Difficulties in Opening a Corporate Bank Account in Japan: A Complete Guide for 2025

For foreigners who have established a company in Japan, opening a corporate bank account is one of the most important challenges. In 2025, it remains difficult for foreigners to open a corporate bank account. This article provides a detailed explanation of the reasons why it is difficult to open a corporate bank account, how to successfully open an account, and points to note. We recommend that you grasp accurate information and use Check Visa Eligibility to simultaneously check the possibility of obtaining a visa.

Reasons Why Opening a Corporate Bank Account is Difficult

The reasons why it is difficult for foreigners to open a corporate bank account include, first, "stricter identity verification," second, "verification of business operations," third, "lack of credit information," and fourth, "language barrier." By understanding these reasons, you can take measures to successfully open an account.

Stricter Identity Verification and Verification of Business Operations

In 2025, financial institutions are conducting stricter identity verification due to strengthened measures against money laundering. In particular, in the case of foreigners, in addition to confirming their residence card or passport, they may be required to submit additional identity verification documents. In addition, verification of business operations has also become stricter, and it is necessary to prove that you are actually conducting business.

Lack of Credit Information and Language Barrier

In the case of foreigners, information is not registered with Japanese credit information agencies, so a lack of credit information becomes a problem. In addition, if communication in Japanese is difficult, negotiations with the bank will be difficult. To solve these problems, appropriate preparation and support from experts are required.

Practical Approaches to Successfully Opening a Corporate Bank Account

In order to successfully open a corporate bank account, the first priority is "selecting an appropriate bank," the second is "perfect preparation of required documents," the third is "clear proof of business operations," and the fourth is "expert support." By keeping these points in mind, you can increase the success rate of opening an account.

Selecting an Appropriate Bank and Advance Preparation

In order to select an appropriate bank, it is important to choose a bank that understands foreigners. In particular, choosing an international bank or a bank that provides services for foreigners can increase the success rate of opening an account. It is also important to contact the bank in advance and confirm the necessary documents.

Perfect Preparation of Required Documents and Proof of Business Operations

Required documents include the company's certificate of registered matters, the representative's residence card, passport, company seal certificate, business plan, and contracts with business partners. By perfectly preparing these documents and clearly proving the actual state of the business, the success rate of opening an account can be increased.

Latest Trends and Points to Note for Opening a Corporate Bank Account in 2025

In 2025, with the advancement of digitalization, some procedures for opening a corporate bank account can be done online. However, on the other hand, the screening process tends to be stricter, making it more difficult to open an account. It is important to grasp accurate information and make appropriate preparations.

Changes in Procedures Due to Digitalization

In 2025, some procedures can be done online. In particular, the submission of application forms and the submission of required documents can now be done online. However, for identity verification, a direct visit to the bank is still required. Digitalization has made the procedures more efficient, but the screening process has become stricter.

Stricter Screening and the Importance of Expert Support

In 2025, the screening process tends to be stricter, making it more difficult to open a corporate bank account. In particular, verification of business operations and identity verification are becoming stricter. It is recommended to receive support from experts in order to successfully open an account. By receiving support from experts, you can make appropriate preparations and increase the success rate of opening an account.

Start with a Free Visa Eligibility Check

If you are considering opening a corporate bank account, we recommend that you first receive a free visa eligibility check. Experts will analyze your situation in detail and provide you with accurate opening procedures and the possibility of acquisition.

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