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Topic

Banks that can be used after returning to Japan

Daily life
#1
  • Hideo117
  • mail
  • 2023/11/10 01:22

I am looking for a bank that I can use online even after I return to Japan.
・ You can Wire Transfer to Japan online.
・ You can register your Japanese mobile number as the mobile number to receive a code for identity verification by text message. You can also choose to have the code sent to your email address.

For now, these two things are OK, but the latter is not OK for my Bank of America, and the former is not OK for Capital One.
If you know of any bank that can do these two things, I would appreciate it if you could let me know. Best regards.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#16
  • Hideo117
  • 2023/11/12 (Sun) 17:08
  • Report

They can instantly find out to which carrier a US phone number is assigned. And BOA says
Supported Carriers include: Alltel, AT&T, Cellular One, T-Mobile, Virgin Mobile, U.S. Cellular ® , Verizon Wireless. so they are saying that Nextpulus is no good. By the way, google fi as I mentioned earlier is an MVNO of T-Mobile, so it is OK.
I used to have a Citi account, but when I stopped using it for some reason, I was told to close it sooner than expected (about 2 years ？ ） "If you don't use it, I will close your account", and I made the mistake of leaving it alone at that time because it was too much trouble.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#17

I opened a multi-currency account with Wise, connected to Chase and other accounts, and withdraw via ACH （ $ with a 50K/24h limit ）. I think it would be better to compare the two accounts, depending on the amount, wire may have lower fees, but wire also has fees on the US account side, so I think it would be a good idea to include that in the comparison. Identity verification can be done with a photo ID （ my number card, Japanese driver's license, passport, etc. ） at the time of opening an account, and can be done with the application. You can convert to yen at the real rate in real time, and you can keep up to 1,000,000 yen in USD or JPY in your Wise Account and use your debit card to make payments or ATM withdrawals, and you can keep your balance of over 1,000,000 yen for 30 days. > Wise is easy to use for me personally because I can transfer up to 1,000,000 yen at a time ） with no limit on the number of times I can transfer.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#18

If you want to wire directly from your US account to your Japanese account, why don't you inquire at USBank if it is possible to do so under your desired conditions? I still have an account with Union Bank → USBank, but I use wise as well as ↑ because of the complicated procedure for money transfer.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#19
  • BOA
  • 2023/11/13 (Mon) 14:22
  • Report

#14 ＞ BOA refused to change to an overseas address.

My friend is using BOA's account with a Japanese address. I wonder how it is in the U.S., because different people in charge say different things ？.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#20
  • Hideo117
  • 2023/11/14 (Tue) 16:40
  • Report

Thanks for all the information, Wise, I will look into USBank, and I will ask BOA again.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

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