If you'd actually quite like a credit card, thank you very much, click here for our extensive guide.
Otherwise, when opening a Japanese bank account, there are a few free optional services:
This is offered by most banks and allows use of your cash card like a regular debit card. You must request this, as you are not enrolled automatically. You can find the list of participating banks here.
|Stores that accept J-Debit cards have this mark|
The second disadvantage is that J-Debit is not a 24 hour service. The times which J-Debit is available can vary depending on your financial institution but can end as early as 9:00 PM on weekdays and 7:00 PM on weekends. Like ATMS, the service goes offline during the New Years holiday period.
In short, Pay Easy is a consortium of banks and companies that have teamed up to allow you to settle your accounts/pay bills using an ATM or online banking. Several big companies such as NTT DoCoMo, Amazon Japan, and various municipalities participate in this system as a means collecting payment and/or taxes. Just look for the mark below to see if a company is part of the Pay Easy network.
|Pay Easy mark found on ATMs, bills, and banking portals|
That about does it for banking extras. Keep your eyes on AJ for our next feature on using Japanese ATMs.
Other Posts in This Series
# 1 The Basics
# 2 Opening an Account
# 3 Savings and Fixed Deposits
# 4 Internet Banking and Net Banks
# 5 J-Debit and Pay Easy
# 6 ATMs
# 7 Domestic Money Transfers
# 8 International Money Transfers