Kobe

1. Overview of Banking and ATMs in Kobe

Kobe, as a major city in Japan, has a well-developed banking and ATM network. However, Japan is still a predominantly cash-based society, so it’s important to familiarize yourself with how to access cash and banking services. While many ATMs and banks cater to locals, there are also foreigner-friendly options available.

---

2. Withdrawing Money from ATMs in Kobe

ATMs are widely available in Kobe, but not all of them accept foreign-issued cards. Here’s what you need to know:

Foreign-Friendly ATMs

• Japan Post Bank ATMs: Found in post offices across Kobe, these ATMs accept most international cards, including Visa, Mastercard, American Express, Maestro, Cirrus, and UnionPay. They also have an English-language interface.
• Seven Bank ATMs: Located in 7-Eleven convenience stores, these ATMs are highly recommended for foreigners. They accept a wide range of international cards and are available 24/7.
• Lawson Bank ATMs: Found in Lawson convenience stores, these ATMs also support foreign cards and offer English instructions.
• Prestia SMBC Trust Bank ATMs: This bank specializes in services for foreigners and has ATMs that accept international cards.

Steps to Withdraw Money

1. Insert your card into the ATM.
2. Select your preferred language (English is available on foreign-friendly ATMs).
3. Choose the type of transaction (e.g., withdrawal).
4. Enter the amount you wish to withdraw.
5. Confirm the transaction and collect your cash and receipt.

Fees and Costs

• ATM Fees: Fees vary depending on the ATM and your card issuer. Typically, there’s a small fee for using foreign cards (¥100–¥300 per transaction).
• Currency Conversion Fees: Your home bank may charge a foreign transaction fee (usually 1–3% of the amount withdrawn).
• Daily Withdrawal Limits: Check with your bank for daily limits on international withdrawals.

Tips

• Use ATMs at convenience stores or post offices for reliability and 24/7 access.
• Avoid withdrawing small amounts frequently to minimize fees.
• Notify your home bank of your travel plans to avoid your card being blocked for suspicious activity.

---

3. Banking Hours in Kobe

Banks in Kobe generally operate during the following hours:

• Weekdays: 9:00 AM to 3:00 PM
• Weekends and Public Holidays: Closed

ATMs, however, are often available outside of these hours, especially in convenience stores and train stations.

---

4. Currency Exchange in Kobe

If you need to exchange foreign currency into Japanese yen, here are your options:

Banks

• Major banks like Mitsubishi UFJ Bank, Sumitomo Mitsui Banking Corporation (SMBC), and Mizuho Bank offer currency exchange services. You’ll need your passport for identification.
• Visit during banking hours (9:00 AM to 3:00 PM).

Currency Exchange Counters

• Travelex: Located in major areas like Sannomiya and Kobe Airport, Travelex offers competitive rates and is foreigner-friendly.
• Kobe Airport Currency Exchange: Convenient for travelers arriving in Kobe.

ATMs with Currency Exchange

Some ATMs, such as those at 7-Eleven, allow you to withdraw yen directly from your foreign account, effectively acting as a currency exchange.

Tips

• Compare rates between banks and exchange counters to get the best deal.
• Avoid exchanging money at hotels or airports unless necessary, as rates are often less favorable.

---

5. Opening a Bank Account in Kobe

If you’re planning to stay in Kobe long-term, you may need to open a Japanese bank account. Here’s how:

Eligibility

• You must have a Residence Card (Zairyu Card) and a registered address in Japan.
• Some banks may require a Japanese phone number.

Steps to Open an Account

1. Visit a bank branch (e.g., Mitsubishi UFJ, SMBC, or Japan Post Bank).
2. Bring the following documents:
   • Residence Card
   • Passport
   • Proof of address (if not listed on your Residence Card)
   • Personal seal (hanko) – though some banks now accept signatures.
3. Fill out the application form (some banks offer English forms).
4. Wait for your account to be approved. You’ll receive a cash card (ATM card) by mail within a week or two.

Foreigner-Friendly Banks

• Prestia SMBC Trust Bank: Specializes in services for foreigners and offers English-speaking staff.
• Shinsei Bank: Known for its foreigner-friendly policies and online banking in English.

Tips

• Choose a bank with English support if you’re not fluent in Japanese.
• Be prepared for a lengthy process, as opening an account can take time.

---

6. Cultural Considerations for Banking in Kobe

• Politeness: Japanese banking staff are extremely polite and expect the same in return. Use formal language and bow when appropriate.
• Queueing: Always queue in an orderly manner when waiting for ATMs or bank services.
• Cash Usage: Japan is still a cash-heavy society, so it’s common to carry larger amounts of cash than in many other countries.
• Hanko (Personal Seal): While signatures are becoming more accepted, many banks still require a hanko for official documents. You can have one made at a hanko shop in Kobe.

---

7. Specific ATM and Bank Locations in Kobe

Here are some convenient locations for foreigners:

ATMs

• 7-Eleven (Sannomiya Station): Near the main train station, open 24/7.
• Japan Post Bank (Kobe Central Post Office): Located near Sannomiya, with English-friendly ATMs.
• Lawson (Motomachi Area): Accessible and foreign card-friendly.

Banks

• Prestia SMBC Trust Bank (Kobe Branch): Located in Sannomiya, with English-speaking staff.
• Shinsei Bank (Kobe Branch): Offers English support and online banking.

---

8. Final Tips for Banking in Kobe

• Carry Cash: Always have some cash on hand, as smaller shops and restaurants may not accept cards.
• Check Card Compatibility: Before traveling, confirm that your card is compatible with Japanese ATMs.
• Emergency Assistance: If your card is lost or stolen, contact your home bank immediately. Most ATMs display a helpline number for assistance.

By following this guide, you’ll be well-prepared to handle all your banking needs in Kobe, whether you’re visiting for a short time or planning to stay long-term.