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Money & Cards

Money & Cards

Banking, payments, and financial services to help you manage your money in Japan.

42 published guidesLatest first
EssentialsHousing & Daily LifeMoney & CardsWork & Study

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Choose a credit cardCompare money transferOpen a bank accountStart using PayPayPrepare side-income tax filing

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Tax Return in Japan 2026: File for ¥0 with Best 3 Accounting Software (English Hack Guide)
January 31, 2026

Tax Return in Japan 2026: File for ¥0 with Best 3 Accounting Software (English Hack Guide)

Money & Cards

Struggling with Japanese 'Kakutei Shinkoku'? We compare the top 3 accounting software (Yayoi, freee, Money Forward) for foreigners. Learn how to file taxes for free using our DeepL translation hacks. Updated for 2026 tax season.

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Best Credit Card in Japan for Foreigners (2026): Rakuten vs EPOS vs Nexus
January 27, 2026

Best Credit Card in Japan for Foreigners (2026): Rakuten vs EPOS vs Nexus

Money & Cards

The best credit card in Japan for foreigners, compared: Rakuten, EPOS, and Nexus. We explain the input-error traps that get foreigners rejected and how to build credit even with a short stay or limited Japanese.

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Cashless Japan 2026: PayPay vs. Rakuten Pay - Which App Should You Download?
January 24, 2026

Cashless Japan 2026: PayPay vs. Rakuten Pay - Which App Should You Download?

Money & Cards

There are dozens of payment apps in Japan, but you only need two: PayPay and Rakuten Pay. We explain why these two are essential, the 'Foreign Credit Card Trap,' and how to maximize your points to save money on daily life.

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Can foreigners open a Rakuten Securities NISA in Japan?
January 18, 2026

Can foreigners open a Rakuten Securities NISA in Japan?

Money & Cards

Foreign residents with a residence card and Japan address can often apply for Rakuten Securities NISA — approval is decided by the broker, not this guide. We cover English UI limits, name matching, student cases, and what changes if you leave Japan.

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【2026】Costco Japan Rejects Visa! The Mastercard Trap & Solutions for Foreigners
January 17, 2026

【2026】Costco Japan Rejects Visa! The Mastercard Trap & Solutions for Foreigners

Money & Cards

Costco Japan does not accept Visa or Amex! We explain the strict 'Mastercard Only' rule, the 'Name Mismatch' trap that causes foreigners to fail credit checks, and delivery hacks (OniGO) for a car-free life in 2026. The free Rakuten Card is your best solution.

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【Ends Mar 2026】Not Earning d POINTS on Amazon? The "¥5,000 Wall" Strategy & 10th Anniversary Roulette Guide
January 15, 2026

【Ends Mar 2026】Not Earning d POINTS on Amazon? The "¥5,000 Wall" Strategy & 10th Anniversary Roulette Guide

Money & Cards
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[2026 Edition] Ultimate PayPay Guide: Registration & eKYC Hacks for Foreigners + 30% Cashback Campaign
January 11, 2026

[2026 Edition] Ultimate PayPay Guide: Registration & eKYC Hacks for Foreigners + 30% Cashback Campaign

Money & Cards

Updated for 2026! A complete guide to PayPay's max 30% cashback campaign and eKYC registration hacks for foreigners. We cover app-free Alipay+ usage for travelers, plus middle name solutions and SMS-capable SIM selection (Rakuten Mobile/Mobal) for residents.

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Nenmatsu Chosei vs. Kakutei Shinkoku: The Complete Tax Guide for Foreigners in Japan
December 8, 2025

Nenmatsu Chosei vs. Kakutei Shinkoku: The Complete Tax Guide for Foreigners in Japan

Money & Cards

Nenmatsu Chosei vs. Kakutei Shinkoku: Which one do you need? A complete guide for foreign employees on forms, deadlines, and how to get your tax refund (often ¥100,000+).

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【2026】Furusato Nozei Guide for Foreigners: Lower Residence Tax & Get Rakuten Points
December 8, 2025

【2026】Furusato Nozei Guide for Foreigners: Lower Residence Tax & Get Rakuten Points

Money & Cards

A complete guide on how foreigners can do 'Furusato Nozei'. Use Rakuten to effectively pay just ¥2,000 to lower your Residence Tax and get rice or meat. Covers visa impact and the Dec 31st deadline.

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How to Get Your Full Japanese Pension Refund When Leaving (¥300,000-500,000 Average)
December 7, 2025

How to Get Your Full Japanese Pension Refund When Leaving (¥300,000-500,000 Average)

Money & Cards

Complete guide for foreigners leaving Japan to claim their full pension refund. Learn how to recover the "missing 20%" that most people abandon—including tax refund procedures and appointing a tax representative.

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Residence Tax in Japan: Why Your Paycheck Shrinks in Year 2 & The "Leaving Japan" Trap
December 6, 2025

Residence Tax in Japan: Why Your Paycheck Shrinks in Year 2 & The "Leaving Japan" Trap

Money & Cards

Residence Tax in Japan is paid in "arrears." Why does your take-home pay decrease from June of your second year? What is the "January 1st Rule" that can cost you hundreds of thousands of yen when leaving? Understand the system to avoid unpaid taxes and visa trouble. We also explain the "Furusato Nozei" trick to get gifts for effectively 2,000 yen.

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Cost of Living in Tokyo 2026: Monthly Breakdown & Money-Saving Hacks
December 5, 2025

Cost of Living in Tokyo 2026: Monthly Breakdown & Money-Saving Hacks

Money & Cards

The estimated cost of living for a single person in Tokyo in 2025 ranges from ¥140,000 to ¥250,000 per month. This guide breaks down rent averages, winter utility spikes, and food inflation, while exposing the "Year 2 Residence Tax" trap and high initial move-in costs. Learn how to lower your fixed costs and save money.

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Choose a credit cardCompare money transferOpen a bank accountStart using PayPayPrepare side-income tax filing

Wise: Money for Everyone

The cheap, fast way to send money abroad and hold 40+ currencies.

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Financial Super App

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Rakuten Card

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GTN EPOS Card

Specialized for foreigners! High approval rate and full support

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