Money
   
かね
 
 

Anybody who lives in Japan is eligible to open a monetary account,whether it be with a bank,the post office,a labor union bank,or a trust bank.Bank accounts are very useful and almost all bills you receive such as monthly utility bills can be paid automatically through your account as well.

(1) Opening a Bank Account
Go to a financial institution that is close and covenient for you,and fill out an application for a new bank account.Fill out all the necessary sections and hand it back to the teller.You will most likely need to turn over your personal seal and your alien registration card with your application.At a bank it is possible to open an account without depositing any money,but at a post office you will need to deposit some money.It is also possible to open an account without your personal seal by just signing,but for withdrawing and depositing,there are some restrictions on what you can sign for.It is recommended to open your account with your personal seal.When you apply for your account,it is also convenient to have a cash card made.You can withdraw and deposit at many nearby Cash Machines (CD) or Automated Teller Machines (ATM) and,although banks are usually only open from 9am to 3pm,cash machines are open from 8:45am to 7pm.However,after 6pm there is usually a fee for using CDs or ATMs.Business hours vary for financial insitutions,so it is recommended that you ask a clerk at the counter for your institution's hours.

(2) Types of Accounts
Types of accounts include ordinary accounts,term deposits and integrated accounts.
a.Ordinally Accounts (Futsu Koza)
Generally,the interest rate is very low in these accounts,but the transactions are free.Public utility bills may be paid from this account as well.Your bank book and personal seal should be kept in a safe place .If you have a cash card made you can use CDs and ATMs without your bank book or personal seal.When you go to pay a bill at the counter,complete the payment form with your name,seal,amount of money,and bank account number and hand it to the teller.The forms vary according to financial institution,so be sure to ask at the counter if you have any questions.
b.Term Deposits (Teki Yokin)
The interest rate for a term deposit is higher than an ordinary account,but during the fixed countract period you can not withdraw any money.The interest you receive depends on how much money you deposit and how long you agree not to withdraw any money from the account (your contract period).To open this type of account you will need to fill out the application with your name and seal.Whether or not you can deposit money at an ATM with this type of account depends on the financial institution.

(3) Post Office Accounts (Yubinkyoku Koza)
To open a post office account you will need to show your alien registration card at the front counter.The post office has ordinary accounts (tsujo chokin),term deposits (teki chokin),and fixed amount accounts (teigaku chokin).The difference between bank accounts and post office accounts is just in the name.Post office accounts are called chokin while bank accounts are yokin.The interest rate in the post office's ordinary accounts is a little higher than the bank's.Public utility bills can also be paid automatically from a post office account.The mark which represents the post office is 〒.

(4) Foreign Remittance (Gaikoku Sokin)
Money can be sent to foreign countries from banks with foreign currency exchange sections or main post offices.To send money to another country a foreign remittance slip (gaikoku sokin iraishyo) must be filled out and handed in at the counter.Please ask at the bank or post office counter for the slip.

Types of remittance: (1) At a bank
a.Currency Exchange
b.Telegraphic Transfer
c.Ordinary Transfer
(2) at a Post office
a.Telegraphic Transfer
b.Ordinary Transfer

Banks send money from one account to another and charge high service charges,nearly \2,500.
The post office however sends money by money order,to individuals directly,and is much cheaper.

日本に住んでいる人は、外国人・日本人を問わず口座を開設できます。
預金を受け付ける機関は銀行・郵便局・労働金庫・信用金庫・信用組合などがあります。

(1)口座開設
近くの金融機関に出向いて、新規の申し込み書に必要事項を記入してテラーに提出します。このとき幾分かのお金と印鑑・外国人登録証明書を一緒に出してください。銀行ではお金を出さなくても開設可能ですが郵便局は必要です。また外国人はサインでも開設できるが取引上制約があるので印鑑を使用した方が便利です。申し込みをするときにキャッシュカードを作成すると便利です。近くのCD (Cash Despensor)
・ATM (Auto Teller Machine) で預金・引出が可能です。金融機関の営業時間は通常9:00から15:00まで、CD・ATMは8:45から19:00まで。CD・ATMは18:00以降の利用は手数料がかかります。営業時間は金融機関によって異なるので窓口で尋ねてください。

(2)預金の種類
預金には、普通預金・定期預金・総合口座等があります。
a.普通預金
金利は低いが出入が自由。公共料金の支払いもここからすることができます。通帳が発行されるので印鑑と共に保管をしておく方がよいでしょう。キャッシュカードを作成すると通帳・印鑑がなくてもCD・ATMで払出ができます。窓口で支払うときには、所定の請求書に署名・捺印・金額・口座番号を記入してテラーに提出します。金融機関によって書式が異なるので窓口でたずねてください。
b.定期預金
金利は普通預金より高いが契約期間中に払出ができません。やむを得ず引き出すときの金利は、預け入れ期間によって異なります。作成するときは、所定の用紙に署名捺印が必要です。ATMで預金することも出来ますが金融機関によって異なります。

(3)郵便局
外国人登録証明書を提示して郵便局で口座を開設することができます。郵便局で取り扱う口座は通常貯金・定額貯金・定期貯金と言います。(銀行は預金。)通常貯金は銀行の普通預金よりも金利が少し高めです。また、公共料金の自動振替を利用することも可能です。
郵便局のマークは〒です。

(4)外国送金
外国為替公認銀行または郵便局から外国へ送金することができます。送金する場合は外国送金依頼書に必要事項を記入して窓口に提出します。依頼書は、銀行・郵便局にあるので窓口に尋ねてください。
送金の種類 (1)銀行 a 為替 b 電信送金 c 普通送金
(2)郵便局 a 電信送金 b 普通送金