Japanese Bank Vocabulary: Cheatsheet and Quiz

Live in Japan long enough, and you’ll eventually need to open a bank account. Sooner or later, withdrawing money, using the ATM — or even investing — in Japan will be a difficult task if you’re not familiar with the right Japanese words.

In this cheat sheet, we will list some of the most common Japanese bank vocabulary. We included vocabulary that will help you in banks as well as ATMs in Japan.

What you need to know about banks in Japan

Visiting a bank in Japan, like anywhere else, can be difficult. You’re dealing with a new set of regulations and procedures. It’s easy to be at loss. While more people are shifting to mobile payments in Japan, the nation is still a cash-based society.

Thankfully, you don’t need to become a permanent resident in Japan to have a bank account, as long as you hold a residence card. Most banks also do not require a minimum deposit amount to open an account and have low-interest fees.

There are a wide variety of banks located all over Japan from commercial banks with branches in Tokyo. This includes HSBC and Bank of America. Popular domestic banks are Japan Post Bank and Shinsei Bank. Domestic banks, in particular, require a proficient level of Japanese and money in order to open an account.

Even so, there are many banks out there in Japan with staff that are highly skilled in English. Especially in big cities like Tokyo, you don’t need to worry about the language barrier. Still, it can be good to learn at least the more common Japanese vocabulary before heading to a bank!

Interested in finance and cryptocurrency? Check out our article on crypto in Japan for related vocabulary.

Eligibility to open a Japanese bank account :

  1. Must have been living in Japan for at least 6 Months prior with a valid address
  2. Must have your Japanese residence card (Zairyu)

1. Japan Post Bank

Japan Post (ゆうちょ銀行) is one of the most popular Japanese banks for foreigners. It is also the bank with the largest number of ATMs located all over Japan. Japan Post has branches located in many parts of Japan with many of their staff having great English-speaking ability.

Visit the Japan Post website for more information about their services.

2. SMBC Prestia

SMBC Prestia Bank offers services in both Japanese and English and is great for those who are still honing their Japanese-speaking skills. They allow you to deposit your savings in 17 foreign currencies.

Visit the SMBC Prestia Bank website for more information about their services.

3. Shinsei Bank

Shinsei Bank is probably the bank with the most number of foreign customers as they are highly regarded for their friendly and efficient service. You can apply for a Shinsei Bank account if you’ve been resident in Japan for 6 months, or are currently employed in Japan.

Visit the Shinsei Bank website for more information about their services.

Japanese bank vocabulary

Banks in Japan are open 9:00 to 15:00 (JST), and are closed on weekends and national holidays. ATMs on the other hand have longer operating hours, with an increasing number of ATMs being open 24 Hours.

Kanji HiraganaPronunciation Meaning Example Sentence
銀行ぎんこうginkouBank 今日は銀行に向かっています
Kyō wa ginkōu ni mukatte imasu
I am heading to the bank today
銀行員 ぎんこういん ginkouinBank Clerk銀行員は本当に親切です
Ginkōin wa hontōni shinsetsudesu
The bank clerk ​are really helpful
受付うけつけuketsukeInformation Desk 受付にカードを取りに来てください。
uketsuke ni kaado o tori ni kite kudasai.
Please come to information desk and get your card.
番号札ばんごうふだbangou fudaNumbered Ticket47番の番号札をお持ちのお客様、3番の窓口までお越しください。
47-Ban no bangō-satsu o o-mochi no okyakusama, 3-ban no madoguchi made okoshi kudasai.
If you have a 47th numbered ticket, please come to the 3rd window.
窓口まどぐちmadoguchiTeller Window 初診の受付は一番窓口です。
Shoshin no uketsuke wa ichiban madoguchidesu.
Registration for the first visit is at Counter No.1.
預金よきんyokinDeposit 預金したいのですが。
Yokin shitai nodesuga.
I want to deposit some money.
返済へんさいhensaiRepayment クレジットカードの負債は毎月返済しておいた方がいい。
Kurejittokādo no fusai wa maitsuki hensai shite oita kata ga ī.
It makes sense to pay off your credit card balance every month.
両替りょうがえryougaeMoney Exchangeこれをドルに両替してください。
Kore o doru ni ryōgae shite kudasai.
Please change this to dollars.
貸し金庫 かしきんこkashi kinkoSafe Deposit Box 貸し金庫はありますか。
Kashi kinko wa arimasu ka.
Do you have safety deposit boxes?
クレジットカード クレジットカードkurejittokādoCredit Card 私はクレジットカードを取りたいと思う
Watashi wa kurejittokādo o toritai to omou
I want to get a credit card.
送金そうきんsoukinRemittanceフランスへの送金の仕方を教えて欲しいんですが。
Furansu e no sōkin no shikata o oshiete hoshī ndesuga.
I’d like to know how to send money to France.
利子りしrishiInterest (Bank)この貸付金は高い利子をとられることになっている。
Kono kashitsuke-kin wa takai rishi o tora reru koto ni natte iru.
This loan will carry very heavy interest.
投資とうしtōshiInvestment 銀行にお金を投資するにはどうすればよいですか?
Ginkō ni okane o tōshi suru ni wa dōsureba yoidesu ka?
How can I invest my money in the bank?
ローンローンro-nLoan 銀行ローンを借りたい
Ginkō rōn o karitai
I want to take a bank loan
借金しゃっきんshakkinDebt必要なら借金を今お返ししましょう
Hitsuyōnara, shakkin o ima okaeshi shimashou.
If it’s necessary to do so, I’ll pay back my loan now.

