In this article, we explain how to do a domestic bank transfer (furikomi) at a Japanese ATM, using a cash card (ATM card) to transfer money from your account to another bank account in Japan. This post is part of our series on how to live in a Japanese apartment, which covers practical aspects of living in Japan, such as reading your electricity bill and setting up an internet connection.
The majority of people in Japan pay their rent by automatic withdrawal or manual bank transfer every month. When you pay your utility bills, you may also want to pay by bank transfer, though you have the option of paying by automatic withdrawal, with a credit card or with a payment slip at the convenience store.
If you don’t have a Japanese bank account, it is almost impossible to rent a long-term apartment in Japan because most landlords and property management companies do not accept credit cards as a payment option.
If you do not have a domestic bank account (or even if you do and would rather pay your rent by credit card to earn points), you may want to consider using the GaijinPot Housing Service through which you can rent an apartment without a guarantor and can pay all your costs (including move-in costs and monthly rent) with a credit card.
If you do have a bank account and want to pay your rent by bank transfer, below is how to do so using your cash card at an ATM machine.
Most Japanese bank ATMs give you the option to select the language (English, Korean, Chinese, or Portuguese) by tapping the appropriate button on the start screen, but there is some information that will be provided to you only in Japanese: most importantly, the bank account details of where to transfer payment to.
Information you need to do a domestic bank transfer (furikomi, 振り込み)
To do a domestic wire transfer, you need to know the following five pieces of information about the company or person that you are transferring money to (the recipient or payee). You will be given this information by your landlord or property management company. Remember to bring this info with you on a slip of paper or saved on your smart phone.
- 銀行名 (Ginkō-mei) or 金融機関名(Kin’yūkikan-mei): Name of bank or financial institution
- 支店名 (Shiten-mei): Name of branch
- 口座科目 (Kōza kamoku): Account type
- 当座 (Tōza) – Current (Checking) Account or
- 普通 (Futsū) – Regular Account
- 口座番号 (Kōza bangō): This is a seven digit number
- 口座名義 (Kōza meigi): The name of the company or person you are transferring money to (payee)
You will also need:
- Your cash (ATM) card
- Basic knowledge of hiragana and/or katakana to select the bank and input the payee’s name
Bank Transfer Cut-Off Time
The bank transfer cut-off time for most banks in Japan is 3PM on weekdays. If you do a furikomi bank transfer before 3PM on a business day, it will go through on the same day. After this time or on a weekend, it will go through on the following business day. Keep this in mind so you don’t miss any deadlines (like the day your rent is due!).
Asking for help
If you use a bank ATM inside a bank branch during business hours, there is usually an attendant standing by to help. Most Japanese bank employees do not speak English, but if you show them the bank transfer information above, they will likely understand that you want to do a furikomi bank transfer, show you how to switch the screen to English, and help you with the screens that require katakana input.
お振込みをしたいです： Ofurikomi shitai desu. (I would like to do a bank transfer.)
助けてください。： Tasukete kudasai. (Please help me.)
Steps for Doing a Bank Transfer with a Cash Card
Every bank ATM is a little different, but the following steps are generally applicable to every domestic bank transfer.
- Step 1: Select ofurikomi (お振込み) on the welcome screen
- Step 2: Acknowledge that you are aware of possible bank transfer fees
- Step 3: Insert your cash card and input your PIN
- Step 4: Select the name of the recipient bank
- Step 5: Select the name of the recipient bank branch
- Step 6: Select the account type (checking or regular)
- Step 7: Input the 7-digit account number
- Step 8: Input the transfer amount
- Step 9: Confirm that all transfer info is correct
Step 1: Select ofurikomi (お振り込み) on the welcome screen
Step 2: Acknowledge that you are aware of possible bank transfer fees
Tap the green 確認 (kakunin) button to confirm that you are aware of possible extra fees.
Step 3: Insert your cash card and input your PIN
Fraud Alert Screen
Input your PIN
PIN in Japanese is 暗証番号 (anshou bangou).
If you make a mistake while inputting your PIN, you can tap the yellow 訂正 (teisei) button, which means “correction”.
Re-confirm that you want to do a furikomi bank transfer and will designate a payee.
Step 4: Select the name of the recipient bank
Step 5: Select the name of the recipient bank branch
Step 6: Select the Account Type
Step 7: Input the 7-digit account number
Register payee info if you will be transferring money to this payee again!
At this point, most bank ATMs will show you a screen asking whether you want to register this payee information for future use. It’s a good idea to do so, especially if you’ll be paying your rent by bank transfer every month. Here are the two words and buttons you’ll want to look for on the registration screen:
登録する (touroku suru): register
登録しない (touroku shinai): do not register
Step 8: Input the bank transfer amount
Step 9: Confirm that all transfer info is correct
Useful vocabulary for doing a bank transfer
Below is some vocabulary that is useful for doing a bank transfer.
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