You’ve made it to Japan. Congratulations! Whether you’re here for work, study, or a fresh start, the first month is a whirlwind of excitement — and paperwork. Between city hall visits, opening bank accounts, and figuring out how garbage collection works, it’s easy to feel overwhelmed.
Don’t worry. This moving to Japan checklist covers everything you need to handle in your first 30 days, organized by priority so you can tackle things in the right order.
Your new life in Japan starts now — here’s how to set yourself up for success from day one.
Week 1: The Non-Negotiables
These are the tasks that everything else depends on. Get them done first.
1. Register Your Address at City Hall (Within 14 Days)
This is legally required and should be your first stop. Visit your local ward office (kuyakusho) or city hall (shiyakusho) with:
Your passport
Your Residence Card (zairyu card)
Staff will print your new address on the back of your Residence Card while you wait. This address registration unlocks everything else — you can’t open a bank account, sign up for health insurance, or get a phone contract without it.
Pro tip: While you’re at city hall, ask about registering for National Health Insurance and getting your My Number at the same time. Many offices let you handle all three in one visit.
2. Enroll in National Health Insurance (NHI)
Japan requires all residents to have health insurance. If your employer provides shakai hoken (company insurance), you’re covered. If not — for example, if you’re a student, freelancer, or between jobs — you need to sign up for National Health Insurance at city hall.
NHI covers 70% of medical costs. Monthly premiums depend on your previous year’s income and your municipality, but expect to pay ¥10,000–¥40,000/month.
3. Get a Japanese Phone Number
You need a Japanese phone number for almost everything: bank accounts, deliveries, work communication, and two-factor authentication for online services.
Options for newcomers:
Budget SIMs: IIJmio, Linemo, or Rakuten Mobile (from ~¥1,000/month). Some require a Japanese credit card, but Rakuten Mobile accepts debit cards.
Airport SIMs: Quick setup but often short-term or more expensive. Good as a temporary solution.
Major carriers: Docomo, au, SoftBank — more expensive but offer full support and better coverage in rural areas.
4. Withdraw Cash and Set Up Finances
Japan is still more cash-dependent than many countries, especially for smaller shops, clinics, and city hall payments. Withdraw ¥50,000–¥100,000 from an international ATM (7-Eleven and Japan Post ATMs work best with foreign cards) to cover initial expenses.
Start the process of opening a Japanese bank account — though some banks require you to have lived in Japan for 6 months. Japan Post Bank and SBI Shinsei Bank are the most foreigner-friendly options.
Week 2: Setting Up Your Daily Life
5. Learn the Garbage Rules
This might sound minor, but garbage disposal in Japan is serious business. Each municipality has its own rules about:
Sorting categories: Burnable, non-burnable, PET bottles, cans, glass, paper, cardboard (and sometimes more)
Collection days: Different types are collected on different days
Designated bags: Many areas require specific garbage bags purchased at convenience stores or supermarkets
Collection times: Usually early morning (put out before 8 AM, never the night before)
Your city hall or landlord should provide a garbage calendar. Take it seriously — incorrect disposal is one of the fastest ways to get on your neighbors’ bad side.
6. Get a Transportation IC Card
Get a Suica, PASMO, or ICOCA card for trains and buses. You can also add one to your iPhone or Android wallet app. These cards also work for payments at convenience stores, vending machines, and many shops.
If you’re commuting to work, ask your employer about a commuter pass (teikiken) — it’ll save you significant money on your daily route.
7. Register for My Number
Your My Number (individual number) is Japan’s social security number equivalent. You’ll receive a notification letter after registering your address. Apply for the physical My Number card at city hall — it takes 1-2 months to arrive but is essential for:
Tax filing (e-Tax)
Opening bank accounts
Health insurance procedures
Various government services
Exploring your new neighborhood is one of the best parts of settling in — but first, handle the essentials.
Weeks 3-4: Getting Comfortable
8. Find Your Local Essentials
Locate these near your home:
Supermarkets: Learn which ones have the best prices vs. selection. Late evening visits often mean discounted bento and prepared foods (look for the yellow discount stickers).
100-yen shops: Daiso, Seria, or Can Do — incredibly useful for household items, kitchen supplies, and storage solutions at ¥100 each.
Clinics and hospitals: Find an English-friendly clinic near you before you actually need one. The AMDA International Medical Information Center can help.
Convenience stores: 7-Eleven, FamilyMart, and Lawson are lifelines for ATMs, bill payments, printing, and late-night meals.
9. Set Up Utilities and Internet
If your apartment doesn’t come with internet (most don’t), you’ll need to arrange it. Options include:
Fiber optic (hikari): NURO Hikari, au Hikari, or NTT Flets — fastest but takes 2-4 weeks to install
Pocket Wi-Fi: Quick setup, no installation needed. Good temporary solution.
Home router (SoftBank Air, Docomo home 5G): Plug-and-play, decent speeds, no installation wait
For electricity and gas, your landlord or real estate agent should have set these up, but verify they’re active. Water is usually managed by the municipality.
Work restrictions: Some visas limit the type of work you can do or the number of hours
Renewal timeline: Mark your visa expiration date and start the renewal process 3 months before
Reporting requirements: You must report changes in employer, address, or marital status to immigration within 14 days
11. Start Learning Japanese
Even basic Japanese makes daily life dramatically easier. Start with survival phrases and build from there. Check out our guide to learning Japanese for free and paid resources.
