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Japan Post-New Year Setup: Your Essential Guide to City Hall, Bank & Utilities

Arriving in Japan, especially after the New Year holidays, means facing a wave of essential administrative tasks. From resident registration to setting up your bank account and utilities, the process can feel overwhelming, compounded by language barriers and the post-holiday rush. Many new residents experience delays and confusion, often unsure where to start or which documents are truly necessary. This guide removes that friction.

Here, you will learn the exact steps to navigate city hall, open a bank account, and activate your utilities immediately after the New Year period. We provide practical advice, essential Japanese phrases, and a clear sequence of procedures to ensure your setup is efficient and stress-free. Your smooth start in Japan begins now.

The Post-New Year Administrative Rush

Japan observes New Year’s holidays rigorously. Most government offices, banks, and utility customer service centers typically close from December 29th or 30th until January 3rd or 4th. This extended closure creates a backlog of administrative tasks. Consequently, the period immediately following the holidays (roughly January 4th to 15th) experiences significantly longer wait times and higher demand for services.

If you’ve just arrived or moved during the holiday period, you’ll be among many trying to complete procedures. Patience is key. Planning ahead and knowing the correct sequence of operations will save you considerable time and frustration during this busy period.

Essential Documents: Your Preparation Checklist

Incomplete documentation is the primary cause of delays. Gather these items *before* you leave your home for any appointment. Having copies is also a good practice.

For City Hall (Ward Office)

• Residence Card (在留カード – Zairyū Kādo): Your primary identification. Ensure your current address is registered, or be prepared to do so.
• Passport: For identity verification.
• My Number Card (マイナンバーカード) or My Number notification paper (通知カード – Tsūchi Kādo): If you have one. If not, you will register for it after your moving-in notification.
• Previous Address (海外からの転入 – Kaigai kara no tennyū): If moving from overseas, you won’t have a previous Japanese address.
• Official Mail/Proof of Address (任意 – Nini): A utility bill or rental agreement might be requested by some offices for address confirmation, though less common for initial moving-in.

For Bank Account Opening

• Residence Card: Essential. Note: Many banks require your address to be registered on your Residence Card for at least 6 months, though some international-friendly banks or specific branches may open earlier under certain conditions (e.g., proof of employment).
• Passport: For identity verification.
• Hanko (Personal Seal – 判子) or Signature: While some banks accept a signature, a hanko is often preferred and sometimes required. Consider getting a basic one from a 100-yen shop or specialty store.
• My Number Card or Notification Paper: Increasingly requested due to tax regulations.
• Proof of Employment/Student Status (在職証明書/学生証 – Zaishoku Shōmeisho/Gakuseishō): A letter from your employer or student ID can help, especially if you haven’t been in Japan for 6 months.
• Contact Number: A Japanese mobile phone number is typically required.

For Utility Services (Electricity, Gas, Water)

• New Address: The exact address of your residence.
• Desired Start Date: When you need the service to begin.
• Bank Account Information: For automatic payments (口座振替 – kōza furikae). Some companies also accept credit cards.
• Customer Number (お客様番号 – Okyakusama Bangō): If you are taking over an existing service (e.g., from a previous tenant), this number can be found on a meter or previous bill.

🎯 Local Pro-Tip: Always make photocopies of all your essential documents. Some offices may require them, and it’s prudent to have backups. Digital copies on your phone are also useful.

Navigating City Hall: Your First Critical Steps

Your local city or ward office (市役所 – Shiyakusho / 区役所 – Kuyakusho) is your first and most important stop. These offices are generally open Monday to Friday, 8:30 AM or 9:00 AM to 5:00 PM. Post-New Year, arrive early.

Visual cue: Look for a ‘総合案内’ (Sogo Annai – General Information) counter or a numbered ticket machine (‘整理券’ – Seiriken) near the entrance. Take a ticket upon arrival.

Step 1: Moving-in Notification (転入届 – Tennyu-todoke)

This is legally required within 14 days of moving to your new address in Japan. It updates your official residence records and is a prerequisite for many other services, including My Number registration and National Health Insurance.

1. Go to the Information Desk: State your intention (use a phrase from our Point & Speak section). They will direct you to the correct counter or provide a form.
2. Fill Out the Form: The “Tennyu-todoke” form will ask for your personal details, previous address (if applicable), new address, and the date you moved in. If you are moving from overseas, indicate this.
3. Submit Documents: Present your Residence Card, passport, and any other requested documents. They will update your Residence Card with your new address on the back.
4. Receive Confirmation: You may receive a copy of your Certificate of Residence (住民票 – Jūminhyō) for a small fee. This document is often required for bank accounts or phone contracts.

Step 2: National Health Insurance Enrollment

After your moving-in notification, you are automatically enrolled in or must apply for National Health Insurance (国民健康保険 – Kokumin Kenkō Hoken), unless you are covered by an employer’s social insurance plan. This is mandatory for all residents.

1. Proceed to the Health Insurance Counter: At city hall, this is usually a separate counter. Present your updated Residence Card and My Number (if you have it).
2. Complete the Application: You will fill out a simple form.
3. Receive Insurance Card: You will typically receive your National Health Insurance Card (健康保険証 – Kenkō Hokenshō) on the spot or it will be mailed to your registered address within a few weeks.

Step 3: My Number Card Application or Registration

Your My Number (個人番号 – Kojin Bangō) is a 12-digit individual number issued to all residents. You initially receive a notification paper (通知カード – Tsūchi Kādo). You can then apply for the physical My Number Card (マイナンバーカード – My Number Card), which serves as an official ID and has an IC chip.

