[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"article:living-ginkou-koza":3},{"meta":4,"markdown":77,"quiz":78},{"type":5,"articleId":6,"slug":6,"title":7,"titleEn":8,"category":9,"summary":10,"publishedAt":11,"image":12,"vocabulary":13,"quizId":76},"article","living-ginkou-koza","銀行口座開設とクレジットカード — 外国人エンジニアの実務","Opening a Japanese Bank Account and Getting a Credit Card — Practical Guide for Foreign Engineers","living-in-japan","Practical guide for foreign engineers opening their first bank account in Japan: comparison of megabanks (MUFG, SMBC, Mizuho) vs. internet banks (Rakuten, Sumishin SBI, Shinsei) vs. neobanks (PayPay, Sony), the documents required (residence card, juminhyo, hanko or signature, employer reference), the 6-month residency rule that blocks most credit card applications, and the workarounds — debit cards, deposit-secured cards, and entry-level options like Rakuten Card.\n","2026-04-27T00:00:00Z","https:\u002F\u002Fimages.yamiyomi.com\u002Fliving-ginkou-koza.png",[14,19,23,27,32,36,40,44,48,52,56,60,64,68,72],{"word":15,"reading":16,"meaning":17,"level":18},"口座開設","こうざかいせつ","opening an account","N1",{"word":20,"reading":21,"meaning":22,"level":18},"在留カード","ざいりゅうカード","residence card",{"word":24,"reading":25,"meaning":26,"level":18},"住民票","じゅうみんひょう","certificate of residence",{"word":28,"reading":29,"meaning":30,"level":31},"印鑑","いんかん","personal seal","N2",{"word":33,"reading":34,"meaning":35,"level":31},"通帳","つうちょう","bankbook",{"word":37,"reading":38,"meaning":39,"level":18},"都市銀行","としぎんこう","megabank",{"word":41,"reading":42,"meaning":43,"level":18},"給与振込","きゅうよふりこみ","salary transfer",{"word":45,"reading":46,"meaning":47,"level":31},"審査","しんさ","screening",{"word":49,"reading":50,"meaning":51,"level":18},"信用情報","しんようじょうほう","credit information",{"word":53,"reading":54,"meaning":55,"level":18},"与信","よしん","credit extension",{"word":57,"reading":58,"meaning":59,"level":18},"滞在期間","たいざいきかん","length of stay",{"word":61,"reading":62,"meaning":63,"level":18},"保証金","ほしょうきん","security deposit",{"word":65,"reading":66,"meaning":67,"level":31},"手数料","てすうりょう","fee",{"word":69,"reading":70,"meaning":71,"level":31},"振込","ふりこみ","bank transfer",{"word":73,"reading":74,"meaning":75,"level":31},"暗証番号","あんしょうばんごう","PIN","living-banking-housing-quiz","\n::para\n[日本]{にほん:Japan:N5}に[来日]{らいにち:arrival in Japan:N5}した[外国人]{がいこくじん:foreigner:N5}エンジニアにとって、[最初]{さいしょ:first:N3}の[実務]{じつむ:practical:N3}[課題]{かだい:task:N2}の[一つ]{ひとつ:one:N5}が[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}の[開設]{かいせつ:opening:N2}です。