Are Banks Open Today in Japan?
Japan's banking system is highly developed and technologically advanced, supervised by the Financial Services Agency and the Bank of Japan. Japanese banks are known for their reliability and efficiency. Banking hours are standardized across the country, with most banks operating weekdays only. Japan has numerous national holidays, including unique celebrations like Golden Week, which can result in extended bank closures.
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Upcoming Bank Holidays in Japan
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Banking Hours in Japan 2026
Complete guide to bank operating hours across Japan. Most banks follow standard business hours, but specific branches may vary.
Standard Banking Hours
Japanese banks typically operate Monday through Friday from 9:00 AM to 3:00 PM for over-the-counter services. Some branches in major cities may extend hours slightly. Most banks are closed on weekends and national holidays. ATMs have varying hours, with convenience store ATMs often operating 24/7.
Note: Banking hours may vary by branch location, especially in shopping centers, airports, or tourist areas. Always verify with your specific branch before visiting.
About Banking Hours in Japan
Banking institutions in Japan generally operate during standard business hours on weekdays. However, operating hours can vary significantly based on the bank, branch location, and local regulations.
Weekend Hours: Many banks in Japan are closed on weekends, though some branches in major cities or shopping centers may offer limited Saturday hours. Sunday operations are rare and typically limited to ATM services.
Holiday Closures: Banks in Japan observe national public holidays and may also close for regional holidays. During holiday seasons, some branches may operate on reduced hours.
Extended Hours: Select branches, particularly those in commercial districts or transportation hubs, may offer extended hours to accommodate customer needs. Check with your specific branch for their exact schedule.
Bank Operating Hours in Japan 2026
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Tips for Banking in Japan
- •Visit during mid-morning or early afternoon to avoid peak hours
- •Check bank holidays before planning your visit
- •Use online banking for routine transactions to save time
- •ATMs are available 24/7 for basic banking needs
Important Reminders
- •Banks are closed on public holidays throughout Japan
- •Some banks may have reduced hours during holiday seasons
- •Branch hours in rural areas may differ from urban centers
- •Always call ahead to confirm hours for your specific branch
2026 Banking Holidays in Japan
Complete list of bank holidays for Japan in 2026
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General Bank Working Hours
Standard banking hours across Japan
Japanese banks typically operate Monday through Friday from 9:00 AM to 3:00 PM for over-the-counter services. Some branches in major cities may extend hours slightly. Most banks are closed on weekends and national holidays. ATMs have varying hours, with convenience store ATMs often operating 24/7.
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We cover all banking hours, public holidays, and weekend schedules for Japan, giving you real-time status updates so you can plan your bank visits with confidence.
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Bank Opening Status in Japan — Today, Tomorrow & Holiday Schedule
Japan's banking system is highly developed and technologically advanced, supervised by the Financial Services Agency and the Bank of Japan. Japanese banks are known for their reliability and efficiency. Banking hours are standardized across the country, with most banks operating weekdays only. Japan has numerous national holidays, including unique celebrations like Golden Week, which can result in extended bank closures.
Everything You Need to Know About Banking in Japan
📅Are Banks Open on Saturday and Sunday in Japan?
All major bank branches in Japan are closed on both Saturday and Sunday, with no exceptions. This includes MUFG Bank (Mitsubishi UFJ Financial Group), Sumitomo Mitsui Banking Corporation (SMBC), Mizuho Bank, Japan Post Bank, and all regional banks. Japanese banks strictly operate Monday through Friday only, typically from 9:00 AM to 3:00 PM (the famous Japanese bank closing time of 3 PM). However, ATMs remain accessible on weekends, though with time-based fees. Japan Post Bank has an advantage here — Japan Post offices (yucho) are open on Saturdays (9:00 AM to 5:00 PM at most locations), and while full banking services are not available, basic services like deposits and withdrawals at the counter may be offered at select locations. For foreign currency exchange on weekends, currency exchange counters at major airports (Narita, Haneda, Kansai) and some tourist areas in Tokyo (Shinjuku, Shibuya, Asakusa) operate seven days a week. The lack of weekend banking in Japan is deeply rooted in banking culture and has been unchanged for decades.
