MUFG Bank 三菱UFJ銀行
Megabank · Mitsubishi UFJ Financial Group
Japan’s largest bank by assets, with an extensive nationwide branch and ATM network and a full range of consumer, mortgage and business services.
Account details checked against official documents
Verified 2026-07-29. Conditional fees show a selected channel together with its conditions.
| Official identity & account | MUFG Bank, Ltd.; ordinary deposit account. | Company profile, Open an account |
|---|---|---|
| Availability | Personal ordinary deposit accounts are currently offered. | Open an account |
| Application channels | Application is documented through the smartphone app or at a branch. | Open an account |
| Stated eligibility | The app route is for an individual age 15 or older who lives in Japan and does not already have an MUFG account. | Open an account |
| Required documents | The app guide accepts a My Number Card or Japanese driving licence; branch requirements can differ. | Open an account |
| English channels | An English corporate/international website exists; the reviewed personal-account application is Japanese-first and no end-to-end English application was confirmed. | Global website, Open an account |
| Branches & ATMs | Branch locator and MUFG ATM services are documented; partner convenience-store ATMs have separate schedules. | ATM fees |
| Account fee | No monthly maintenance fee is stated for the standard yen ordinary deposit account. | Open an account |
| Selected ATM fee | MUFG ATM withdrawal: ¥0 from 08:45–21:00; ¥110 outside that window. — MUFG ATM; ordinary withdrawal | ATM fees |
| Selected transfer fee | MUFG Direct transfer: ¥0 to MUFG; to another bank ¥154 below ¥30,000 or ¥220 at ¥30,000 or more. — Internet banking; per transfer | Transfer fees |
| Update details | Address and other customer details can be updated through documented app, internet-banking, or branch procedures depending on the item. | Change registered details |
| Close account | Eligible ordinary accounts can be closed with the smartphone app; otherwise use a branch. | Account procedures in the app |
English support, by channel
| Website | Partial |
|---|---|
| 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 | Megabank | MUFG Bank |
| Monthly account fee | Free — Standard yen ordinary-deposit account | MUFG Bank |
| Branch access | Yes | MUFG Bank |
| Digital-only | No | MUFG Bank |
| Online application | Yes | MUFG Bank |
| ATM network | Large own-ATM network plus partner and convenience-store ATMs nationwide. | MUFG Bank |
| Foreign-currency account | Yes | MUFG Bank |
| International transfers | Yes | MUFG Bank |
| Debit card | Yes | MUFG Bank |
| 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
- Widest combined branch and service footprint of the megabanks
- Full product range: accounts, cards, mortgages, investments, business banking
- Strong ATM availability nationwide
Limitations
- Day-to-day service is Japanese-first
- Some fees where digital-only banks are free — compare the schedule
- App and web experience less streamlined than app-only banks
Who this is for
- People who want branches and a full-service megabank
- Mortgage and business-banking needs
What this is not
- People who need end-to-end English service
- Those optimising purely for zero fees
Accounts & products
- MUFG Bank — Ordinary Deposit — The standard everyday yen account at MUFG 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
- SMBC — A megabank known for the Olive integrated account/app and the V Point ecosystem, alongside a full nationwide branch and ATM network.
- Mizuho Bank — One of the three megabanks, with a nationwide branch and ATM network and a full range of retail, mortgage and corporate services.