Requirements

To open an account via Internet, you need to meet the following requirements.

  • You are 18 years old or older.
  • Your resident registration is in Japan.
  • For foreign nationals, both of the following conditions must be met:
    • 1.You have been staying in Japan for six months or longer, or you are employed at an office located in Japan.
    • 2.The remaining "Period of Stay" on your Residence Card must be at least 3 months from the date of application.
  • Jurisdiction of tax residence is either "only Japan" or "only Japan and the United States".
  • You DO NOT qualify as a foreign politically exposed person (foreign PEP).

About ID Documents

  • If the address on your ID is different from your current address, you cannot apply. Please update your address on your ID.
  • If you are a foreign national, you may be required to submit supplementary documents. More details
  • "Health Insurance Card" will no longer be accepted as Identification Verification Documents on and after December 2, 2025. Additionally, if the card has expired, or if there has been a change in insurer due to a job change or relocation, the card will be invalid and cannot be accepted.

Monthly Account Maintenance Fee

We automatically withdraw a monthly account maintenance fee of 2,200 yen (including tax) from your account on the second business day of each month.
However, this fee will be waived if you meet certain conditions. For details, please see the "Important Notice Regarding Opening an SMBC Trust Bank Account" PDF on the next page.

How Long Account Opening Takes

It usually takes 1 to 2 weeks. You will be notified by e-mail.

  • US persons (US citizens or Green Card holders) will be asked to submit a separate form by postal mail and therefore it may take longer than usual to open an account.
  • It takes a minimum of 10 business days from the receipt of your application to receive your account number information and Cash Card (GLOBAL PASS or ANA MILEAGE CLUB GLOBAL PASS).

Note

"GLOBAL PASS" will be delivered by registered mail to the address stated on ID you submitted, which you need to sign it to receive it from the post person. You will find a delivery notice in the mailbox if you are not home at the time of delivery. Request Japan Post for redelivery.

Please note that if you do not receive it, we may consider that you did not apply to open an account. If you are planning on moving, open an account after you moved into a new place as GLOBAL PASS cannot be forwarded to a different address.

Request for Notification of your Individual Number

Please provide your Individual Number based on the Amended Act on the Use of Numbers to Identify a Specific Individual in the Administrative Procedure and the Act on Management of Deposit and Saving Accounts by Use of Individual Numbers based on the Will of Depositors.

  • The Individual Number may be used to identify your account for the uses stated in the Income Tax Act, Public Assistance Act, Deposit Insurance Act, and other laws.
  • In case of disaster or inheritance, the Individual Number may be used to identify the account and enable the account holder or the inheritor(s) to obtain the relevant information on the account.

Instructions to submit your Individual Number will be provided via e-mail after account opening.

Next

Transferring , buying or selling banking accounts is a crime.

The use of the account by another person or the transfer of the account is prohibited according to the customer agreement. In addition, not only the account purchaser but also the customer himself/herself may be subject to criminal penalties. Furthermore, it may become difficult to open an account not only with our bank but also with other financial institutions in the future.

From April 14, 2025, electronic delivery of PRESTIA MultiMoney Foreign Currency Savings Deposit Post-Contract Document when opening an online account and conducting transactions through internet banking. For more details.