Japanese vocabulary for visiting an ATM in Japan

ATMs can be widely found across train stations, airports and convenience stores in Japan. From ATMs, you can withdraw, deposit, update your passbook, check your balance, as well as make transfers to another account. Although many of these machines have options for English services, not all do.

Check our more comprehensive guide on how to use an ATM in Japan!

Kanji HiraganaPronunciation Meaning Example Sentence
現金自動預け払い機げんきんじどうあずけばらいきgenkin jidō azukeharaikiAutomatic
Teller Machine (ATM)
現金自動預け払い機は、ATMとも言われている。
Genkinjidōazukeharaiki wa, ATM to mo iwarete iru.
Automatic teller machines are also known as ATMs.
通帳つうちょう tsuchoPassbook/
Bankbook
私は自分の通帳を見たが、幸運にも50ドル余分に入っていた。
Watashi wa jibun no tsūchō o mitaga, kōun’nimo 50-doru yobun ni haitte ita.
I looked at my bank account book, and happily discovered that I had an extra $50!
現金げんきんgenkinCashでは、現金で支払います
Dewa, genkin de shiharaimasu.
I’d like to pay in cash.
引き出し ひきだしhikidashiCash Withdrawal ATM で現金を引き出したい
ATM de genkin o hikidashitai
I want to withdraw cash at the ATM
振替ふりかえfurikaeTransfer (Money)口座振替でも納付できます。
Kōza furikae demo nōfu dekimasu.
Bank transfer payments are also possible.
振込手数料ふりこみてすうりょうfurikomi tesuuryouBank
Transfer Fee
振込手数料はお客様負担となっております。
Furikomi tesūryō wa okyakusama futan to natte orimasu.
Transfer Fees must be paid by the customer.
口座こうざkouzaBank Account 彼は口座に100ドル預けた。
Kare wa kōza ni 100-doru azuketa.
He deposited 100 dollars in his saving account.
暗証番号 あんしょうばんごうanshou
bangou
PIN Number暗証番号を押してください
Anshō bangō o oshite kudasai.
Please input your PIN number.
口座番号こうざばんごうkouza
bangou
Bank
Account Number
口座番号はこれなんだけど
Kōza bangō wa korena ndakedo
This is my account number.
預け入れあずけいれazukeireCash Deposit 貯金口座にお金を預け入れたいです
Chokin kōza ni okane o adzukeiretaidesu
I’d like to deposit money into my checking/saving account.
紙幣しへいshiheiPaper Money 私は10ドル紙幣をなくした。
Watashi wa 10-doru shihei o nakushita.
I lost a ten-dollar note.
残高ざんだかzandakaBalance 私の預金残高はどうなっていますか。
Watashi no yokin zandaka wa dō natte imasu ka.
What’s the balance of my account?
残高照会ざんだかしょうかいzandaka
shoukai
Balance Inquiry ATMで残高照会ができます.
ATM de zandaka shōkai ga dekimasu
You can make a balance inquiry at the ATM
銀行カードキャッシュカードKyasshukādoCash Card/ATM Card後日 銀行 カード、あなたの住所に送られてきます。
Gojitsu kyasshukādo wa, anata no jūsho ni okura rete kimasu.
Cash card will be sent to you later by post.
通帳更新つうちょうこうしんtsucho
koushin
Passbook Update通帳更新するためにATMに向かっています。
Tsūchō o kōshin suru tame ni ATM ni mukatte imasu.
I am heading to the ATM to get my passbook updated.

Download our Japanese Bank Vocabulary Cheatsheet in PDF below!

Useful Japanese phrases you might need when visiting a bank

Become familiar with these useful phrases that you will definitely use when you are visiting a bank!

ATMの機会はどこにありますか?
ATM wa dokoni arimasuka?
Where can I find the ATM machines?
お金を預けたいのですが。
Okane o azuketai nodesuga.
I would like to deposit money.
当座預金口座から下ろしたいです
Tōza yokin kōza kara oroshitaidesu.
I would like to withdraw from my checking account
口座を解約したいです。
Kōza o kaiyaku shitaidesu.
I want to close my account.
普通口座から下ろしたいです。
Futsū kōza kara oroshitaidesu.
I would like to withdraw from my savings account
預金口座を作りたいです
Yokin kōza o tsukuritaidesu
I want to create a deposit account
窓口で話したいのですが。
Madoguchi de hanashitai nodesuga.
I need to speak with a teller
明細のコピーをもらえますか?
Meisai no kopī o moraemasu ka?
May I have a copy of my statement?
送金したいです。
Sōkin shitai desu.
I would like to transfer some money
支払いをしたいです
Shiharai o shitaidesu
I’d like to make a payment.

Want to learn more essential Japanese vocabularies? Check out our cheatsheet summary to avoid getting tongue-tied during your next errand in Japan.

Want to test your skill? Take our quick two-minute quiz and find out if you’ve mastered these Japanese bank vocabularies!