes.
Key facts (with sources)
| Category | Value | Sources |
|---|---|---|
| Bank type | Postal bank | Japan Post Bank |
| Monthly account fee | Free — Standard yen ordinary-deposit account | Japan Post Bank |
| Branch access | Yes | Japan Post Bank |
| Digital-only | No | Japan Post Bank |
| Online application | Yes | Japan Post Bank |
| ATM network | The largest ATM and branch network in Japan via post offices, including rural areas. | Japan Post Bank |
| Foreign-currency account | Not confirmed | — |
| International transfers | Yes | Japan Post Bank |
| Debit card | Not confirmed | — |
| Brokerage integration | Not confirmed | — |
| Point ecosystem | Not confirmed | — |
| Deposit insurance | Yes — Covered by the Deposit Insurance System up to ¥10 million in principal plus interest per depositor, per bank. | Deposit Insurance System |
Advantages
- Unmatched nationwide branch and ATM reach, including rural areas
- Often accessible for newly arrived residents
- Familiar for pension and government-related transfers
Limitations
- App and digital experience are more traditional
- English support at branches is limited
- A deposit-balance ceiling applies to some accounts — verify current rules
Who this is for
- People in rural areas or who value the widest ATM reach
- Newly arrived residents needing an accessible first account
What this is not
- People who need English-language service
- Those wanting a modern app-first experience
What this bank offers
Service coverage across 20 dimensions, from the JBA member directory (checked 2026-08-15). 6 of 20 were confirmed on official pages; 7 are typical for this category rather than confirmed for this bank.
- Offered
- Typical for this category — verify
- Limited
- Corporate / institutional only
- Not offered
- Not confirmed
Everyday banking
- Personal deposit account
- Offered
- Salary / pension receiving
- Offered
- Direct debit / bill payment
- Offered
- Debit / cashless payment
- Offered — confirm which product options apply
- Online / mobile banking
- Offered through Japan Post Bank services
- ATM / cash access
- A very broad nationwide post-office network
Borrowing
- Mortgage
- Limited to partner products
- Consumer / card loans
- Limited to partner products
Investing, insurance & estate
- Investments / NISA
- Offered — confirm the product range
- iDeCo / retirement
- Offered, but the product varies by institution
- Insurance
- Offered, but the product varies by institution
- Inheritance / trust / estate
- Procedural and limited
International & English
- Foreign-currency deposits
- Limited — verify before relying on it
- International remittance
- Restrictions and specific procedures apply
- English / multilingual support
- Some multilingual guidance is published
- Trade finance / overseas business
- Limited
Business banking
- Business / corporate account
- Offered, but the product varies by institution
- Sole-proprietor banking
- Offered — confirm the account type
- Business financing
- Limited
- Business internet banking
- Offered, but the product varies by institution
Accounts & products
- Japan Post Bank — Ordinary Deposit — The standard everyday yen account at Japan Post Bank, with no monthly maintenance fee.
About required documents
Banks typically request a residence card or ID, My Number, and a Japanese address. Exact documents vary by residence status, account type and timing. We do not estimate approval. Always confirm current requirements on the bank’s official pages and with the Immigration Services Agency.
Alternatives
- Seven Bank — A bank built around its ATMs in 7-Eleven stores nationwide, with an international money-transfer service and multilingual support often used by foreign residents.
- AEON Bank — A retail bank with in-store branches in AEON malls, integrated with the WAON POINT ecosystem and open outside normal banking hours.
Sources
- Japan Post Bank
- Immigration Services Agency
- Company profile
- Open an account
- Account-opening app
- ATM fees
- Transfer fees
- Change registered details
- Close an account
- Japanese Bankers Association — member list
- Japanese Bankers Association — list of members (English)
- Financial Services Agency — licensed financial institutions