The Complete Checklist
Here’s your at-a-glance checklist to print or save:
Week 1 (Critical):
Register address at city hall
Enroll in health insurance (NHI or confirm employer coverage)
Get a Japanese phone number / SIM card
Withdraw initial cash (¥50,000-¥100,000)
Apply for bank account
Week 2 (Important):
Learn garbage sorting and collection schedule
Get transportation IC card (Suica/PASMO)
Apply for My Number card
Set up commuter pass if applicable
Explore your neighborhood
Weeks 3-4 (Settling In):
Set up home internet
Find local clinics, supermarkets, 100-yen shops
Understand visa conditions and renewal timeline
Start Japanese language study
Register for earthquake/disaster alerts on your phone
Join local community groups or expat meetups
Practical Tips
Bring extra passport photos. Japan loves paper forms with photos. Bring at least 10 passport-sized photos (3cm x 4cm for Japanese standard, or 4.5cm x 3.5cm for residence card). You can also use photo booths (shashin ki) at train stations for about ¥800.
Download essential apps early. Google Maps (works great in Japan), Google Translate (with offline Japanese pack), Suica/PASMO wallet app, Navitime or Yahoo Transit for train routes, and your city’s garbage sorting app.
Don’t ship everything from home. Japan’s 100-yen shops and home goods stores like Nitori have everything you need at reasonable prices. Shipping furniture internationally is rarely worth the cost. Check our cost of living guide for budgeting help.
Keep important documents together. Create a folder with copies of your passport, Residence Card, insurance card, My Number notification, employment contract, and lease agreement. You’ll reference these constantly in the first few months.
Be patient with yourself. Culture shock is real, and some days will be frustrating. The bureaucracy, the language barrier, the different social norms — it all takes time. Understanding Japanese culture and etiquette will help you adjust faster.
FAQ
How much money should I bring to Japan for the first month?
Plan for at least ¥300,000–¥500,000 beyond your rent deposit and first month’s rent. This covers utilities setup, transportation, groceries, phone, health insurance premiums, and unexpected expenses. Some apartments require key money (reikin) and agency fees that can add up to 4-5 months of rent upfront. See our apartment hunting guide for details.
Can I open a bank account right away?
It depends on the bank. Japan Post Bank and SBI Shinsei Bank typically allow account opening shortly after address registration. Most major banks (MUFG, SMBC, Mizuho) may ask you to wait 6 months. Online banks like Sony Bank or Rakuten Bank are sometimes more flexible.
What if I don’t speak Japanese?
Many city halls in major cities have multilingual support or interpreter services. Bring a Japanese-speaking friend for complex tasks. Google Translate’s camera mode can help read documents on the spot. For daily life, apps like DeepL and Google Translate are lifesavers.
Do I need to bring a hanko (personal seal)?
Traditional hanko are becoming less necessary as Japan digitizes, but some landlords, banks, and employers still require one. You can order a custom hanko at shops like Hanko-ya or Don Quijote for ¥1,000–¥3,000. For foreigners, a katakana version of your name is standard.
What about bringing my pet to Japan?
Bringing a dog or cat requires advance planning — at least 7 months before arrival. Japan requires a microchip, rabies vaccinations, blood tests, and an import permit from the Animal Quarantine Service. Start the process early, as quarantine can last up to 180 days if paperwork is incomplete.
Tokyo and beyond — your adventure in Japan is just beginning.
You’re Not Alone in This
Moving to a new country is one of the biggest adventures you’ll ever take. It’s normal to feel lost sometimes — but you don’t have to figure everything out by yourself.
Join a Yoriai Base community event to meet other people who’ve been through exactly what you’re going through. Get tips, make friends, and build your community in Japan from day one.
Whether you are supporting family back home, paying off student loans, or just moving savings between accounts, sending money internationally from Japan is something most foreign residents need to figure out sooner or later. And if you have ever tried doing it through a Japanese bank, you know the fees can be painful.
The good news is that in 2026, there are more affordable and convenient options than ever. Online transfer services have dramatically reduced costs, and the process has gotten much simpler. This guide compares the best ways to send money from Japan, so you can keep more of your hard-earned yen.
Understanding your transfer options can save you thousands of yen in fees
Best International Money Transfer Services From Japan
1. Wise (formerly TransferWise)
Wise is widely considered the gold standard for international transfers from Japan, and for good reason. It uses the real mid-market exchange rate (the one you see on Google) with no hidden markup. Fees are transparent and typically range from 0.4% to 0.8% of the transfer amount, plus a small fixed fee that varies by destination currency.
Pros:
Real exchange rate with no markup
Low, transparent fees clearly shown before you send
Fast transfers (often same-day or next-day)
Excellent English-language app and website
Multi-currency account available (hold balances in different currencies)
Cons:
Only sends to bank accounts (no cash pickup)
Initial verification can take a few days
Transfer limits may apply for new accounts
Best for: Regular transfers to bank accounts. The go-to choice for most expats.
2. Remitly
Remitly is another excellent option, especially popular among expats sending money to Southeast Asia, South Asia, and Latin America. While it uses a slight exchange rate markup instead of charging a separate fee, the total cost is often competitive with Wise.
