How to Break the Loop of Bank Account, Address, and Phone Number in Japan: A Guide for New Expats

One of the most common challenges that foreign nationals face when arriving in Japan is navigating the cycle of needing a bank account, phone number, and registered address before being able to rent an apartment. This creates a frustrating loop where each requirement depends on the other, and it can feel like a catch-22. However, there are ways to break this cycle and make your relocation process smoother. In this post, we'll discuss the typical cycle and how to overcome it.

The Apartment → Phone Number → Bank Account Loop

When you're trying to rent an apartment in Japan, the process usually goes as follows:

Renting an Apartment: When applying for an apartment, you will need to provide a registered address on your residence card, a phone number, and a bank account to complete your application. However, you won't be able to get a registered address without an apartment, and you can't get a phone number or bank account without a registered address.

Opening a Bank Account: In order to open a bank account, you'll need to provide a registered address and a phone number. However, since you don't yet have those, you're stuck.

Getting a Phone Number: Similarly, to get a phone number, you'll need to provide a registered address and a bank account. But you can’t get a phone number without a bank account or registered address.

This is a frustrating and common situation for many foreign residents in Japan. But don't worry—there are practical ways to break this cycle.

How to Break the Vicious Cycle: Two Key Methods

1. Use Kaigai Shinsa (Overseas Screening) for Apartment Rentals

Many landlords in Japan understand the difficulties faced by foreign residents and offer a service known as Kaigai Shinsa (海外審査), or overseas screening. With this process, you can apply for an apartment even before arriving in Japan.

Here’s how it works:

Request Online Viewing: You can ask the realtor for an online viewing of the apartment. This allows you to get a feel for the place and make a decision, even from abroad.

Approval and Screening: Once the screening process is complete and you're approved, you can proceed to finalize the rental agreement.

Arrive in Japan and Register: After arriving in Japan, go to your local city hall to register your apartment address on your residence card. Once this is done, you can open a bank account and get a phone number without issues.

Using Kaigai Shinsa is an effective way to secure housing before you even arrive in Japan, eliminating the need for an address to rent an apartment or open a bank account.

2. Book an Airbnb and Register Your Address

If you're already in Japan and facing the loop, another method is to temporarily book an Airbnb or short-term accommodation that provides you with a registered address.

Here’s the step-by-step process:

Book an Airbnb: Choose a short-term rental like an Airbnb. Make sure the landlord allows you to register the address with the local authorities.

Register at the City Hall: Once you’ve settled in your temporary accommodation, go to the city hall to register your address on your residence card. This step is crucial for obtaining a bank account and phone number.

Open a Bank Account and Get a Phone Number: After registering your address, you can then open a bank account and get a phone number. Both of these are required for many services and for applying to other apartments.

Once you’ve established your address and completed these tasks, you can continue searching for a permanent apartment and begin the next phase of your life in Japan.

Additional Tips to Avoid the Loop

Pre-arrange Some Documents: Some banks and phone companies might accept foreign addresses or documents that prove your identity and residence. Always check with the institution about alternative documentation options before arriving in Japan.

Get Help from a Japanese Friend or Service: If you're feeling overwhelmed, many real estate agencies or support services for foreigners in Japan can help you navigate this process. You can also ask a Japanese friend or colleague to assist you with translating or handling paperwork.

Conclusion

While the loop of needing a bank account, address, and phone number to rent an apartment in Japan can seem like an insurmountable challenge, there are clear solutions available. By either utilizing Kaigai Shinsa for overseas apartment applications or booking a temporary Airbnb to register your address, you can break the cycle and settle into your new life in Japan with ease.

If you're a newcomer to Japan, plan ahead, stay patient, and use these strategies to make your transition as smooth as possible. Happy settling!