Rakuten Group’s mobile wallet, deeply integrated with Rakuten Points so you can pay with points directly. Widely accepted at convenience stores, drugstores, restaurants and across the Rakuten ecosystem.
!Not a bank. Rakuten Pay operates as a funds-transfer service and e-money under Japan’s Payment Services Act; balances are not deposits; wallet balances are e-money / stored value, NOT deposits, and are outside deposit-insurance protection. Funds are safeguarded in segregated / trust accounts under the applicable rules, not covered by any deposit guarantee scheme.
Limited. You need a Japanese mobile number and a Rakuten account; verification uses a residence card and requires a Japanese address. Short-stay visitors without a residence card generally cannot complete verification.
No mandatory minimum; auto-charge is supported｜Payments are free; some withdrawals and transfers are charged per in-app notices.
Limits scale with verification tier; unverified balances are capped very low. Check the app. Balances are not deposits and are not deposit-insured.
Limited. You need a Japanese mobile number and a Rakuten account; verification uses a residence card and requires a Japanese address. Short-stay visitors without a residence card generally cannot complete verification.
Local bank account: Not required — you can bind a Japanese card or bank account, and pay with Rakuten Points. Items typically needed: A Japanese mobile number; A Rakuten ID; Residence card (foreigners); A Japanese bank account or Japanese credit card (optional).
Typically: A Japanese mobile number; A Rakuten ID; Residence card (foreigners); A Japanese bank account or Japanese credit card (optional).
How to sign up: Fully online — register with a Japanese number and verify with a residence card (About 10–15 minutes). Steps: 1) Create a Rakuten ID and download the Rakuten Pay app 2) Verify your Japanese mobile number 3) Link a Japanese bank account or credit card 4) Upload your residence card for identity verification 5) Enable auto-charge, then pay by QR and earn points Fees: Payments are free; some withdrawals and transfers are charged per in-app notices.
Limits scale with verification tier; unverified balances are capped very low. Check the app. Balances are not deposits and are not deposit-insured.
E-wallet rules change often — always follow the latest instructions in the official app.