MUFG Bank Account: How can foreigners register for a bank account

This article was reviewed on August 13, 2025. Information may have changed since publication, please verify with the relevant provider. Wise Payments Japan is not affiliated with MUFG Bank. This content is for informational purposes only and does not constitute financial advice. Please use your own judgment when making decisions.

MUFG is one of the world’s leading financial groups, and MUFG Bank is a highly recognized bank in Japan. MUFG stands for Mitsubishi UFJ Financial Group.

When you move to Japan, you wouldn’t have any problem looking for a MUFG branch since they can be found anywhere across Japan. MUFG cash card can also be used for various convenience store ATMs, making it convenient to withdraw cash anytime.

Table of contents
Can a foreigner open a bank account with MUFG Bank in Japan? Fees charged by MUFG Bank How to open a bank account with MUFG Bank Wise for smooth online registration

*This article was reviewed on August 13, 2025. Information may have changed since publication, please verify with the relevant provider. Wise Payments Japan is not affiliated with MUFG Bank. This content is for informational purposes only and does not constitute financial advice. Please use your own judgment when making decisions.*

Can a foreigner open a bank account with MUFG Bank in Japan?

Good news! Foreigners can open a MUFG account if either of the following applies:¹

1. Residents working in Japan
2. Residents who have resided in Japan for more than six months

If you are a non-resident, who does not apply to either 1 or 2, keep in mind that you will need a Residence card (Zairyu card), personal seal, and documents to confirm your Individual Number (My Number).

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Fees charged by MUFG Bank

Standard fees

Category	Fee
Bank book issuance fee²	Eco bankbook (online): Free
(Same as the above)	Paper bankbook（紙の通帳）: 550JPY per year
Inactive account fee³	1320JPY(incl. tax) per year
Balance certificate (残高証明書) Issuance fee⁴	Regular issuance (定期発行先) : 550JPY per request One-time issuance (都度発行先): 770JPY per request Non-standard form (当行制定外書式): 2200JPY per request
Balance certificate issuance fee via かんたん手続アプリ(Easy Procedure App)	PDF: Free Post mail: 550JPY
English bank statement	2200JPY per request

ATM fees⁵

Here are the ATM transaction fees of withdrawal and deposit for various ATMs using your MUFG account. ATMs at MUFG, convenience stores (Seven Eleven, Lawson, Family Mart + E-net), and other banks such as Japan Post Bank and SMBC are included in the tables below.

MUFG Bank ATM Fees
	8:45 am - 9 pm	Other hours
All day	Free	110JPY

Seven Bank ATM Fees at Seven Eleven Lawson Bank ATM Fees
	8:45 am - 9 pm	Other hours
Weekdays	220JPY	330JPY
Sat / Sun / National holidays / Dec.31 - Jan.3	330JPY	330JPY
25th & Last day of every month (If 25th is not on a business day, it would be the previous business day instead)	Free	110JPY

E-net ATM Fees
	8:45 am - 6 pm	Other hours
Weekdays	198JPY	308JPY
Sat / Sun / National holidays / Dec.31 - Jan.3	308JPY	308JPY
25th & Last day of every month (If 25th is not on a business day, it would be the previous business day instead)	Free	110JPY

Yucho (Japan Post Bank) ゆうちょ ATM Fees at Family Mart
	8:45 am - 6 pm Sat (9:00 am - 2 pm)	Other hours
Weekdays	198JPY	308JPY
Sun / National holidays / Dec.31 - Jan.3	308JPY	308JPY
25th & Last day of every month (If 25th is not on a business day, it would be the previous business day instead)	Free	110JPY

Yucho (Japan Post Bank) ゆうちょ ATM Fees
	8:45 am - 6 pm 9 am -2 pm (Sat)	Other hours
Weekdays	110JPY	220JPY
Sun / National holidays / Dec.31 - Jan.3	220JPY	220JPY

SMBC (Mitsui Sumitomo Bank) ATM Fees
In-Branch SMBC
	8:45 am - 6 pm 9 am -2 pm (Sat)	Other hours
Weekdays	110JPY	220JPY
Sun / National holidays / Dec.31 - Jan.3	220JPY	220JPY
Off-Site ATM (*2)
	8:45 am - 9 pm	Other hours
All day	Free	110JPY

(*1) Please note that the usage fees for in-branch ATMs differ.
(*2) Off-site ATMs display the following sticker. Please note that the usage fees for in-branch ATMs differ.