Pros:
Cash pickup options available in many countries (great if recipients do not have bank accounts)
Often offers promotional rates for first-time users
Easy-to-use mobile app
Supports many destination countries
Cons:
Exchange rate includes a markup (not the mid-market rate)
Rates vary significantly by destination country
Best for: Sending money to countries where cash pickup is needed.
3. SBI Remit
SBI Remit is a Japan-based service that offers very competitive rates for transfers to many Asian countries, particularly the Philippines, Vietnam, Indonesia, Thailand, and other Southeast Asian nations. It partners with local banks and cash pickup networks throughout Asia.
Pros:
Very competitive rates for Asia-bound transfers
Cash pickup available through extensive partner networks
Japanese-regulated service (added security)
Can fund transfers from convenience store ATMs
Cons:
Limited destination countries compared to Wise or Remitly
Website and app primarily in Japanese (some English support)
Best for: Sending money to Southeast Asian countries, especially the Philippines and Vietnam.
4. PayPal
PayPal is widely known and accepted globally, but it is generally not the cheapest option for international transfers. It charges a currency conversion fee of around 3-4% above the mid-market rate, plus a transaction fee.
Pros:
Widely recognized and trusted
Easy to use if both sender and receiver already have accounts
Good buyer/seller protections
Cons:
High currency conversion fees (3-4% markup)
Transaction fees on top of exchange rate markup
Not ideal for large transfers
Best for: Small, occasional transfers when both parties already use PayPal.
5. Western Union
Western Union has a long history and an extensive network of physical locations worldwide. In Japan, you can send money from some convenience stores and banks. However, fees can be relatively high.
Pros:
Massive global network for cash pickup
Available at physical locations (no internet needed)
Long-established, trusted brand
Cons:
Fees start from around 400 yen for cash pickups and go up
Exchange rate markup can be significant
In-person process can be time-consuming
Best for: Sending cash to recipients in remote areas with limited banking access.
6. Japanese Bank Wire Transfer (Gaikoku Sokin)
Traditional bank transfers through Japanese banks like MUFG, SMBC, Mizuho, or Japan Post Bank are reliable but expensive. A standard international wire transfer typically costs:
Sending fee: 3,000-4,000 yen (flat fee)
Lifting fee (intermediary bank charge): around 2,500 yen
Exchange rate markup: 1-2 yen per dollar (or equivalent)
Receiving bank may also charge a fee
For a typical 100,000 yen transfer, you could easily pay 7,000-10,000 yen in total fees and unfavorable exchange rates. That is 7-10% of your transfer amount.
Best for: Large transfers where you need an official bank record, or if required by the receiving institution.
Cost Comparison: Sending 100,000 Yen to the US
To give you a concrete idea of the differences, here is a rough comparison of costs for sending 100,000 yen (approximately $640 USD) to a US bank account:
Service
Total Fee (approx.)
Recipient Gets (approx.)
Wise
500-800 yen
$635-637
Remitly
0-500 yen
$630-636
PayPal
3,000-4,000 yen
$610-620
Japanese Bank
6,000-10,000 yen
$580-605
Note: These figures are approximate and vary based on exchange rates at the time of transfer. Always check current rates before sending.
Online transfer services make sending money from Japan quick and affordable
What You Need to Send Money From Japan
Regardless of which service you choose, you will generally need:
Residence Card (Zairyu Card) or passport for identity verification
My Number (Individual Number) – Required by Japanese law for international transfers
Japanese bank account to fund the transfer (some services also accept credit/debit cards). See our guide to opening a bank account if you have not done this yet.
Recipient’s bank details: account number, bank name, SWIFT/BIC code, and routing number (if applicable)
About My Number Requirements
Since 2016, Japanese regulations require your My Number (Individual Number) for international money transfers. Most online services will ask you to upload a photo of your My Number card or notification letter during the verification process. This is a one-time requirement – once verified, future transfers are smooth.
Practical Tips for Sending Money From Japan
Compare rates at the time of transfer, not just once. Exchange rates fluctuate constantly. Services like Wise show you the exact amount the recipient will receive before you confirm. Check 2-3 services each time for the best deal.
Watch out for “fee-free” promotions. Some services advertise zero fees but make up for it with a poor exchange rate. Always look at the total amount the recipient will receive, not just the stated fee.
Set up rate alerts. Wise and other services let you set alerts for when the exchange rate hits a target you are happy with. This is especially useful if you are not in a rush to send money.
Send larger amounts less frequently. Since some services charge a flat fee component, sending one larger transfer monthly is usually cheaper than several small ones weekly.
Keep records for tax purposes. International transfers over 1 million yen may trigger reporting requirements. Keep receipts and records of all transfers, as the tax office (zeimusho) may ask about them. If you are unsure about tax implications, consult a tax professional.
FAQ
Is there a limit on how much money I can send from Japan?
There is no legal limit on the amount you can transfer, but transfers exceeding 1 million yen must be reported to the Bank of Japan. Additionally, individual transfer services may have their own limits (Wise, for example, has per-transfer and annual limits that increase as you verify your identity further).
How long does an international transfer take?
Online services like Wise and Remitly typically deliver within 1-3 business days, with many transfers arriving same-day. Traditional bank wire transfers usually take 3-5 business days. Cash pickup services like Western Union can be available within minutes.
Do I need to pay taxes on money I send overseas?
Sending your own earned income abroad is not a taxable event in itself. However, if you are sending money as a gift, the recipient may be subject to gift tax rules in their country. Large transfers may also attract attention from tax authorities on both ends, so keep documentation of the source of funds.
