New to Japan? Master Your First Month: Residency, Bank & SIM Made Simple

Arriving in Japan is an exciting milestone, filled with new experiences and opportunities. However, the initial administrative hurdles can quickly shift that excitement to frustration. Dealing with Japanese bureaucracy—especially when facing language barriers and unfamiliar processes—can feel overwhelming.

This comprehensive guide breaks down the essential New to Japan essential procedures for your first month. We’ll provide clear, manageable, step-by-step instructions for residency registration, setting up your bank account, and getting connected with a SIM card. Our goal is to minimize friction, help you overcome logistical and language challenges, and ensure a smooth transition into your new life in Japan.

Getting Started: Your Zairyu Card Is Key

Before you tackle any other procedure, understand that your Zairyu Card (在留カード) is your primary identification document in Japan. This card is usually issued immediately upon entry at major international airports, provided you are a mid- to long-term resident.

Think of it as your most crucial ID. You will need it for nearly every official procedure that follows, from registering your address to opening a bank account and signing up for a long-term SIM card. Keep it safe and always carry it with you.

🎯 Local Pro-Tip: Photograph both sides of your Zairyu Card and save it to your phone and cloud storage. This provides a backup in case of loss and can be useful for online applications, though the physical card is almost always required for in-person procedures.

Residency Registration: The City/Ward Office Visit

Once you have your Zairyu Card and a fixed address in Japan, your next critical step is to register your residence. This procedure, known as Tennyū-todoke (転入届 – Notification of Residence), must be completed at your local city or ward office within 14 days of moving into your address.

Step 1: Register Your Residence

1. Locate Your Local Office: Identify the 市役所 (shiyakusho – city hall) or 区役所 (kuyakusho – ward office) corresponding to your residential address.

   Visual cue: Look for official buildings with large signs in Japanese: ‘市役所’ or ‘区役所’. These often feature a prominent flag and sometimes ‘City Hall’ or ‘Ward Office’ in English below the Japanese text.

   

2. Gather Documents: You will typically need your:
   • Zairyu Card
   • Passport
   • Proof of address: Your lease agreement (賃貸契約書 – chintai keiyakusho) is the most common. A letter from your employer with your address might also work.
3. Navigate the Office: Upon entering, look for signs indicating ‘住民登録’ (Jūmin Tōroku – Resident Registration) or ‘転入届’ (Tennyū-todoke – Move-in Notification) counters. Take a numbered ticket and wait for your turn.
4. Fill Out the Form: You’ll be given a ‘転入届’ form. This requires basic information: your name, date of birth, address, and the date you moved in. If you have difficulty, use a translation app or point to the ‘Point & Speak’ phrases below.
5. Submission: Hand over your filled form and documents. The staff will process them and update your Zairyu Card with your new address printed on the back. This typically takes 15-30 minutes, but wait times can vary significantly.

My Number Card: Your Japanese Identification Number

After completing your residency registration, you will eventually receive a notification containing your 12-digit My Number (マイナンバー – Mainambā). This number is your unique national identification number in Japan, used for social security, tax, and disaster relief.

Step 2: Apply for Your My Number Card (Post-Residency)

The My Number Card (マイナンバーカード – Mainambā Kādo) itself is an optional, physical ID card that combines your My Number with a photo ID. While not immediately essential, it’s highly recommended for future convenience.

1. Receive Your Notification: Within a few weeks of residency registration, you will receive a notification letter (通知カード – Tsūchi Kādo) at your registered address. This letter contains your My Number. Keep this safe!
2. Application Process: You can apply for the My Number Card via:
   • Mail: Fill out the application form attached to your notification letter, affix a passport-style photo, and mail it.
   • Online: If you’re comfortable with Japanese, you can apply through the official website using a smartphone or PC.
   • City/Ward Office: Some offices offer in-person application support.
3. Issuance Time: Be aware that the My Number Card can take several weeks to months to be issued. You will receive a postcard notification when your card is ready for pickup at your local office.

🎯 Local Pro-Tip: Even without the physical My Number Card, the notification letter containing your My Number is crucial. You’ll need this number for tax forms, enrolling in National Health Insurance, and other official procedures.

For more detailed information, refer to the General Guide to My Number Card (Digital Agency).

Staying Connected: SIM Card Options for New Arrivals

Immediate communication is essential upon arrival. Navigating trains, looking up addresses, and contacting your accommodation all require data. Getting a SIM card is one of the first New to Japan essential procedures you should handle.

Step 3: Choose Your Long-Term SIM Plan

Traditional long-term SIM contracts from major carriers (Docomo, au, SoftBank, Rakuten Mobile) often require a Japanese bank account and may prefer at least 6 months of residency, making them challenging for new arrivals.

1. Immediate Connectivity: eSIMs: For instant internet access the moment you land, an eSIM is the most convenient option. You can purchase these online before you even depart or potentially at airport counters.

   Visual cue: At airports, look for ‘SIMカード’ or ‘Wi-Fiレンタル’ counters, typically found in the arrival lobby after you clear customs.

