Jul 9, 2026
Refused a bank account on a spousal visa
Much to my horror, I was refused a bank account today on the basis that my residence status is "Spouse or Child of a Japanese national". Allegedly, I would have been able to open one if I had a work visa. I wonder though.
The words "it isn't because you are a foreigner", in Japanese, were used when they were breaking the news to me. But somehow, I felt like they were trying to soften a truth that still landed heavily on me.
The bank clerk I dealt with was very nice and I felt she was both embarrassed by and frustrated with the banks policies. She did give me an idea of a work around, but I won't be using it. I will place my money in another bank.
I managed to keep my cool, but inside I was stung in a way I didn't expect. I am in Japan 25 years - it is rare for me to feel like an outsider, but moments like this remind me that I'm still seen as one.
Irish, Mom of 4, currently also living beside the In-Laws. 25+ years back and forth between Ireland and Japan! I also write on my personal website: insaitama.com
2 Comments
helloalissa
on Jul 12
Just commenting to say that I'm surprised you don't have permanent residence after that long here. I don't know if that would have changed the bank's decision or your personal situation in the matter.
BigfamJapan
on Jul 13
@helloalissa I think she did mention permanent residency would make me eligible. I went for PR a long time ago and didn't get it - I timed it wrong after a period of going back and forth between Ireland and Japan. The thoughts of going for it again! But I think I really will need to sort it.