Can I send money from Japan if I am on a tourist visa?
Most online transfer services require Japanese residency (a residence card and My Number) for compliance reasons. If you are a tourist, your options are limited to services like Western Union that accept passport-only identification at physical locations, though there may be lower limits on the amount you can send.
What is the cheapest way to send money from Japan?
For bank-to-bank transfers, Wise consistently offers the lowest total cost due to its real exchange rate and low fees. For cash pickup transfers, SBI Remit and Remitly are typically the most affordable, depending on the destination country. Always compare the total received amount (not just the fee) across services for your specific transfer.
Living in Japan means managing finances across borders
Need Help Managing Life in Japan?
Figuring out money transfers is just one part of settling into life in Japan. If you want to connect with other foreigners who have navigated the same challenges – from finding an apartment to understanding health insurance and cost of living – come meet people at our international exchange events. It is a great way to get real, firsthand advice from people who have been in your shoes.
Living in Japan as a foreigner can be an incredibly rewarding experience — but it also comes with unique challenges that can take a toll on your mental health. Language barriers, cultural differences, homesickness, workplace stress, and the feeling of being an outsider can quietly build up over time. If you’ve been struggling and aren’t sure where to turn, you’re not alone. Many foreigners in Japan face similar challenges, and thankfully, there are real support systems available to help you through difficult times.
This guide covers the key mental health resources available to foreigners in Japan, from English-speaking therapists to crisis hotlines and affordable options through the national health insurance system.
Taking care of your mental health is just as important as physical health — especially when living abroad.
Understanding Mental Health Challenges for Foreigners in Japan
Moving to a new country is one of the most stressful life events a person can experience. For foreigners in Japan, several factors can compound this stress:
Language barriers: Even with conversational Japanese skills, discussing complex emotions or medical symptoms in a second language can feel overwhelming. Many foreigners hesitate to seek help simply because they don’t know how to express what they’re feeling in Japanese.
Cultural stigma: While attitudes are gradually changing, mental health still carries significant stigma in Japan. This can make it harder for foreigners to talk openly about their struggles, especially in the workplace.
Social isolation: Being far from family and childhood friends, combined with the difficulty of forming deep relationships across cultural and language divides, can lead to profound loneliness.
Work culture stress: Japan’s demanding work culture — long hours, strict hierarchies, and pressure to conform — can be particularly challenging for foreigners who aren’t accustomed to these expectations.
Visa-related anxiety: The stress of maintaining visa status, renewing contracts, and the ever-present possibility of having to leave can create chronic anxiety.
If any of these sound familiar, know that seeking help is a sign of strength, not weakness. Japan has a growing network of mental health professionals who understand the unique challenges of living abroad.
English-Speaking Counseling and Therapy Services
Finding a therapist who speaks your language and understands your cultural background is crucial. Here are the most trusted organizations offering English-language mental health services in Japan:
TELL Japan (Tokyo English Life Line)
Founded in 1973, TELL is arguably the most well-known mental health resource for the international community in Japan. They offer:
TELL Lifeline: A free crisis support line at 0800-300-8355, available 9 AM–11 PM (Mon–Thu) and 9 AM–2 AM (Fri–Sun)
Professional counseling: Licensed therapists available in person in Tokyo, Yokohama, Okinawa, and Kyoto
Online/video therapy: Available for people anywhere in Japan
Sliding-scale fees: Financial assistance available based on income
Insurance: Accepts Cigna International and Tricare
Tokyo Mental Health
Tokyo Mental Health provides psychotherapy exclusively in English with internationally qualified therapists. They serve clients in Tokyo and Okinawa, and offer telehealth sessions throughout Japan. Their team includes psychologists, counselors, and psychiatrists who specialize in working with expatriates and international residents.
International Mental Health Professionals Japan (IMHPJ)
The IMHPJ maintains a searchable online database of English-speaking therapists, counselors, and psychiatrists across Japan. You can filter by location, specialty, and language. This is an excellent starting point if you’re looking for a private practitioner in your area.
Other English-Speaking Options
Specialized clinics: Several larger clinics in major cities now offer English-speaking psychiatrists and psychologists
University hospital psychiatry departments: Major university hospitals in Tokyo, Osaka, and other cities sometimes have English-speaking staff
Online platforms: Services like BetterHelp and Talkspace can connect you with English-speaking therapists remotely, though they operate outside Japan’s insurance system
English-speaking therapists in Japan understand the unique stresses of expatriate life.
Crisis Hotlines and Emergency Support
If you or someone you know is in crisis, these hotlines provide immediate support:
Service
Phone Number
Languages
Hours
TELL Lifeline
0800-300-8355
English
9AM–11PM / 2AM
Yorisoi Hotline
0120-279-338 (press 2)
EN, CN, KR, PT, ES, TH, VI, TL, NE
10AM–10PM
Japan Healthcare Info
0570-064-211
Multiple languages
Varies
Emergency (ambulance)
119
Japanese (interpreter available)
24/7
The Yorisoi Hotline is especially valuable for non-English speakers, offering support in nine languages including Chinese, Korean, Portuguese, Spanish, Tagalog, Thai, Vietnamese, and Nepali.