🎉Bank Holidays in Japan — When Are Banks Closed?
Japan observes 16 national holidays per year when banks are closed: New Year's Day (January 1), Coming of Age Day (2nd Monday of January), National Foundation Day (February 11), Emperor's Birthday (February 23), Vernal Equinox Day (March 20 or 21), Showa Day (April 29), Constitution Day (May 3), Greenery Day (May 4), Children's Day (May 5), Marine Day (3rd Monday of July), Mountain Day (August 11), Respect for the Aged Day (3rd Monday of September), Autumnal Equinox Day (September 22 or 23), Sports Day (2nd Monday of October), Culture Day (November 3), and Labor Thanksgiving Day (November 23). The most significant banking impact comes from Golden Week (late April to early May) when May 3-5 are consecutive holidays, often extended by the weekend to create a full week of closures for many businesses. New Year (December 29 - January 3) is an extended closure period even though only January 1 is an official holiday — most banks close for the entire week. When a national holiday falls on a Sunday, the following Monday becomes a substitute holiday (furikae kyūjitsu), extending the closure. Plan cash and banking needs well in advance of Golden Week and New Year holidays.
💰When Will My Salary Be Paid on Japanese Holidays?
Japanese companies typically pay salaries on the 25th of the month (most common) or the last business day of the month. If payday falls on a holiday or weekend, payment is processed on the preceding business day. Japan's domestic payment system, Zengin System, processes interbank transfers on business days only, typically settling same-day if initiated before the cut-off time (around 3:00 PM). Salaries are deposited directly into bank accounts (typically at the employee's designated bank). Public sector employees and government workers follow strict payment schedules set by their ministries. During Golden Week and New Year holidays, salaries scheduled for those periods are paid early. Japanese companies are extremely punctual with salary payments — delays are rare. International transfers into Japan via SWIFT take 1-3 business days and may be delayed if holidays fall in either the sending or receiving country. Japan Post Bank accounts are widely used for salary deposits, especially for part-time and contract workers.
📱What Banking Works When Japanese Banks Are Closed?
Japanese banks offer internet banking and mobile apps that operate 24/7 for balance checks and transaction history, but transfers and payments often have restricted hours. Domestic transfers via online banking typically process only during banking hours (Monday-Friday, 9:00 AM to 3:00 PM) for same-day settlement, though some banks now support 24/7 transfers that settle on the next business day if initiated outside banking hours. ATMs are available 24/7 but charge time-based fees — withdrawals outside standard hours (evenings, weekends, holidays) incur fees of 110-220 yen even when using your own bank's ATM. Convenience store ATMs (Seven Bank at 7-Eleven, Lawson Bank, FamilyMart) operate 24/7 and accept cards from all major banks, but fees apply for cross-bank usage and outside-hours access. Contactless payments like Suica, Pasmo, and PayPay work 24/7 at millions of merchants. Cash is still heavily used in Japan, and many smaller shops, restaurants, and businesses remain cash-only. Services requiring a branch visit include: opening new accounts, international wire transfers (for many banks), some loan applications, and safe deposit box access.
🏧ATM Fees and Cash Availability in Japan
Japan's ATM system is extensive but comes with unique quirks. ATMs are available 24/7 at convenience stores (Seven Bank, Lawson Bank, FamilyMart) and operate limited hours at bank branches (typically 8:00 AM to 9:00 PM on weekdays, reduced weekend hours). Using your own bank's ATMs during standard hours (weekdays 8:45 AM to 6:00 PM) is free. Outside these hours, fees of 110-220 yen apply. Cross-bank ATM usage incurs fees of 110-220 yen depending on time and day. International cards face significant limitations in Japan — many Japanese bank ATMs do not accept foreign cards. Seven Bank ATMs (at 7-Eleven convenience stores) and Japan Post Bank ATMs reliably accept international Visa, Mastercard, and Plus/Cirrus cards. Withdrawal limits for international cards are typically 50,000-100,000 yen per transaction. Japan is still a heavily cash-based society despite being technologically advanced — many restaurants, small shops, temples, and local businesses only accept cash. Always carry cash, especially outside major cities. Tokyo, Osaka, and Kyoto have improved card acceptance in tourist areas, but cash is essential in rural areas and at traditional establishments.
