Your Free Guide to Moving to Japan: What to Know

Understanding Japan's Visa Options for Long-Term Residence

If you're thinking about moving to Japan, one of the first things you need to understand is the visa system. Japan offers different types of visas depending on your situation, and picking the right one matters a lot. Unlike some countries with straightforward permanent residency paths, Japan has specific visa categories designed for different purposes.

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The most common visa for people moving to Japan is the work visa, officially called the "Intra-company Transferee" or "Skilled Worker" visa. If your employer is transferring you to a Japanese office or you're being hired by a Japanese company, this is typically your path. Another option is the "High-Level Professional" visa, created in 2019, which allows skilled workers in certain fields to move more easily. Japan also offers visas for people starting businesses, students, researchers, and people with Japanese spouses or family.

Each visa type comes with specific requirements. For a work visa, your employer must sponsor you and prove that no Japanese citizens could fill the position. The visa usually lasts one to three years and can be renewed as long as you maintain your employment. Student visas require acceptance to a Japanese school or university. If you're married to a Japanese citizen or permanent resident, you can get a spouse visa, which eventually leads to permanent residency after living in Japan for several years.

One important detail: tourist visas (usually 90 days for most nationalities) cannot be converted to work visas while you're in Japan. You must return to your home country and apply through a Japanese embassy or consulate. This is a critical rule that catches many people off guard.

The visa situation changes occasionally, so checking the official website of the Japanese Embassy or Immigration Services Agency (ISA) in your country gives you the most current information about requirements and processing times, which typically range from two to four weeks.

Practical Takeaway: Determine which visa category matches your situation (work, student, family, business, etc.) and start gathering required documents through your employer, school, or family member well before your planned move date.

Finding Housing in Japan's Competitive Rental Market

Housing in Japan works differently than in many Western countries. The rental system includes deposits, key money, and realtor fees that can surprise newcomers. Understanding these upfront costs helps you budget properly before arriving.

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In major cities like Tokyo, Osaka, and Kyoto, the average monthly rent for a one-bedroom apartment in a central neighborhood ranges from ¥80,000 to ¥150,000 (roughly $550 to $1,000 USD). Outside city centers, you'll find cheaper options, sometimes half that price. However, you won't just pay rent. You'll typically pay a deposit (usually one to two months' rent), key money called "reikin" (one to two months' rent that doesn't get returned), and realtor fees (typically one month's rent). This means moving into an apartment might cost you four to six months' rent upfront.

Finding a place requires a valid address and often a guarantor. Many foreign workers use their company as a guarantor, or they use guarantor companies that charge a fee (typically 30% to 50% of monthly rent annually). Real estate agents in Japan cater specifically to foreigners and can explain the system in English. Websites like Suumo, Homes.co.jp, and GaijinPot Apartments list properties with English descriptions.

Japan's housing market strongly favors those who are in-country and can view apartments in person. Some landlords won't rent to foreigners at all, though this is becoming less common in major cities. Having your visa and residence status confirmed before house hunting gives you significant advantage. The lease process typically takes one to two weeks once you've found a place and signed the contract.

Another housing option is temporary accommodation. Many people rent apartments or houses short-term through Airbnb or Japanese-specific sites for their first month while they apartment hunt in person. This costs more daily but removes the pressure of making a major housing decision from abroad.

Practical Takeaway: Budget four to six months of rent as upfront housing costs, plan to stay in temporary housing your first month, and connect with bilingual real estate agents in your target city before arriving.

Managing Your Finances and Opening a Bank Account

Opening a bank account in Japan as a foreigner is straightforward, but you need to do it after you arrive and obtain your residence card. You cannot open a regular bank account remotely or before moving, though some international banks offer pre-arrival accounts with limited features.

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Japan's major banks include Mitsubishi UFJ (MUFG), Sumitomo Mitsui Banking Corporation (SMBC), and Mizuho. These are all extremely safe and stable. You'll need your passport, residence card (or a certificate of residence), and proof of your address in Japan. Most banks have English-speaking staff in major cities, though this becomes less common outside Tokyo and Osaka. The process takes about 30 minutes to an hour.

Opening a bank account is one of your first priorities because it's required for many other tasks. Your employer will need your bank details to deposit your salary. You'll need an account to pay utilities, rent, insurance, and phone bills. Japan is surprisingly cash-based compared to other developed nations, but having a bank account and debit card (called a "cash card") is essential.

You should also know that many banks charge monthly account fees if you don't maintain a minimum balance (often around ¥10,000 or $70). However, if your employer deposits your salary, most banks waive these fees. Some banks also charge for international transfers, though the fees are reasonable (typically ¥1,000 to ¥3,000 per transfer, or $7 to $20).

For currency exchange, you'll get better rates converting money in Japan than before you leave. ATMs at convenience stores like 7-Eleven, Lawson, and FamilyMart accept most foreign debit cards and often offer better exchange rates than banks. However, they may charge small fees ($2 to $3 per withdrawal).

Credit card usage is less common in Japan than in Western countries, though this is slowly changing. Many establishments, especially smaller shops and restaurants, only accept cash. If you already have a credit card from your home country, bring it, but don't rely on it as your primary payment method.

Practical Takeaway: Plan to open a bank account within your first week in Japan, bring your passport and housing documents, and expect to use cash for most small purchases even though you have a bank account.

Understanding Japan's Healthcare and Insurance System

Japan has one of the world's best healthcare systems. Once you have your residence card, you're required to enroll in the national health insurance system. This is important: being uninsured is illegal for residents, and the system is actually affordable compared to many countries.

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There are two main insurance paths. If your employer has 500+ employees, you'll likely join the company's health insurance (Shakaihoken), where you and your employer each pay roughly 50% of premiums. If your employer is smaller or you're self-employed, you'll join the national health insurance (Kokumin Kenko Hoken). Monthly premiums for national health insurance typically range from ¥3,000 to ¥8,000 ($20 to $55) depending on your income and location.

With Japanese health insurance, you typically pay 30% of medical costs at the point of care, while insurance covers 70%. This is much cheaper than most Western countries. A doctor's visit costs around ¥3,000 to ¥5,000 with insurance (roughly $20 to $35). Hospital stays and major procedures are also heavily subsidized. Japan has an out-of-pocket maximum, called "Kouhi," that protects you from extremely high bills—typically ¥80,000 to ¥170,000 per month ($550 to $1,150) depending on your income.

Healthcare quality is excellent. Many doctors in urban areas speak English, though this varies. If you're in a rural area or seeing a specialist, you might want to bring a translator. Pharmacies are separate from clinics and doctors, and prescriptions are inexpensive. Many common medications cost just a few dollars.

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