How Japan’s Health Insurance Covers Mental Health
One of the biggest concerns for foreigners seeking mental health support is cost. The good news is that Japan’s National Health Insurance (NHI) covers psychiatric and psychological care:
Standard coverage: You pay only 30% of the total cost for psychiatric consultations, follow-up appointments, and prescribed medications
Jiritsu Shien Iryo (自立支援医療): If you need ongoing psychiatric treatment, you can apply at your municipal office to reduce your share to just 10% of costs. This is a hugely important cost-reduction measure that many foreigners don’t know about.
What’s typically NOT covered: Non-psychiatric counseling/therapy sessions with psychologists or counselors (these are usually out-of-pocket)
A typical initial psychiatric consultation under NHI costs around 2,000–4,000 yen (your 30% share). With the Jiritsu Shien Iryo subsidy, this drops to approximately 700–1,300 yen per visit.
Workplace Mental Health Rights
If your mental health challenges are related to work, there are several protections and resources available:
Annual stress checks: Companies with 50 or more employees are legally required to provide annual stress check surveys. Results are confidential and can connect you with workplace counseling.
Employee Assistance Programs (EAPs): Many larger companies, especially international firms, offer EAPs that provide free confidential counseling sessions.
Leave for mental health: Under Japanese labor law, you can take medical leave for mental health conditions. A psychiatrist can provide a diagnosis and a certificate (診断書) that entitles you to sick leave.
Workers’ compensation: If your mental health condition is caused by workplace conditions (overwork, harassment), you may be eligible for workers’ compensation through the labor standards office.
If you’re facing workplace harassment or unfair treatment, the foreign worker support resources listed in our employment guide may also be helpful.
Building a Support Network
Professional help is important, but building a strong personal support network matters just as much. Here are ways to build connections that support your mental wellbeing:
Stay connected with home: Regular video calls with family and friends back home can be a lifeline during tough times.
Find cultural communities: Many nationalities have active communities in Japan’s major cities, offering events, mutual support, and a taste of home.
Practice self-care routines: Establish regular habits that support your mental health — exercise, time in nature, hobbies, and adequate sleep.
Practical Tips for Managing Mental Health in Japan
Don’t wait until you’re in crisis. If you notice persistent changes in your mood, sleep, appetite, or motivation, reach out to a professional early. Prevention is always easier than recovery.
Save hotline numbers in your phone now. You may not feel able to search for help when you need it most. Add the TELL Lifeline (0800-300-8355) and Yorisoi Hotline (0120-279-338) to your contacts today.
Ask about the Jiritsu Shien Iryo subsidy. If a psychiatrist recommends ongoing treatment, apply for the self-support medical care subsidy at your city or ward office. It can cut your costs dramatically.
Use your company’s EAP. If your employer offers an Employee Assistance Program, use it — sessions are typically free and confidential, even from your employer.
Consider online therapy. If you live outside a major city or can’t find a local English-speaking therapist, online counseling through TELL or international platforms can bridge the gap.
FAQ
Can I see a therapist in Japan without speaking Japanese?
Yes. Organizations like TELL Japan, Tokyo Mental Health, and practitioners listed on the IMHPJ database offer counseling in English and other languages. Online therapy is also available from anywhere in Japan.
Is mental health treatment covered by Japanese health insurance?
Psychiatric consultations and prescribed medications are covered by NHI at the standard 30% copay. Counseling with non-medical psychologists is generally not covered. For ongoing psychiatric care, the Jiritsu Shien Iryo program can reduce your copay to 10%.
How much does therapy cost in Japan?
Private English-speaking therapy sessions typically cost 10,000–20,000 yen per session without insurance. Psychiatric consultations under NHI cost around 2,000–4,000 yen (30% copay). TELL offers sliding-scale fees based on income.
What should I do if I’m in a mental health crisis?
Call the TELL Lifeline at 0800-300-8355 (9AM–11PM/2AM) or the Yorisoi Hotline at 0120-279-338 (press 2 for English, 10AM–10PM). For medical emergencies, call 119 for an ambulance.
Can I take sick leave for mental health in Japan?
Yes. A psychiatrist can issue a medical certificate (診断書) that entitles you to take leave. Many companies offer paid sick leave, and if yours doesn’t, you may be eligible for injury and sickness allowance (傷病手当金) through your health insurance, which covers about two-thirds of your salary for up to 18 months.
Building meaningful connections in Japan is one of the best things you can do for your mental health.
You Don’t Have to Face This Alone
Navigating life in Japan comes with real challenges, and struggling with your mental health doesn’t mean you’re failing — it means you’re human. Whether you need someone to talk to right now or want to proactively build a support system, the resources in this guide are here for you.
At Yoriai Base, we believe that connection is one of the most powerful tools for wellbeing. If you’re looking for a welcoming community where you can meet others who understand the experience of living in Japan as a foreigner, check out our upcoming events. Sometimes, just knowing you’re not alone makes all the difference.
If you’re a foreigner living and working in Japan, tax season can feel overwhelming. Between income tax, residence tax, and a filing system that’s mostly in Japanese, it’s easy to feel lost. But here’s the good news: once you understand the basics, filing taxes in Japan is actually quite straightforward — and you might even get money back.
This guide breaks down everything you need to know about tax filing in Japan for foreigners, from understanding your tax obligations to actually submitting your return.
Understanding your tax obligations is the first step to stress-free filing in Japan.
