Furikomi - A Step by Step Guide To Bank Transfers in Japan - GaijinPot

10/23/21, 8:46 AM Furikomi – A Step by Step Guide to Bank Transfers in Japan - GaijinPot
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Furikomi – A Step by Step Guide to

Bank Transfers in Japan
Transfer money between Japan and your home country like a pro.
By Abigail Navarra Oct 9, 2020 5 min read 1
Living in Japan will require dealing with finances, which also means learning
how to do banking through an ATM. While Japanese ATMs these days
have an English menu, they are limited to basic essential functions such as
deposits and withdrawals. For example, Japan Post Bank has a remittance
option in the English menu but is limited to transfers to other accounts
using Japan Post Bank.
Although bank transfers can be made through a bank teller, most banks
close around 5 p.m. Most of us are, unfortunately, still at work. Rent and
utilities are also commonly paid through automatic bank transfers. But
https://blog.gaijinpot.com/furikomi-a-step-by-step-guide-to-bank-transfers-in-japan/ 1/12
when you forget to deposit on the withdrawal date or have overlooked your
bill, you will have to transfer manually.
If you need to make a furikomi (bank transfer), you will have to venture into
the Japanese menu (studying our Japanese ATM Bank kanji cheat
sheet could make your experience a lot easier).
Here’s everything you need to know about making bank transfers via ATM
in Japan.
Step 1: Making a money transfer
Photo: Abigail Navarra
Your typical welcome screen.
You’ll need your bank book or cash card. Cash is acceptable in some
ATMs, but you’ll need a payment slip for banks such as Japan Post Bank
to pay with cash. To make a bank transfer, on the welcome screen on your
ATM, look for お振り込み or ご送金.
On pressing this, you will see a fee table or a fraud warning.
Step 2: Funding the transfer

For Japan Post Bank, this is your second screen.
The next screen will vary by bank. It might ask you whether you would like
to fund the transfer from your account or deposit the cash directly. Other
ATMs will let you transfer with money, but this will limit your transaction to
¥100,000 (10万円).
When using your account for the transfer, insert your cash card or bank
book, and enter your pin number.
The screen to enter your pin number.
You might also have to choose how you would like to enter your recipient’s
details. You have the option to use a payment slip, enter the recipient
details manually, or use a transfer/furikomi card. It can either be a plastic
card or a laminated cardboard card with a magnetic strip with all the
recipient’s information.
Step 3: Searching for the right bank and

branch
三井住友銀行
MitsuiSumitomo
bank
Some banks will have a list of their partner banks and major banks for easy access.
On this step, you will need to search for the right bank and branch for the
transfer. Some ATMs will have the names of major banks in
Japan immediately listed on the bank selection screen. For other banks,
you would need to search by pressing the [その他] button.
Major Japanese Banks
Mitsubishi UFJ 三菱UFJ銀行 mitsubishi UFJ ginkou
Sumitomo Mitsui (SMBC) 三井住友銀行 mitsui sumitomo ginkou
Mizuho Bank みずほ銀行 mizuho ginkou
Resona Bank りそな銀行 risona ginkou
Once you have the right bank, you also need to specify the branch name.
For most banks, this is the location of the branch. You might need to
search in katakana, so it’s best to write down the katakana reading of the
branch name and the kanji. The [英字] button changes it to the alphabet.
すずらん支店 Suzuran Branch

スズラン Photo: Abigail Navarra
Sample katakana keyboard for reference.
If you’re transferring to a Japan Post Bank account, they have a different

naming branch system. They provide an online resource you can use to
convert the account number into the format most banks use. It will also
give you the branch name and bank codes.
Japan Post Bank account number converter
Step 4: Entering recipient details
普通（口座種別）Ordinary account
Make sure you know your recipient’s account type.
At this point, you would need to enter recipient-specific details. It will ask
you for the recipient account type. Most Japanese banks offer two types of
accounts: futsuu (普通) and touza (当座), or regular account and
current/checking account.
196750 Yen
It will ask for the account number [口座番号], the amount to be transferred
[金額], and your phone number [電話番号]. If using Japan Post Bank, all
these screens will give you a number pad, so check the kanji on the upper
left-hand corner to know which is which.
You might also have an option to edit the sender name [ご依頼人名].
Sometimes billers will require a reference number to be added either before
or after your name.
Account number：1141011
Account Name：東武トップツアーズ（株）官公庁事業部
Tobu Top Tours Co.,Ltd. Public Service Division
----->196750 Yen
edit
RAMA OKTA WIYAGI
MEXT ID 203729
Sometimes, you will need to add a reference number here.
There are times when the ATM will show you a confirmation screen after
every entry. In case you made a mistake or typed something wrong, look
for the [戻り] button to go back. If everything is good to go, press the [確
認] button. The red button [取消] will take you back to the first screen, so
only press this if you want to restart.
Step 5: Finalizing the transfer