[給与]{きゅうよ:salary:N3}[振込]{ふりこみ:transfer:N1}、[家賃]{やちん:rent:N1}の[自動]{じどう:automatic:N4}[引落]{ひきおとし:debit:N3}、[公共]{こうきょう:public:N3}[料金]{りょうきん:utility fees:N4}の[支払い]{しはらい:payment:N3}など、[生活]{せいかつ:living:N3}[基盤]{きばん:foundation:N1}のすべてが[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}を[起点]{きてん:starting point:N3}としています。[本記事]{ほんきじ:this article:N3}では、[都市]{とし:city, urban:N3}[銀行]{ぎんこう:bank:N4}・ネット[銀行]{ぎんこう:bank:N4}・ネオバンクの[違い]{ちがい:differences:N3}、[必要]{ひつよう:necessary:N3}[書類]{しょるい:documents:N3}、そして[多く]{おおく:many:N4}の[新]{しん:new:N4}[来日]{らいにち:arrival in Japan:N5}[者]{しゃ:person:N4}が[直面]{ちょくめん:to face:N3}するクレジットカード[審査]{しんさ:screening:N1}の[壁]{かべ:wall:N1}と[対処法]{たいしょほう:countermeasures:N3}を[解説]{かいせつ:to explain:N3}します。\n\n#en\nFor foreign engineers who have just arrived in Japan, one of the first practical tasks is opening a bank account. Salary transfers, automatic rent debits, utility payments — virtually every part of daily life flows through your bank account. This article covers the differences between megabanks, internet banks, and neobanks, the required documents, and the credit-card screening wall that many newcomers face along with the workarounds.\n::\n\n::heading\n[銀行]{ぎんこう:bank:N4}の[3]{さん:three}つの[類型]{るいけい:categories:N2}\n\n#en\nThe Three Categories of Japanese Banks\n::\n\n::para\n[日本]{にほん:Japan:N5}の[銀行]{ぎんこう:bank:N4}は[大きく]{おおきく:broadly:N5}[3]{さん:three}つに[分類]{ぶんるい:to classify:N3}できます。[第一]{だいいち:first:N1}に[都市]{とし:urban:N3}[銀行]{ぎんこう:bank:N4}（メガバンク）です。[三菱]{みつびし:Mitsubishi:N1}UFJ[銀行]{ぎんこう:bank:N4}、[三井住友]{みついすみとも:Sumitomo Mitsui:N1}[銀行]{ぎんこう:bank:N4}（SMBC）、みずほ[銀行]{ぎんこう:bank:N4}の[三大]{さんだい:three major:N5}メガバンクは[全国]{ぜんこく:nationwide:N3}に[支店]{してん:branches:N3}とATMを[展開]{てんかい:to deploy:N1}し、[海外]{かいがい:overseas:N4}[送金]{そうきん:remittance:N4}や[法人]{ほうじん:corporate:N3}[取引]{とりひき:transactions:N3}にも[強い]{つよい:strong:N4}のが[特徴]{とくちょう:characteristic:N1}です。[第二]{だいに:second:N1}にネット[銀行]{ぎんこう:bank:N4}です。[楽天]{らくてん:Rakuten:N4}[銀行]{ぎんこう:bank:N4}、[住信]{すみしん:Sumishin:N3}SBIネット[銀行]{ぎんこう:bank:N4}、[新生]{しんせい:Shinsei:N4}[銀行]{ぎんこう:bank:N4}などが[代表]{だいひょう:representative:N3}[例]{れい:example:N3}で、[手数料]{てすうりょう:fees:N3}が[安く]{やすく:cheap:N4}、[24時間]{にじゅうよじかん:24 hours:N5}スマホで[操作]{そうさ:operation:N1}できます。[第三]{だいさん:third:N1}にネオバンクです。PayPay[銀行]{ぎんこう:bank:N4}（[旧]{きゅう:former:N2}ジャパンネット[銀行]{ぎんこう:bank:N4}）、ソニー[銀行]{ぎんこう:bank:N4}が[該当]{がいとう:applicable:N1}し、ネット[銀行]{ぎんこう:bank:N4}と[同様]{どうよう:similarly:N3}[店舗]{てんぽ:store:N1}を[持た]{もた:to hold:N4}ず、スマホアプリを[中心]{ちゅうしん:center:N4}とした[体験]{たいけん:experience:N4}を[提供]{ていきょう:to provide:N1}します。