Understanding Japan’s Tax System: Two Taxes You Need to Know
Japan has two main taxes that affect your paycheck:
1. Income Tax (Shotokuzei / 所得税)
This is a national tax collected by the central government. It’s progressive, meaning the more you earn, the higher your rate. Here are the current brackets:
Up to ¥1,950,000: 5%
¥1,950,001 – ¥3,300,000: 10%
¥3,300,001 – ¥6,950,000: 20%
¥6,950,001 – ¥9,000,000: 23%
¥9,000,001 – ¥18,000,000: 33%
¥18,000,001 – ¥40,000,000: 40%
Over ¥40,000,000: 45%
On top of these rates, there’s a 2.1% reconstruction surtax applied to your income tax amount (not your income). This was introduced after the 2011 earthquake and is still in effect.
2. Residence Tax (Juminzei / 住民税)
This is a local tax collected by your city or ward. It’s a flat 10% of your taxable income (6% prefectural + 4% municipal), plus a small per-capita levy of around ¥5,000.
Here’s the tricky part: residence tax is based on where you lived on January 1st of the current year and is calculated on last year’s income. So if you arrived in Japan on March 15, 2025, you won’t owe any residence tax until June 2026 — and that bill will be based on your 2025 earnings from March onward.
This also means that if you leave Japan, you’ll still owe residence tax for the year you departed, billed in the following June. Many foreigners are surprised by this.
Do You Need to File a Tax Return (Kakutei Shinkoku)?
Not everyone needs to file. Here’s how to figure out if you do:
You probably DON’T need to file if:
You work for one employer in Japan
Your annual salary is under ¥20 million
Your employer does year-end tax adjustment (nenmatsu chosei / 年末調整) for you
You have no other income (or other income is under ¥200,000)
You SHOULD file if:
You have multiple employers or income sources
You’re self-employed or freelancing
You earn over ¥20 million annually
You have medical expenses over ¥100,000 (to claim deductions)
You left or started a job mid-year and didn’t get a year-end adjustment
You want to claim deductions your employer didn’t handle (e.g., mortgage, donations via furusato nozei)
You’re leaving Japan permanently (you must file before departure)
Your tax obligations depend on your residency status and how long you’ve been in Japan.
Tax Residency: How It Affects What You Owe
Japan classifies taxpayers into three categories:
Non-resident: Lived in Japan less than 1 year, no intention to stay. Taxed only on Japan-source income at a flat 20.42%.
Non-permanent resident: Lived in Japan for 1–5 years without permanent residency. Taxed on Japan-source income and any foreign income remitted to Japan.
Permanent resident (for tax purposes): Lived in Japan for 5+ years OR hold permanent residency. Taxed on worldwide income.
This classification is important — especially if you have income from investments, rental properties, or work abroad. If you’re a non-permanent resident, foreign income that stays in a foreign bank account is generally not taxed in Japan.
How to File Your Tax Return: Step by Step
When to File
The filing period is February 16 to March 15 each year, for income earned in the previous calendar year (January 1 – December 31). If March 15 falls on a weekend, the deadline extends to the next business day.
What You’ll Need
Gensen choshu-hyo (源泉徴収票) — Your withholding tax slip from each employer. You should receive this by January.
My Number card (or My Number notification card + photo ID)
Bank account details for your refund
Receipts for medical expenses, insurance premiums, donations, etc.
Three Ways to File
Option 1: Online via e-Tax
The National Tax Agency’s e-Tax system now has partial English support. You’ll need a My Number card and a card reader (or a compatible smartphone). This is the most convenient option if you’re comfortable with the interface.
Option 2: In Person at the Tax Office
Visit your local tax office (zeimusho / 税務署) during the filing period. Many offices set up special filing assistance areas with staff who can help you fill out the forms. Some larger offices have English-speaking staff, but don’t count on it — bring a Japanese-speaking friend if possible.
Option 3: Hire a Tax Accountant (Zeirishi)
A bilingual tax accountant typically charges ¥30,000–¥80,000 for a standard return. This is worth considering if you have complex income (multiple sources, overseas income, capital gains) or if you’re not confident navigating the system in Japanese. Check out resources in your local expat community for recommendations.
Common Deductions Foreigners Often Miss
You could be leaving money on the table if you don’t claim these:
Medical expense deduction: If total medical expenses exceed ¥100,000 (or 5% of your income if under ¥2 million), you can deduct the excess.
Social insurance premiums: Usually handled by your employer, but double-check if you changed jobs.
Life and earthquake insurance premiums: Partial deductions available.
Furusato nozei (hometown tax donations): Donate to rural municipalities and get the amount deducted (minus ¥2,000) from your taxes, plus receive local specialty gifts. This is essentially a tax-neutral way to get free regional products.
Spouse deduction: If your spouse earns under a certain threshold, you may qualify.
Dependent deduction: For dependents in Japan or overseas (with proof of support).
Practical Tips for Stress-Free Tax Filing
Keep all receipts organized throughout the year. Create a folder (physical or digital) sorted by category: medical, insurance, donations, work expenses. When February rolls around, you’ll thank yourself.
Get your My Number card early. You’ll need it for e-Tax and many other administrative tasks. Apply at your local city hall — it takes 1-2 months to receive, so don’t wait until tax season.
Don’t forget about furusato nozei. It’s one of the best tax benefits available to anyone living in Japan. Use sites like furunavi.jp or satofull.jp to find and make donations easily.