After entering all the information, you will get a summary screen. The list of
information to check might include the following:
English Japanese Romaji
Financial institution name 金融機関名 kinyuukkan-mei
Branch name 支店名 shiten mei
Account type 口座科目 kouza kamoku
Recipient name お受取人名 uketori jinmei
Amount to be transferred 送金金額 soukin kingaku
Transfer fee 料金 ryoukin
Sender information ご依頼人名 go irai jinmei

Sender phone number 電話番号 denwa bangou
Date of transfer 送金予定日 soukin yotei bi
Make sure all the information is correct and press the final button [確認].
You will have up to this point to cancel the transfer. After pressing the
button to confirm, the transfer will be finalized and processed.
After the transfer is finalized, you might see an option asking if you want to
print a furikomi card for future use. You can opt to have this done when you
make payments to a bank account regularly. All the information you entered
will be saved on it, and it will take half the time to make a remittance. The
machine will then print your receipt (and the furikomi card if you got one)
and return your card or bank book.
New skill unlocked! Navigating through a whole lot of kanji, and probably
some concerned looks from people queued up behind you, is a definite
achievement.
For more help with banking in Japan, check our Japan 101 section.
【Transfer account】
Name of Bank：三井住友銀行 MitsuiSumitomo bank
Branch：すずらん支店 Suzuran Branch
Account Type：普通（口座種別）Ordinary account
Account number：1141011
Account Name：東武トップツアーズ（株）官公庁事業部
Tobu Top Tours Co.,Ltd. Public Service Division
-------> 196750 Yen
Studying in Japan made easy

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Topics: Banking / Living in Japan
Japan101: Banking and Finance
Abigail Navarra
English teacher with the personality of a cat.
More Articles By Abigail Navarra
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1 Comment Sort by Oldest
Add a comment...
Hannahtoyin Lasisi
Thanks, your article is really helpful! I have been so confused on
how to make payments while waiting for a credit card with several
payment deadlines breathing down my neck.
Like · Reply · 9w
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10/23/21, 8:46 AM Furikomi – A Step by Step Guide to Bank Transfers in Japan - GaijinPot

Furikomi – A Step by Step Guide to

Step 1: Making a money transfer

Photo: Abigail Navarra

Your typical welcome screen.

On pressing this, you will see a fee table or a fraud warning.

Step 2: Funding the transfer

Photo: Abigail Navarra

For Japan Post Bank, this is your second screen.

Photo: Abigail Navarra

The screen to enter your pin number.

Step 3: Searching for the right bank and

Photo: Abigail Navarra

Major Japanese Banks

Mitsubishi UFJ 三菱UFJ銀行 mitsubishi UFJ ginkou

Sumitomo Mitsui (SMBC) 三井住友銀行 mitsui sumitomo ginkou

Mizuho Bank みずほ銀行 mizuho ginkou

Resona Bank りそな銀行 risona ginkou

すずらん支店 Suzuran Branch

Sample katakana keyboard for reference.

If you’re transferring to a Japan Post Bank account, they have a different

Japan Post Bank account number converter

Step 4: Entering recipient details

Photo: Abigail Navarra

Make sure you know your recipient’s account type.

Sometimes, you will need to add a reference number here.

Step 5: Finalizing the transfer

English Japanese Romaji

Financial institution name 金融機関名 kinyuukkan-mei

Branch name 支店名 shiten mei

Account type 口座科目 kouza kamoku

Recipient name お受取人名 uketori jinmei

Amount to be transferred 送金金額 soukin kingaku

Transfer fee 料金 ryoukin

Sender information ご依頼人名 go irai jinmei

Sender phone number 電話番号 denwa bangou

Date of transfer 送金予定日 soukin yotei bi

Studying in Japan made easy

Topics: Banking / Living in Japan

Japan101: Banking and Finance

More Articles By Abigail Navarra

TOKYO COOL JAPAN

1 Comment Sort by Oldest

Facebook Comments Plugin

Experience Releasing Baby Sea Turtles in Shizuoka

5 Easy Japanese Karaoke Songs

Tweet of the Week #154: Do Not Eat, Drink or Break up

© 2021 GPlusMedia Inc.

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