Domestic transfer⁶

MUFG Direct (Internet Banking)

	Under 30,000JPY	Above 30,000JPY
Transfer to MUFG Bank	Free	Free
Transfer to other banks	154JPY (*1)	220JPY

ATM using MUFG cashcard:

	Under 30,000JPY	Above 30,000JPY
Transfer to MUFG Bank(*1)	110JPY	110JPY
Transfer to other banks(*2)	275JPY	275JPY

(*1) For corporate and organizations, the fee is 440JPY.
(*2) For corporate and organizations, the fee is 770JPY.

Using cashcards from other banks

	Under 30,000JPY	Above 30,000JPY
Transfer to MUFG Bank	440JPY	440JPY
Transfer to other banks	770JPY	770JPY

*This service is limited to cards issued by banks, credit unions, and credit associations. (Some financial institutions may not be supported so please contact your financial institution for details.)

Using Cash

	Under 30,000JPY	Above 30,000JPY
Transfer to MUFG Bank	550JPY	550JPY
Transfer to other banks	880JPY	880JPY

*Additional ATM fees may apply.

If you are using cash to transfer money and have not yet completed identity verification, you cannot make transfers exceeding 100,000JPY.

International transfer⁷

Commision type	Services	Details	MUFG Bank’s Overseas Branches & Local Subsidiaries	Fee for other banks
Outward remittance charge	MUFG Direct	Internet Banking	2,500JPY	3,000JPY
(Same as the above)	Over the counter	Remittance request form (handwritten)	7,500JPY	7,500JPY
(Same as the above)	Over the counter	Foreign Remittance Web Support+ (Plus)	7,000JPY	7,000JPY
Yen exchange handling fees	For remittances in Yen, Fees in addition to the outbound remittance fee		1/20% (0.050%) of the transferring fund Minimum of 2,500JPY	1/20% (0.050%) of the transferring fund Minimum of 2,500JPY
Foreign currency handling fees	For remittances in a foreign currency, Fees in addition to the outbound remittance fee		1/20% (0.050%) of the transferring fund Minimum of 2,500JPY	1/20% (0.050%) of the transferring fund Minimum of 2,500JPY

Customers may be confused between MUFG Bank and PRESTIA. To be clear, PRESTIA is a trust bank at SMBC (Mitsui Sumitomo Banking Corporation). If you need to open a PRESTIA account, make sure you visit the SMBC PRESTIA branch instead. Check here to compare the mid-market rates of MUFG and PRESTIA.

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How to open a bank account with MUFG Bank

Opening a MUFG bank account requires the following documents and must be applied at your local MUFG branch. Unfortunately, As of March 4, 2020, Foreigners cannot open a new bank account online. Foreign residents will need to directly submit the required documents over the counter. ¹

Required documents¹

To open a bank account with MUFG Bank, you will need to prepare the required documents listed below depending on your situation. After preparing the documents, you must visit the branch in person.

1. Residents working in Japan

• Residence Card (Zairyu card)
• Period of residency in Japan, residency status, etc. will be checked
• Personal seal
• Rubber stamps cannot be used
• Documents to confirm your Individual Number (My Number)
• One of the these: Individual Number card(My Number) / notification card / transcript of resident register / Certificate of Items Stated in Resident Register which shows the Individual Number
• Documentation verifying your working status in Japan
• Example:
  • Health insurance card with the name of the company where you work
  • A statement of withholding tax with your company’s seal
  • Employment contract
• Note: In some cases, MUFG Bank may confirm your employment with your employer