\n\n#en\nJapanese banks fall into roughly three categories. First are the megabanks: MUFG Bank, SMBC, and Mizuho. They have nationwide branch and ATM networks and are strong on overseas remittance and corporate transactions. Second are internet banks: Rakuten Bank, Sumishin SBI Net Bank, and Shinsei Bank are the most well-known. Their fees are low and you can operate everything 24\u002F7 from your phone. Third are neobanks like PayPay Bank (formerly Japan Net Bank) and Sony Bank, which similarly have no physical branches and provide a smartphone-app-centric experience.\n::\n\n::callout\n[実務]{じつむ:practical:N3}ポイント：[初心者]{しょしんしゃ:beginner:N3}には「メガバンク+ネット[銀行]{ぎんこう:bank:N4}」の[併用]{へいよう:combined use:N1}を[推奨]{すいしょう:recommended:N1}。メガバンクは[家賃]{やちん:rent:N1}[振込]{ふりこみ:transfer:N1}・[給与]{きゅうよ:salary:N3}[受取]{うけとり:receipt:N3}など[信用]{しんよう:credit:N3}が[必要]{ひつよう:necessary:N3}な[場面]{ばめん:scene:N3}に、ネット[銀行]{ぎんこう:bank:N4}は[日常]{にちじょう:daily:N3}の[振込]{ふりこみ:transfer:N1}・[海外]{かいがい:overseas:N4}カード[利用]{りよう:use:N3}に[使い分け]{つかいわけ:proper use:N4}る。\n\n#en\nPractical tip: beginners should run a megabank + internet bank in parallel. Use the megabank for situations that need credibility (rent transfers, salary receipt) and the internet bank for daily transfers and overseas card use.\n::\n\n::heading\n[口座]{こうざ:account:N3}[開設]{かいせつ:opening:N2}に[必要]{ひつよう:necessary:N3}な[書類]{しょるい:documents:N3}\n\n#en\nDocuments Required to Open an Account\n::\n\n::para\n[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}の[開設]{かいせつ:opening:N2}に[必要]{ひつよう:necessary:N3}な[基本]{きほん:basic:N1}[書類]{しょるい:documents:N3}は、①[在留]{ざいりゅう:residence:N3}カード、②[住民票]{じゅうみんひょう:certificate of residence:N1}（[市区]{しく:city\u002Fward:N2}[役所]{やくしょ:office:N3}で[取得]{しゅとく:to obtain:N3}）、③[印鑑]{いんかん:personal seal:N1}またはサイン、④[個人]{こじん:individual:N2}[番号]{ばんごう:number:N3}（マイナンバー）の[四点]{よんてん:four items:N3}が[基本]{きほん:basic:N1}[セット]{セット:set}です。[勤務]{きんむ:employment:N3}[先]{さき:place:N5}を[示す]{しめす:to show:N3}[在職]{ざいしょく:in employment:N3}[証明書]{しょうめいしょ:certificate:N1}や[名刺]{めいし:business card:N2}の[提示]{ていじ:presentation:N1}を[求め]{もとめ:to require:N3}られることもあります。[電話]{でんわ:phone:N5}[番号]{ばんごう:number:N3}も[日本]{にほん:Japan:N5}の[番号]{ばんごう:number:N3}が[必須]{ひっす:mandatory:N1}で、SMS[認証]{にんしょう:authentication:N1}に[使用]{しよう:to use:N4}されます。\n\n#en\nThe basic document set for opening a bank account is: (1) residence card, (2) juminhyo (certificate of residence, obtained at your city\u002Fward office), (3) a personal seal (hanko) or signature, and (4) your individual number (My Number). You may also be asked to show an employment certificate or business card. A Japanese phone number is mandatory because it is used for SMS authentication.