File even if you don’t have to. If your employer did year-end adjustment but you had significant medical expenses or other deductions, filing a return could get you a refund.
Set up your bank account for direct deposit refunds. Refunds typically take 1-2 months after filing. Make sure your Japanese bank account details are correct on the form.
Staying organized throughout the year makes tax filing season much smoother.
Residence Tax: What to Expect After Filing
Even after filing your income tax return, you’ll separately receive a residence tax bill around June. How you pay depends on your employment:
Employees: Residence tax is usually deducted from your paycheck in 12 monthly installments (June through May of the following year). This is called special collection (tokubetsu choshu).
Self-employed / Freelancers: You’ll receive a bill with 4 payment due dates (June, August, October, January). You can pay at convenience stores, banks, or via PayPay and other mobile payment apps.
If you’re leaving Japan, make sure to either pay your remaining residence tax in full or designate a tax representative (nozei kanrinin) who will handle payments on your behalf.
FAQ
What happens if I miss the March 15 deadline?
You can still file a late return, but you may face a late filing penalty (15-20% of the unpaid tax) and delinquent tax interest (currently around 2.4-8.7% per year). If you’re owed a refund, there’s no penalty for filing late — but you should still file within 5 years.
Do I need to file taxes if I’m on a student visa?
If you’re working part-time, your employer likely withholds income tax. If that’s your only income source and your employer does year-end adjustment, you may not need to file. However, if you have multiple part-time jobs, you should file to ensure the correct amount was withheld.
Can I file taxes in English?
The e-Tax system has some English support, and the NTA publishes English-language guides. However, most forms and the full filing process are in Japanese. Consider using a bilingual tax accountant or asking for help at your local tax office.
I’m leaving Japan permanently. What do I need to do about taxes?
You must file a final tax return before you leave (or appoint a tax representative to file on your behalf). You’ll also need to settle any outstanding residence tax. Your employer should provide your withholding slip early if you inform them of your departure. Check our visa guide for related immigration steps.
What is furusato nozei and should I do it?
Furusato nozei is a donation system where you contribute to local governments across Japan and receive the donation amount as a tax deduction (minus ¥2,000), plus regional gifts like wagyu beef, rice, or fruit. If you pay residence tax in Japan, it’s almost always worth doing. Your deduction limit depends on your income and family situation.
Get Connected with Other Foreigners in Japan
Navigating taxes in a foreign country is easier when you have a community to lean on. Whether you need a tax accountant recommendation or just want to vent about paperwork, connecting with other foreigners in Japan can make all the difference.
Moving to Japan or staying long-term? One of the first things you need to sort out is your phone situation. Whether you need mobile data to navigate the trains, a phone number for signing up to services, or a way to stay connected with friends back home, getting the right SIM card or phone plan makes a huge difference in your daily life.
The good news is that getting connected in Japan has become much easier for foreigners in recent years. From prepaid data-only SIMs to full contract plans with major carriers, there are plenty of options to fit your needs and budget. This guide walks you through everything you need to know in 2026.
Staying connected is essential for navigating daily life in Japan
Understanding Your Options: Prepaid SIM vs. Contract Plan vs. eSIM
Before diving into specific providers, it helps to understand the three main categories of mobile connectivity in Japan:
Prepaid Data-Only SIM Cards
These are the easiest option if you just need internet access. Prepaid SIMs are available at airports, electronics stores like Bic Camera and Yodobashi Camera, and even convenience stores like Lawson, FamilyMart, and 7-Eleven. They typically come with a fixed data allowance (1GB to 50GB+) and validity period (8 to 31 days or longer). Prices range from about 3,000 to 5,000 yen for standard packages.
The catch? Most prepaid SIMs are data-only, meaning you cannot make phone calls or send SMS. This is fine for tourists but can be limiting for residents who need a phone number for opening a bank account, signing up for services, or receiving verification codes.
Contract Phone Plans (Postpaid)
If you are living in Japan and need a phone number, a contract plan with a carrier is the way to go. Japan has three major carriers:
NTT Docomo – The largest network with the best nationwide coverage
au (KDDI) – Strong coverage, especially in rural areas
SoftBank – Good urban coverage, often has foreigner-friendly support
Major carrier plans typically cost between 5,000 and 10,000 yen per month for data + voice. However, all three carriers now offer budget sub-brands:
ahamo (Docomo) – 20GB for 2,970 yen/month
povo (au) – Base plan is 0 yen; buy data as you need it
LINEMO (SoftBank) – 3GB for 990 yen/month or 20GB for 2,728 yen/month
eSIM
If your phone supports eSIM (most newer iPhones and Android flagships do), this is often the fastest and most convenient option. You can purchase and activate an eSIM online before you even arrive in Japan. Providers like Ubigi, Airalo, Saily, and the carriers’ own eSIM options let you scan a QR code and get connected instantly. No physical SIM card swapping needed.
MVNOs (Budget Carriers)
MVNOs (Mobile Virtual Network Operators) use the major carriers’ networks but offer significantly cheaper plans. Popular MVNOs for foreigners include:
IIJmio – Plans from 850 yen/month (2GB)
Mineo – Flexible plans with data sharing features
LINE MOBILE – Popular for its LINE integration (free LINE data usage)
Rakuten Mobile – Technically a fourth carrier now, with plans starting at 1,078 yen/month (up to 3GB) and unlimited data for 3,278 yen/month
What Documents Do You Need?
