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お手続きの流れ

Japanese Nationals

日本語

Foreign Nationals

Transaction Flow

Take a look at the steps for different transactions,
and the things you need to do them.

Application for opening an account Time required: 15 to 20 minutes Supported languages: English, Chinese (simplified), Vietnamese, Japanese

Have your residence card ready when applying to open an account.
Please note that the only type of account that you can apply to open from the Yucho Tetsuzuki App is a bankbook-free general account "Yucho Direct + (Plus)”, for which no bankbook is issued.

* If you require a bankbook, you can request it (switching to a bankbook-type account) on an ATM that has a bankbook carry-over function using the cash card that was issued. For bankbook-free general account "Yucho Direct + (Plus)” opened on or after April 7, 2025, the first request made within two months of opening your account is free (then the standard fee applies).

Step 1 Open the app, and check the important notices Step 2 Confirm your identity with your residence card Step 3 Simply answer a few questions! Enter the required information Step 4 Confirmation of transaction details Your application is complete!

* To open your account, the Operation Support Center will need to confirm the details of your application.
The confirmation result usually takes about a week to arrive at the e-mail address you provided.

You cannot undertake this transaction if:

Customers who already have a general account with us (This also applies to customers who are not currently using the account except in cases where the account has already been closed)
Individual customers who wish to use an account for business purposes
Corporate and organization (association or foundation
without legal personality) customers
Customers under 16 years of age*
Customers who are foreign nationality and do not have a
residence card(special permanent residents, diplomats, etc.) *
Customers whose residence card has an Expiration Date of Period of Stay expiring in three months or less, or is currently in the process of being renewed
Individuals who holds an important official position in a foreign government, etc. or a family member of such a person (foreign PEPs) *
Customers not residing in Japan
Customers using the adult guardianship system *
Customers whose name includes Roman numerical (II, III, etc.) *

*If you wish to open an account at the Japan Post Bank or post office savings counter, please check the following.

Complete an application form online.(New Window)

Declaration of customer info Time required: 10 to 20 minutes Supported languages: English, Chinese (simplified), Vietnamese, Japanese

You can update the information such as the period of stay and
notification of the purpose of transaction etc.

Step 1 Open the app, and check the notes Step 2 Confirm your identity with the Yucho Authentication App or a personal identification document with an IC chip and your account number If you wish to update the information such as the period of stay, you need to confirm your identity with your residence card. If you just wish to provide notification of the purpose of a transaction, you can confirm your identity using only the Yucho Authentication App, a personal identification document with an IC chip, or your PIN. Step 3 Simply answer a few questions! Enter the required information Step 4 After confirmation of transaction details, the declaration of your customer information is complete!

You cannot undertake this transaction if:

Individual customers who wish to use an account for business purposes
Corporate and organization (association or foundation
without legal personality) customers
Individuals who holds an important official position in a
foreign government, etc. or a family member of such a person (foreign PEPs)
Customers who do not use the cash card service

See the link below for details on updating the information such as the period of stay.

To All Customers Who Have Received a Notice Regarding Updating Their Residence Card Information

*Here you can find the user manual for the app (available in 18
languages).

Change address Time required: 5 to 10 minutes Supported languages: English, Japanese

You can change your address when you move.

Step 1 Open the app, and check the notes Step 2 Confirm your identity with your residence card, account number, and phone verification Step 3 Enter your address and your change of address is now complete!

You cannot undertake this transaction if:

Individual customers who wish to use an account for business purposes
Corporate and organization (association or foundation without legal personality) customers
Customers using the adult guardianship system
Customers who do not use the cash card service
Customers who have not registered a phone number for their account
Customers using specified accounts, investment trust accounts, and discretionary investment accounts

Reset your PIN Time required:5 to 10 minutes Supported languages: English, Japanese

You can also unlock your cash card, meaning after registering your new PIN, you can undertake transactions immediately with your new PIN.

You cannot undertake this transaction if:

Individual customers who wish to use an account for business purposes
Corporate and organization (association or foundation without legal personality) customers
Customers using the adult guardianship system
Customers who do not use the cash card service
Customers whose cash card transactions have been stopped due to loss or theft

Have a bankbook/cash card reissued Time required: 10 to 15 minutes Supported languages: English, Japanese

If you have lost your bankbook or cash card, you can apply for reissue.

* Reissuing a bankbook/cash card can take up to two weeks.

* Reissued bankbooks and cash cards will be sent by simple registered mail with no forwarding required to the address registered for your account.

* Bankbooks and cash cards will be sent separately, even if you apply for both at the same time.

* Prescribed fees will be charged depending on the reason for requesting reissuance (these will be collected from your account between your application and the reissuing).

You cannot undertake this transaction if:

Individual customers who wish to use an account for business purposes
Corporate and organization (association or foundation without legal personality) customers
Customers using the adult guardianship system
Customers who use the braille service
Customers who do not have an e-mail address
Customers who do not use the cash card service
Customers who wish to request a reissue of their JP BANK card, Japan Post Bank Debit Card, or card with a Suica/Edy function

Request for notification of lost/stolen card or bankbook

If you wish to have a lost or stolen card reissued, please first contact us using the contact details below.

Contact (available 24/7)

Card loss center
0120-794-889 (toll free)
From overseas
045-279-6201 (call charges apply)

Points for attention concerning personal identification documents

If opening an account, the period between the application date and the Expiration Date of Period of Stay on your residence card must be longer than three months, and the address must be your current address.
If you are opening an account and your status of residence is “Student” or “Technical Intern Training”, you will need your student ID card, employee ID card, or certificate of enrollment.
If using your driver's license in a transaction, you will need the two PINs you registered when you received or renewed your driver's license.
If using your individual number card in a transaction, you will need to enter the information on the front of the card.
Residence cards without a photo are not accepted.

*Japan Post Bank will not ask your individual number in transactions made using this app.

* Some transactions may not be available. Please check the notes shown in the app.

* We accept only applications from individual customers who themselves are account holders.

Check out the user guide to learn how to use the app