\n::\n\n::para\n[在留]{ざいりゅう:residence:N3}[期間]{きかん:period:N3}が[6]{ろく:six}か[月]{げつ:months:N5}[未満]{みまん:less than:N3}の[場合]{ばあい:case:N3}、メガバンクでは[口座]{こうざ:account:N3}[開設]{かいせつ:opening:N2}を[拒否]{きょひ:to refuse:N1}されることがあります。これは[マネーロンダリング]{マネーロンダリング:money laundering}[防止]{ぼうし:prevention:N2}の[観点]{かんてん:viewpoint:N3}から[金融庁]{きんゆうちょう:Financial Services Agency:N1}が[各]{かく:each:N2}[行]{こう:bank:N5}に[厳格]{げんかく:strict:N1}な[本人]{ほんにん:identity:N5}[確認]{かくにん:verification:N3}を[求めて]{もとめて:to require:N3}いるためです。[6]{ろく:six}か[月]{げつ:months:N5}[未満]{みまん:less than:N3}の[滞在]{たいざい:stay:N1}[者]{しゃ:person:N4}でも[開設]{かいせつ:opening:N2}できる[銀行]{ぎんこう:bank:N4}としては、[ゆうちょ]{ゆうちょ:Japan Post Bank}[銀行]{ぎんこう:bank:N4}や[一部]{いちぶ:some:N3}のネット[銀行]{ぎんこう:bank:N4}（PayPay[銀行]{ぎんこう:bank:N4}など）が[挙げ]{あげ:to cite:N1}られます。[勤務]{きんむ:employment:N3}[先]{さき:place:N5}の[人事]{じんじ:HR:N4}[部]{ぶ:department:N3}に[相談]{そうだん:consultation:N3}し、[企業]{きぎょう:company:N1}[側]{がわ:side:N3}が[紹介]{しょうかい:to introduce:N2}する[提携]{ていけい:partner:N1}[銀行]{ぎんこう:bank:N4}を[利用]{りよう:to use:N3}するのも[有効]{ゆうこう:effective:N2}な[手段]{しゅだん:means:N3}です。\n\n#en\nIf your residence period is less than 6 months, megabanks may refuse to open an account. This is because the Financial Services Agency requires strict identity verification at each bank from a money-laundering-prevention perspective. Banks that will still open an account for residents with under 6 months of stay include Japan Post Bank and some internet banks (such as PayPay Bank). It is also effective to consult your company's HR department and use the partner bank they introduce.\n::\n\n::heading\nメガバンクとネット[銀行]{ぎんこう:bank:N4}の[使い分け]{つかいわけ:proper use:N4}\n\n#en\nUsing Megabanks and Internet Banks Strategically\n::\n\n::para\nメガバンクの[強み]{つよみ:strength:N4}は[信用]{しんよう:credibility:N3}と[支店]{してん:branch:N3}[網]{もう:network:N1}です。[賃貸]{ちんたい:rental:N1}[契約]{けいやく:contract:N1}で[家賃]{やちん:rent:N1}[引落]{ひきおとし:debit:N3}[口座]{こうざ:account:N3}を[指定]{してい:to designate:N3}される[場合]{ばあい:case:N3}、メガバンクの[口座]{こうざ:account:N3}を[要求]{ようきゅう:to demand:N3}されることが[依然]{いぜん:still:N2}として[多い]{おおい:many:N4}です。また、[現金]{げんきん:cash:N3}[決済]{けっさい:settlement:N3}が[根強い]{ねづよい:deeply rooted:N2}[日本]{にほん:Japan:N5}[社会]{しゃかい:society:N4}では、[全国]{ぜんこく:nationwide:N3}に[配置]{はいち:to position:N3}されたATMの[利便性]{りべんせい:convenience:N3}も[無視]{むし:to ignore:N1}できません。[一方]{いっぽう:on the other hand:N4}、メガバンクは[他行]{たこう:other bank:N3}[宛]{あて:address:N1}[振込]{ふりこみ:transfer:N1}[手数料]{てすうりょう:fees:N3}が[高く]{たかく:high:N5}（[1]{いっ:one}[件]{けん:case:N3}[330]{さんびゃくさんじゅう:330}〜[770]{ななひゃくななじゅう:770}[円]{えん:yen:N5}[程度]{ていど:about:N3}）、[窓口]{まどぐち:counter:N3}[対応]{たいおう:service:N1}も[平日]{へいじつ:weekdays:N3}[15]{じゅうご:15}[時]{じ:o'clock:N5}[まで]{まで:until}に[限定]{げんてい:limited:N3}されるなど、[使い]{つかい:use:N4}[勝手]{がって:convenience:N3}は[必ずしも]{かならずしも:not necessarily:N3}よくありません。