Best Debit & Prepaid Cards in Japan for Foreigners (No Credit Check)
Money & Cards
How this guide is checked
Updated against official, partner, and reviewed site evidence where available.
Last updated: July 27, 2026
Official or partner facts are separated from practical notes.
Prices, screening, documents, and rules can change.
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- •Can't get a credit card in Japan yet? Debit and prepaid cards need no credit check. Revolut, Kyash and Sony Bank WALLET compared — fees, FX, and which to pick.
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Quick answer (30 seconds): New in Japan and can't get a credit card because you have no credit history? Debit and prepaid cards need no credit check — you can start spending right away. The standouts for foreigners: Revolut (app-based, multi-currency, great for travel and overseas spend), Kyash (a Japan-focused prepaid card for everyday online shopping), and Sony Bank WALLET (a multi-currency debit card tied to a Sony Bank account). One heads-up: the Wise card is no longer available to Japan residents (Wise is still useful for transfers, just not as a spending card here).
ℹ️ Card fees, FX rules, and monthly limits change, and products come and go — confirm the current terms on each provider's own page before you rely on them.
Why debit/prepaid (not credit) when you're new
A Japanese credit card usually needs a credit history you don't have yet in your first months. Debit (charges your linked bank account instantly) and prepaid (you load money first) cards skip the credit check entirely, so they're the fastest way to:
- pay online and in stores immediately,
- avoid carrying cash everywhere,
- and start building toward a credit card later (see the credit-card guide).
The main options
| Card | Type | Best for | Notes |
|---|---|---|---|
| Revolut | Prepaid / multi-currency (app) | Travel, multi-currency, overseas spend | Fast app sign-up with your Japanese address; strong FX; tiered plans |
| Kyash | Prepaid (app) | Everyday domestic online shopping | Japan-focused, simple app-based card |
| Sony Bank WALLET | Debit (multi-currency) | Holding/ spending several currencies | Tied to a Sony Bank account |
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