SMBC三井住友银行

Japan 传统银行 In-branch required Permit holders ★ 3.5
Minimum depositNo initial deposit
Monthly feeNo maintenance fee
Minimum balanceNo minimum balance
How to apply—
Processing time~1 hour
Institution typeTraditional Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Advantages

  • Wide branch/ATM coverage
  • Modern Olive account with a great app
  • Competitive overseas remittance fees

Things to note

  • Needs residence card and residency certificate
  • Counter/online banking mostly Japanese
  • Monthly and admin fees vary by plan

Documents required

  • Residence card
  • Passport
  • Japanese address and phone
  • Seal or signature

Must apply in person at a branch; valid residence permit or visa required; extra conditions apply to non-residents

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.