Bank accounts
Japan Post Bank (ゆうちょ銀行) for foreigners: opening, limits, ATM and transfers
Japan Post Bank for foreigners: what to bring, the 3-month residence-card rule, ATM fees, the ¥500,000 daily limit and sending money abroad (October 2026).
Carrying over ¥1,000,000 in cash, checks or securities into or out of Japan must be declared to customs. What counts, which form, and safer ways to move money.
As of November 2026, you must declare to Japan Customs any cash, checks, traveler's checks, promissory notes or securities worth more than ¥1,000,000 in total when you carry them into or out of Japan. Foreign currency counts at its yen value. There is no cap on how much you can carry, only a duty to declare, and customs says false or missing declarations can be punished. Moving large savings by bank transfer avoids the paperwork.
You must declare to Japan Customs any cash and similar items worth more than ¥1,000,000 in total when you carry them into or out of Japan. As of November 2026 there is no cap on the amount, only a duty to declare it. The rule applies to residents leaving with savings as much as to new arrivals.
Customs adds up these items, and applies the yen equivalent for foreign currency:
If the total is over ¥1,000,000, declare all of it, not just the part above the line. Customs sets a lower threshold of ¥100,000 for exports with North Korea as the destination.
Customs says to submit its payment instruments form (支払手段の携帯輸出・輸入届出書, with an English version) at the customs counter at the airport or port. On departure, submit it before passport control, and before you check your baggage. For unaccompanied baggage, submit it at a customs office. Customs also accepts filing online through its NACCS system, which requires user registration.
Customs warns that false or missing declarations can be punished, citing the Customs Act and the Foreign Exchange and Foreign Trade Act. The pages do not list penalty amounts.
A bank transfer or licensed remittance service leaves a paper trail and needs no customs form. For amounts that large, ask your bank or provider about its limits and what documents it needs before you travel or transfer.
Up to ¥1,000,000 or its equivalent in total. Above that, you must declare the full amount to customs. There is no maximum, only the duty to declare.
Yes. Customs adds up Japanese and foreign currency, checks, traveler's checks, promissory notes and securities such as stocks and bonds, and applies the yen equivalent.
Yes, the same ¥1,000,000 rule applies on departure. Customs says to submit the form at the customs counter at the airport or port before passport control, and before you hand over checked baggage.
Customs sets a lower ¥100,000 threshold for exports with North Korea as the destination. For other destinations the threshold is ¥1,000,000.
A bank transfer or a licensed remittance service, which leaves a record and needs no customs form. See our guides on sending money from Japan and on opening a bank account.
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