\n\n#en\nThe strength of megabanks is credibility and branch coverage. When a rental contract designates a rent-debit account, megabank accounts are still often required. In a Japanese society where cash settlement remains deeply rooted, the convenience of nationwide ATMs cannot be ignored. On the other hand, megabank fees for transfers to other banks are high (around 330-770 yen per transaction), counter service is limited to weekdays until 3pm, and overall usability is not always great.\n::\n\n::para\nネット[銀行]{ぎんこう:bank:N4}の[最大]{さいだい:greatest:N3}の[利点]{りてん:advantage:N3}は[手数料]{てすうりょう:fees:N3}の[安]{やす:cheap:N4}さです。[住信]{すみしん:Sumishin:N3}SBIネット[銀行]{ぎんこう:bank:N4}や[楽天]{らくてん:Rakuten:N4}[銀行]{ぎんこう:bank:N4}は、[一定]{いってい:certain:N3}[条件]{じょうけん:conditions:N1}を[満たす]{みたす:to meet:N3}と[他行]{たこう:other bank:N3}[宛]{あて:to:N1}[振込]{ふりこみ:transfer:N1}[手数料]{てすうりょう:fees:N3}が[月]{つき:month:N5}[数]{すう:several:N3}[回]{かい:times:N3}[無料]{むりょう:free:N4}になります。コンビニATMの[手数料]{てすうりょう:fees:N3}も[無料]{むりょう:free:N4}[回数]{かいすう:number of times:N3}が[多く]{おおく:many:N4}、[24]{にじゅうよ:24}[時間]{じかん:hours:N5}スマホアプリで[残高]{ざんだか:balance:N3}[確認]{かくにん:check:N3}・[振込]{ふりこみ:transfer:N1}が[完結]{かんけつ:to complete:N1}します。[新生]{しんせい:Shinsei:N4}[銀行]{ぎんこう:bank:N4}は[英語]{えいご:English:N4}サポートが[充実]{じゅうじつ:substantial:N1}しており、[外国人]{がいこくじん:foreigner:N5}[利用者]{りようしゃ:user:N3}に[特に]{とくに:especially:N4}[人気]{にんき:popular:N5}です。\n\n#en\nThe biggest advantage of internet banks is low fees. Sumishin SBI Net Bank and Rakuten Bank waive transfer fees to other banks several times per month if you meet certain conditions. Convenience-store ATM fees also have many free uses, and you can check balances and make transfers from your smartphone app 24\u002F7. Shinsei Bank has substantial English support and is especially popular among foreign users.\n::\n\n::callout\n[使い分け]{つかいわけ:proper use:N4}[例]{れい:example:N3}：①[給与]{きゅうよ:salary:N3}[振込]{ふりこみ:transfer:N1}・[家賃]{やちん:rent:N1}[引落]{ひきおとし:debit:N3}＝メガバンク（[三菱]{みつびし:Mitsubishi:N1}UFJ[等]{とう:etc.:N3}）、②[日常]{にちじょう:daily:N3}[支払い]{しはらい:payments:N3}・[他行]{たこう:other bank:N3}[振込]{ふりこみ:transfer:N1}＝[住信]{すみしん:Sumishin:N3}SBIネット[銀行]{ぎんこう:bank:N4}、③[海外]{かいがい:overseas:N4}カード[利用]{りよう:use:N3}＝ソニー[銀行]{ぎんこう:bank:N4}（[外貨]{がいか:foreign currency:N2}[預金]{よきん:deposit:N2}に[強い]{つよい:strong:N4}）。\n\n#en\nSample setup: (1) salary receipt and rent debit = megabank (e.g., MUFG), (2) daily payments and inter-bank transfers = Sumishin SBI Net Bank, (3) overseas card use = Sony Bank (strong on foreign-currency deposits).