1. If you have a My Number notification paper: Present it at the designated counter at city hall after your moving-in notification. They can update your address and initiate the process for applying for the physical card.
2. Applying for the My Number Card: The application can be done by mail, online, or at specific city hall counters. You will need a photo. The card is usually mailed to you after a few weeks, or you might be called to pick it up. My Number Card Portal Site (English)

🎯 Local Pro-Tip: While you might receive a My Number notification paper shortly after moving in, applying for the actual My Number Card is highly recommended. It offers stronger verification and digital services, making future administrative tasks easier. However, it takes time to process, so manage expectations.

Opening Your Japanese Bank Account

Establishing a local bank account is fundamental for receiving salaries, paying rent and utilities via direct debit, and managing daily finances. While some banks require you to have been in Japan for 6 months, others are more flexible, especially for those with clear employment or student status.

Visual cue: Bank entrances often have ATMs clearly marked. For counter service, look for ‘窓口’ (Madoguchi – Counter) or numbered service areas. Take a numbered ticket if available.

1. Choose Your Bank: Consider major banks like SMBC, MUFG, Mizuho, or postal bank (Yucho Bank) known for offering services to foreigners. Some online banks are also an option, though they may require more Japanese proficiency. Example: SMBC English Banking
2. Gather Documents: Bring your Residence Card (with updated address), passport, hanko (or be prepared to sign), My Number details, and any proof of employment/student status.
3. Visit the Branch: Go to a branch of your chosen bank. Arriving early, especially post-New Year, is advisable.
4. Fill Out Forms: You will complete an application form. Be ready to provide your contact details, employer information, and reason for opening the account.
5. Account Activation: If approved, you’ll receive your bank passbook (通帳 – tsūchō) and cash card (キャッシュカード – kyasshu kādo) either on the spot or by mail.

🎯 Local Pro-Tip: Some larger bank branches in major cities have dedicated international counters or English-speaking staff. It’s worth calling ahead or checking the bank’s website for specific branches with English support.

Setting Up Utilities: Electricity, Gas, & Water

Activating your utilities ensures comfort and avoids disconnection. This process is generally simpler and can often be done online or by phone, often with English support.

Visual cue: You might see utility company logos (e.g., TEPCO, Tokyo Gas) on meters outside your building or on previous bills left in your mailbox.

1. Identify Providers: Determine which companies serve your area. Your landlord or real estate agent can usually provide this information. Major providers include TEPCO (Kanto), Kansai Electric Power (Kansai), Tokyo Gas, Osaka Gas, etc.
2. Contact the Company:
   • Online: Many providers have English sections on their websites for new service applications. Fill in your details, desired start date, and payment method. Example: TEPCO English Page
   • Phone: Call their customer service. Look for dedicated English support lines. Be prepared to provide your address and desired start date.
3. Provide Details: You’ll need your full address, the desired date for service to begin, and your chosen payment method (bank transfer or credit card).
4. Service Activation:
   • Electricity: Often activated remotely. If the breaker is off, you might just need to flip it on.
   • Gas: Often requires a technician visit to open the main valve and ensure safety. You must be home for this appointment.
   • Water: Usually activated remotely. Check the main valve in your apartment or house.

🎯 Local Pro-Tip: Schedule gas activation in advance. Because it often requires a technician visit, slots can fill up, especially after holidays. If you don’t speak Japanese, ask your landlord or a Japanese-speaking friend to help coordinate the appointment.

🇯🇵 Point & Speak: Essential Japanese Phrases

Show this section to staff if you’re stuck. They can read the Japanese.

💰 Price Breakdown: Administrative Fees

🎯 Pro-Tips for a Smoother Setup

🎯 Local Pro-Tip: Arrive Early. Especially during the post-New Year rush, arriving at city hall or the bank right when they open (or even 15-30 minutes before) can significantly reduce your wait time.

🎯 Local Pro-Tip: Leverage Translation Tools. While some offices offer English support, do not rely on it. Have Google Translate or DeepL ready on your phone to translate documents or communicate basic needs.

🎯 Local Pro-Tip: Bring a Japanese-Speaking Friend. If possible, ask a Japanese friend or colleague to accompany you, particularly to city hall or the bank. Their presence can make the process much smoother.

🎯 Local Pro-Tip: Check Online First. Always check the specific holiday hours and service availability on the official websites of your local city hall, bank, and utility companies. This is especially crucial immediately after the New Year.

Common Mistakes to Avoid

Steering clear of these pitfalls will save you time and stress:

• Not Having All Documents: This is the most frequent cause of being turned away. Double-check your checklist.
• Ignoring My Number: While not always immediately needed, the My Number is crucial for tax and social security. Start the process early.
• Assuming English Support: Don’t expect English speakers at every counter. Prepare phrases or bring an interpreter.
• Delaying Moving-in Notification: Failing to register your address within 14 days can lead to issues with other services and potential fines.
• Not Understanding the 6-Month Bank Rule: Be aware that some banks have a waiting period for new foreign residents. Research banks that are more accommodating.
• Underestimating Wait Times: The post-New Year period is busy. Allocate ample time for each procedure.

📋 Quick Reference Card

Frequently Asked Questions

Conclusion

Navigating Japan’s administrative landscape after the New Year holiday can feel like a daunting task for new residents. However, with careful preparation, a clear understanding of the process, and the right tools, you can establish your essential services efficiently. By prioritizing your city hall visit, gathering all necessary documents, and leveraging our practical advice, you’ll successfully set up your new life in Japan.

You now have the knowledge to confidently tackle your post-New Year setup. Take a deep breath, prepare your documents, and approach each step with the assurance that you’re well-equipped. Welcome to Japan!

Disclaimer

This guide provides general information based on common practices in Japan as of January 2026. Administrative procedures and specific requirements can vary by municipality, institution, and individual circumstances. Always verify the latest information directly with your local city/ward office, bank, and utility providers. This information is not legal advice.