🏦How to Open a Bank Account in Japan as a Foreigner
Opening a bank account in Japan as a foreigner requires a residence card (zairyū kādo), proof of address in Japan (residence certificate / juminhyō from your local ward office), your passport, personal seal (inkan or hanko — some banks now accept signature instead), and a Japanese phone number. Without a residence card, opening an account is nearly impossible at traditional banks. SMBC Prestia and Citibank Japan were previously more foreigner-friendly but Citibank exited the retail market in 2015, and SMBC Prestia has reduced services. Japan Post Bank (yucho) is generally the most accessible option for foreigners, with less strict requirements and English support at major branches. SMBC, MUFG, and Mizuho have English-speaking staff at major city centre branches but often require a longer-term visa (3-6 months validity remaining) and Japanese language ability varies. Many Japanese banks remain uncomfortable with non-Japanese customers due to language barriers and regulatory concerns. Bring a Japanese-speaking friend if possible. Bank branches operate Monday-Friday 9:00 AM to 3:00 PM (last entry often at 2:30 PM), so arrive early. Avoid the last few days of the month, Golden Week, and year-end periods when branches are extremely busy.
🗺️Do Banking Hours Differ Across Japan?
Banking hours are remarkably uniform across Japan — Monday to Friday, 9:00 AM to 3:00 PM — whether you are in Tokyo, Osaka, rural Hokkaido, or Okinawa. However, banking infrastructure density varies significantly. Tokyo has the highest concentration of bank branches, particularly in business districts like Marunouchi, Otemachi, Shinjuku, and Shibuya. Osaka, Nagoya, Kyoto, and Fukuoka have strong banking presence. In rural areas (inaka), branch availability decreases significantly — smaller towns may have only one or two banks and a handful of ATMs. Japan's depopulation of rural areas has led to widespread bank branch closures in the countryside, with some villages having no bank branch at all. Regional banks (chiho ginko) serve specific prefectures and may be the primary banking option in rural areas — examples include Bank of Yokohama, Chiba Bank, and Shizuoka Bank. In Hokkaido and Okinawa, regional banks like Hokkaido Bank and Bank of Okinawa are prominent. Japan Post Bank has the widest network, with post offices in nearly every town and village, making yucho accounts particularly useful for people living outside major cities.
🚨Lost Card or Banking Emergency in Japan
If your Japanese bank card is lost or stolen, call your bank's 24/7 emergency line immediately. MUFG: 0120-544-565, SMBC: 0120-56-3143, Mizuho: 0120-324-469 (these numbers work only within Japan; international numbers are available on bank websites). For international cards lost in Japan, contact your card issuer's global emergency line (Visa: +1 303 967 1096, Mastercard: +1 636 722 7111). Card replacement while in Japan as a tourist can be difficult and slow — it may take 1-2 weeks for a replacement to arrive from your home country. If you lose all payment methods, contact your embassy in Tokyo for emergency assistance. Japan has a very low crime rate, so lost items (including wallets) are often turned in to police kōban (police boxes), where you can file a lost item report. Cash is essential in Japan, so if you lose your card, exchange currency at airports or major hotels. For medical emergencies, dial 119 (ambulance). Tokyo's Metropolitan Police English Hotline is 03-3501-0110. Fraud on Japanese bank accounts is relatively rare due to Japan's low crime rate, but report any suspicious activity to your bank immediately.
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⚠️Disclaimer: Bank hours may vary based on region and branch. Please contact your local branch for exact timings.
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