The documents you need depend on the type of SIM or plan you are signing up for:
For Prepaid Data-Only SIMs
Usually just your passport. Some may not even require ID. These are available to tourists and residents alike.
For Contract Plans (Postpaid) and MVNOs with Phone Numbers
You will typically need:
Residence Card (Zairyu Card) – This is the most important document. You need to be a registered resident of Japan.
Japanese bank account or credit card – For monthly payments. Some carriers accept foreign credit cards, but a Japanese payment method is more reliable. Check our guide on opening a bank account in Japan.
My Number Card (in some cases) – Increasingly requested for identity verification.
Passport – As supplementary ID.
Note: If you have just arrived and do not yet have a residence card or proper visa, you will be limited to prepaid or eSIM options until your paperwork is sorted.
Electronics stores like Bic Camera and Yodobashi Camera are great places to buy SIM cards
Where to Buy a SIM Card in Japan
At the Airport
Major international airports (Narita, Haneda, Kansai, Chubu Centrair) have SIM card counters and vending machines in the arrivals area. This is the most convenient option if you need connectivity immediately, though prices tend to be slightly higher than other locations. NINJA WiFi and other services offer pickup lockers where you can pre-order online and collect your SIM in seconds.
Electronics Stores
Bic Camera, Yodobashi Camera, and Sofmap carry a wide range of SIM cards and can help you sign up for contract plans. Staff at major locations often speak some English. These stores are found in most major cities, usually near train stations.
Carrier Shops
Docomo, au, and SoftBank all have dedicated shops throughout Japan. Visit these if you want a full contract plan with a phone number. Wait times can be long, and staff may have limited English, so consider bringing a Japanese-speaking friend or using a translation app.
Online
Many MVNOs and eSIM providers operate primarily online. This is often the cheapest option and most language-friendly, as many websites offer English interfaces. Rakuten Mobile, IIJmio, and ahamo all have English-language sign-up processes.
Step-by-Step: Getting a Contract Phone Plan
Choose your carrier or MVNO based on your budget and data needs.
Gather your documents: Residence Card, bank account/credit card info, passport.
Visit a carrier shop or sign up online. If going in person, arrive early as wait times can exceed an hour.
Select your plan. Most carriers will try to upsell you on extras – feel free to decline optional services.
Choose a phone number or port your existing number (MNP transfer).
Complete payment setup – usually auto-debit from your bank account or credit card.
Receive your SIM card (or activate eSIM) and start using your new plan.
The whole process typically takes 30-60 minutes in-store, or a few days if ordering online (SIM card ships by mail).
Practical Tips for Choosing the Right Plan
Start with a prepaid or eSIM on arrival, then switch to a contract plan later. Do not rush into a 2-year contract your first week. Get settled, open a bank account, and then make an informed decision.
Consider how much data you actually need. With free Wi-Fi available at most cafes, train stations, and convenience stores, you might use less data than you think. Many people do fine with 3-5GB per month.
Budget carriers are just as good for most people. MVNOs like IIJmio and Rakuten Mobile use the same networks as the big three but cost a fraction of the price. Speeds may slow slightly during peak hours, but it is barely noticeable for typical usage.
Check contract cancellation terms. Japan has improved consumer protections, and most carriers no longer charge early termination fees. But read the fine print, especially for plans that include a subsidized phone.
Use LINE for calls. Almost everyone in Japan uses LINE for messaging and voice/video calls. Even if you have a data-only SIM, you can make free calls over LINE. This is one reason many foreigners opt for cheaper data-heavy plans instead of expensive voice plans.
FAQ
Can I get a phone plan in Japan without a residence card?
For prepaid data-only SIMs and eSIMs, you usually just need a passport. However, contract plans with a phone number almost always require a residence card (Zairyu Card). If you are on a tourist visa, you are limited to prepaid options.
Do Japanese phone plans work with my unlocked phone from home?
Yes, as long as your phone is unlocked and supports the frequency bands used in Japan. Most modern smartphones from major brands (Apple, Samsung, Google Pixel) work fine. Check your phone’s specs for bands like Band 1 (2100MHz), Band 3 (1800MHz), and Band 19 (800MHz) for the best compatibility.
How long does it take to get a SIM card?
Prepaid SIMs can be purchased and activated in minutes at the airport or an electronics store. Contract plans take 30-60 minutes in-store. Online sign-ups may take 2-5 days for the SIM to arrive by mail, though eSIM activation is instant.
Can I keep my phone number if I switch carriers?
Yes, Japan supports MNP (Mobile Number Portability). You can transfer your phone number from one carrier to another. Request an MNP reservation number from your current carrier, then provide it when signing up with the new one.
What is the cheapest way to have a phone number in Japan?
Rakuten Mobile offers plans starting at 1,078 yen/month (up to 3GB with a phone number), and povo 2.0 from au has a base plan of 0 yen/month (you pay only for data toppings as needed). These are excellent options if you want a local phone number without spending much. For even cheaper data-only connectivity, IIJmio starts at 850 yen/month.
Once you are connected, navigating Japan becomes much easier
Get Connected with the Expat Community
Getting your phone set up is just one piece of settling into life in Japan. If you are looking for advice from people who have been through it all – or just want to make friends in a new country – check out our guide to finding expat communities in Japan or browse upcoming international exchange events where you can meet fellow foreigners and locals in a welcoming environment.