\n::\n\n::heading\nクレジットカード[審査]{しんさ:screening:N1}の[壁]{かべ:wall:N1}\n\n#en\nThe Credit Card Screening Wall\n::\n\n::para\n[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}の[開設]{かいせつ:opening:N2}は[比較的]{ひかくてき:relatively:N1}スムーズでも、クレジットカードの[審査]{しんさ:screening:N1}は[新]{しん:new:N4}[来日]{らいにち:arrival in Japan:N5}[外国人]{がいこくじん:foreigner:N5}にとって[大きな]{おおきな:large:N5}[障壁]{しょうへき:barrier:N1}となります。[日本]{にほん:Japan:N5}のクレジットカード[会社]{がいしゃ:company:N4}は[与信]{よしん:credit extension:N3}[判断]{はんだん:judgment:N3}にあたり、CIC・JICC・[全]{ぜん:all:N3}[銀]{ぎん:bank:N4}[協]{きょう:association:N2}の[3]{さん:three}つの[信用]{しんよう:credit:N3}[情報]{じょうほう:information:N3}[機関]{きかん:agencies:N3}に[照会]{しょうかい:to inquire:N2}します。[来日]{らいにち:arrival in Japan:N5}[直後]{ちょくご:immediately after:N3}は[信用]{しんよう:credit:N3}[履歴]{りれき:history:N1}（クレジットヒストリー）が[一切]{いっさい:absolutely:N4}[存在]{そんざい:exists:N3}しないため、たとえ[母国]{ぼこく:home country:N5}で[年収]{ねんしゅう:annual income:N3}が[高くて]{たかくて:high:N5}も、また[日本]{にほん:Japan:N5}の[企業]{きぎょう:company:N1}に[正]{せい:full:N4}[社員]{しゃいん:employee:N4}として[就職]{しゅうしょく:to be employed:N1}していても、[審査]{しんさ:screening:N1}に[落ちる]{おちる:to fail:N3}ことが[頻繁]{ひんぱん:frequent:N1}にあります。\n\n#en\nEven when bank-account opening goes smoothly, credit-card screening is a major barrier for newly arrived foreigners. Japanese credit-card companies query three credit-information agencies — CIC, JICC, and the Japanese Bankers Association — when making credit decisions. Immediately after arrival, you have no credit history at all, so even if your home-country income is high and even if you are employed full-time at a Japanese company, you will frequently fail screening.\n::\n\n::para\n[多く]{おおく:many:N4}のカード[会社]{がいしゃ:company:N4}が[内部]{ないぶ:internal:N3}[基準]{きじゅん:standards:N1}として「[在留]{ざいりゅう:residence:N3}[期間]{きかん:period:N3}[6]{ろく:six}か[月]{げつ:months:N5}[以上]{いじょう:or more:N4}」を[要件]{ようけん:requirement:N3}としていることも[障壁]{しょうへき:barrier:N1}を[高く]{たかく:high:N5}しています。「[6]{ろく:six}か[月]{げつ:months:N5}ルール」と[呼ばれ]{よばれ:to be called:N3}、[公式]{こうしき:official:N3}には[公表]{こうひょう:publicly stated:N3}されないものの、[実務]{じつむ:practical:N3}[上]{じょう:in terms of:N5}は[ほぼ]{ほぼ:nearly}[共通]{きょうつう:common:N3}の[ハードル]{ハードル:hurdle}となっています。さらに[在留]{ざいりゅう:residence:N3}[資格]{しかく:status:N3}の[期間]{きかん:period:N3}も[審査]{しんさ:screening:N1}[対象]{たいしょう:subject:N2}で、[残存]{ざんぞん:remaining:N3}[期間]{きかん:period:N3}が[1]{いち:one}[年]{ねん:year:N5}[未満]{みまん:less than:N3}の[場合]{ばあい:case:N3}は[減点]{げんてん:demerit:N2}[要因]{よういん:factor:N3}となります。