   

2. Foreigner-Friendly MVNOs: For a longer-term solution without the strict requirements, Mobile Virtual Network Operators (MVNOs) like Mobal or Sakura Mobile are excellent choices. They cater specifically to foreigners and often allow sign-ups with just your Zairyu Card and passport, sometimes accepting foreign credit cards for payment.
3. Documents Required: For any long-term SIM contract, you will need your:
   • Zairyu Card
   • Passport
   • Credit card (sometimes a Japanese one is preferred for major carriers, but MVNOs are more flexible)

   Visual cue: Mobile phone stores will display logos of major carriers (Docomo, au, SoftBank, Rakuten Mobile) or MVNOs (UQ mobile, Y!mobile) and signs like ‘携帯電話’ (Keitai Denwa – Mobile Phone) or ‘SIM’.

   

Managing Your Finances: Opening a Japanese Bank Account

Opening a bank account for foreigners in Japan can be one of the most challenging New to Japan essential procedures. Many traditional Japanese banks (e.g., UFJ, SMBC, Mizuho) typically require at least 6 months of residency before allowing new arrivals to open a full account, or they impose very strict requirements.

Step 4: Open a Bank Account (Foreigner-Friendly Options)

To avoid frustration, focus on banks known for their foreigner-friendly policies for new arrivals:

1. Shinsei Bank (新生銀行): Often considered the most accommodating for new arrivals, Shinsei Bank typically allows account opening with less than 6 months of residency. They also offer English support and online application options.

   Visit their English site: Shinsei Bank GoRemit

2. Japan Post Bank (ゆうちょ銀行 – Yucho Ginkō): With branches nationwide, Japan Post Bank is another accessible option. While not always fluent in English, they are generally familiar with procedures for foreigners due to their wide reach.

   Visit their English site: Japan Post Bank English Information

3. Documents Required: To open a bank account, you will typically need:
   • Zairyu Card (updated with your current address)
   • Passport
   • Japanese phone number (essential for contact and verification)
   • Hanko (判子 – personal seal): While not always strictly required for Shinsei or Yucho (a signature is often accepted), having one can expedite processes. You can get one made at a hanko shop.
   • Proof of address: (e.g., utility bill, lease agreement, My Number notification letter).

   Visual cue: Bank branches are identifiable by their specific logos (e.g., ‘ゆうちょ銀行’ for Japan Post Bank, ‘新生銀行’ for Shinsei Bank) and typically have ‘銀行’ (Ginkō – Bank) written prominently on the exterior.

   

What to Expect During Bank Account Opening

The process involves visiting a branch, taking a numbered ticket, and waiting for your turn. You’ll fill out extensive forms and may undergo a brief interview about the purpose of your account (e.g., receiving salary). Banks are stricter now to prevent fraud.

An ATM card is usually mailed to your registered address (allow about a week), while a passbook (通帳 – Tsūchō) might be issued on the spot.

🎯 Local Pro-Tip: If possible, visit a larger branch of Japan Post Bank in a major city, as they are more likely to have staff accustomed to assisting foreign residents. For Shinsei Bank, online application is streamlined, but in-person offers immediate support.

Essential Tools & Troubleshooting for New Arrivals

Common Mistakes to Avoid

• Delaying Residency Registration: Failing to register your address within 14 days can lead to issues with official procedures and even legal penalties.
• Attempting Traditional Banks First: Many newcomers waste time and effort trying to open accounts at major Japanese banks (like UFJ, SMBC) only to be rejected due to insufficient residency time. Start with foreigner-friendly options.
• Not Having a Japanese Phone Number: This is crucial for bank applications, SIM contracts, and utility setups. Prioritize getting one early.
• Underestimating Time Investment: Bureaucratic procedures can take several hours per visit, not including travel time. Plan full or half-days dedicated to these tasks.
• Forgetting Important Documents: Always double-check required documents before heading to an office. Make copies as a precaution.

Pro-Tips for a Smooth First Month

🎯 Local Pro-Tip: Always carry your physical Zairyu Card. You might be asked to present it for verification in various situations, not just official procedures.

🎯 Local Pro-Tip: Patience is key. Japanese bureaucracy values precision and adherence to rules. Maintain a polite demeanor, even if you face delays or repeated requests for information.

🎯 Local Pro-Tip: For complex interactions, consider bringing a Japanese-speaking friend if available, or utilize reliable translation apps (e.g., Google Translate with camera function) on your phone.

🎯 Local Pro-Tip: Keep a dedicated folder for all official documents (Zairyu Card copy, passport copy, lease agreement, My Number notification, bank forms, SIM contract). Organization will save you time and stress.

Frequently Asked Questions

Conclusion

Navigating your first month in Japan requires precision, patience, and the right information. By prioritizing your Zairyu Card, completing residency registration promptly, securing a reliable SIM card, and strategically opening a bank account, you lay a strong foundation for your life here.

While the initial administrative steps might seem challenging, remember that millions of international residents have successfully completed these New to Japan essential procedures. Armed with this guide, you are well-equipped to minimize friction and confidently establish yourself in Japan. Welcome to your new life!

Disclaimer

This guide provides general information based on current regulations as of January 2026. Procedures and requirements can change without prior notice. Always verify the latest information with official sources such as the Immigration Services Agency of Japan, your local ward/city office, or the respective financial institutions and service providers.