1. Residents who have resided in Japan for more than six months

• Residence Card (Zairyu card)
• Period of residency in Japan, residency status, etc. will be checked
• Personal seal
• Rubber stamps cannot be used
• Documents to confirm your Individual Number (My Number)
• One of the these: Individual Number card / notification card / transcript of resident register / Certificate of Items Stated in Resident Register which shows the Individual Number
• Documentation verifying that you have resided in Japan for longer than six months
• Example:
  • Residence Card (Zairyu card) with a date of permission to reside in Japan of six months or more prior (if you have renewed your Residence Card (Zairyu card) , you may also use your previous Residence Card (Zairyu card) )
  • Passport with your most recent visa to enter Japan showing an entry date of six months or more prior
  • Certificate of Residence (Juminhyo) with a date of becoming a resident of six months or more prior

Steps of opening a bank account with MUFG Bank

1. Book an appointment at your nearest branch. To check MUFG branch codes, visit this page: Branch search | MUFG Bank
2. Access the MUFG webpage online for pre-registration. Add in your personal information and print out the completed pre-registration document.
3. Visit the MUFG branch on the day of your appointment with necessary documents. Make sure you bring your Residence card, personal seal, MyNumber Card, etc.
4. After the registration procedure is completed, you are all set! Cash cards and bank books will be sent within 7-10 days by registered mail to the address you provided. Note that it will not be forwarded even if you have filed a change-of-address notice with the post office (As of December 17, 2024)⁸

MUFG Bank bank opening hours

Opening hours for MUFG Bank in Tokyo is 9 am - 3 pm on weekdays.⁸

Please check the opening hours of your nearest branch through branch search.

MUFG Bank Contact Numbers

MUFG Bank has a contact number with everyday support from 9 am - 9 pm.

Only in Japanese:

三菱UFJ銀行コールセンター | よくあるご質問

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Wise for smooth online registration

As one of the options for international money transfer, you could also consider a Wise account. Wise offers an online application that is quick and smooth from ID verification and debit card delivery.

Wise fees are based on mid-market rates that can lower your costs for currency exchange and transfer fees. You could also receive payment in more than 40 currencies, allowing you to keep funds without exchanging it to JPY.

Wise can also be a great solution for business purposes. Needless to say, Wise card will be useful on your trips overseas. If you’re interested in learning more, check out the steps and benefits listed below.

Easy steps to open Wise account:

1. Register with Wise online or download the Wise app
2. Add account details
3. ID verification (Passport, National ID card, Driver’s license, documents that contain your My Number and current address on them)
4. Add funds to your currency
5. Set up your payment: Enter the amount you want to send and you will get a quote and estimated delivery time.
6. Order a Wise debit card

In summary, you can enjoy the following benefits by using Wise card:

Benefits of using Wise card
Open to both Japanese residents and non-residents Fast application and verification process to open a Wise account Send money to 70+ countries Use Wise card in 150+ countries Hold 40+ currencies Mid-market exchange rate currency conversion No minimum balance or monthly fees Get a linked Wise card for spending

Sign up for a free account

Some key takeaways from this article:

• MUFG doesn’t have an online application system for foreigners.
• You need to be a resident in Japan or have resided in Japan for more than 6 months to open a MUFG account.
• MUFG is affiliated with many ATM machines found in the city including those in convenience stores, and ATM fees vary depending on the type of ATM, location, and time of transaction.

Disclaimer: This article is not sponsored by or affiliated with MUFG Bank and has only been reviewed by Wise, not the bank. For more information, please be sure to visit their website.

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Sources:

1. MUFG; Clients wishing to open a personal bank account | Products and Services
2. 紙通帳利用手数料（2022年4月以降に新たに普通預金口座を開設されるお客さま） | 三菱ＵＦＪ銀行
3. 口座手数料はかかりますか？ | よくあるご質問 | 三菱ＵＦＪ銀行
4. その他手数料 | 三菱ＵＦＪ銀行
5. ATM利用手数料 | 三菱ＵＦＪ銀行
6. 振込手数料 | 三菱ＵＦＪ銀行
7. 外為手数料 | 三菱ＵＦＪ銀行
8. 店舗での口座開設 | 三菱ＵＦＪ銀行