\n\n#en\nThe barrier is also raised by the fact that many card companies use \"6 months or more of residence in Japan\" as an internal criterion. Called the \"6-month rule,\" it is not officially published but is a virtually universal hurdle in practice. The remaining period of your residence status is also examined: less than one year remaining counts as a negative factor.\n::\n\n::callout\n[試験]{しけん:exam:N4}・[実務]{じつむ:practical:N3}ポイント：クレジットカード[審査]{しんさ:screening:N1}に[影響]{えいきょう:impact:N1}する[3]{さん:three}[要素]{ようそ:elements:N1}＝①[信用]{しんよう:credit:N3}[履歴]{りれき:history:N1}（CIC[等]{とう:etc.:N3}）、②[在留]{ざいりゅう:residence:N3}[期間]{きかん:period:N3}（[6]{ろく:six}か[月]{げつ:months:N5}[以上]{いじょう:or more:N4}）、③[在留]{ざいりゅう:residence:N3}[資格]{しかく:status:N3}の[残存]{ざんぞん:remaining:N3}[期間]{きかん:period:N3}（[1]{いち:one}[年]{ねん:year:N5}[以上]{いじょう:or more:N4}が[望ましい]{のぞましい:desirable:N3}）。[年収]{ねんしゅう:annual income:N3}は[補助]{ほじょ:supplementary:N2}[要素]{ようそ:factor:N1}にすぎない。\n\n#en\nExam\u002Fpractical point: three factors that affect credit-card screening = (1) credit history (CIC etc.), (2) residence period (6+ months), (3) remaining period of residence status (1+ year preferable). Annual income is only a supplementary factor.\n::\n\n::heading\n[審査]{しんさ:screening:N1}に[通り]{とおり:to pass:N4}やすいカードと[代替]{だいたい:alternatives:N2}[手段]{しゅだん:means:N3}\n\n#en\nEasier-to-Approve Cards and Alternatives\n::\n\n::para\n[来日]{らいにち:arrival in Japan:N5}[直後]{ちょくご:immediately after:N3}でも[比較的]{ひかくてき:relatively:N1}[審査]{しんさ:screening:N1}に[通り]{とおり:to pass:N4}やすいとされるのが[楽天]{らくてん:Rakuten:N4}カードです。[年会費]{ねんかいひ:annual fee:N3}[無料]{むりょう:free:N4}で[還元率]{かんげんりつ:point return rate:N1}も[高く]{たかく:high:N5}、[多く]{おおく:many:N4}の[外国人]{がいこくじん:foreigner:N5}[利用者]{りようしゃ:user:N3}が[最初]{さいしょ:first:N3}の[一]{いち:first:N5}[枚]{まい:counter for cards:N2}として[取得]{しゅとく:to obtain:N3}しています。[他]{た:others:N3}にもイオンカード、エポスカードなどの[流通]{りゅうつう:distribution:N3}[系]{けい:type:N1}カードは[審査]{しんさ:screening:N1}が[相対的]{そうたいてき:relatively:N3}に[緩い]{ゆるい:lenient:N1}とされています。[逆に]{ぎゃくに:conversely:N2}、アメリカン・エキスプレスやJCBプラチナなどの[ステータス]{ステータス:status}カードは[来日]{らいにち:arrival in Japan:N5}[初期]{しょき:early:N3}には[極めて]{きわめて:extremely:N2}[審査]{しんさ:screening:N1}が[厳しく]{きびしく:strict:N1}、[原則]{げんそく:principle:N2}[避ける]{さける:to avoid:N1}べきです。\n\n#en\nRakuten Card is considered relatively easy to pass even immediately after arrival. With no annual fee and high cashback, it is the first card many foreigners obtain. Other distribution-affiliated cards such as Aeon Card and Epos Card also have relatively lenient screening. Conversely, status cards like American Express and JCB Platinum are extremely strict in your early period in Japan and should generally be avoided.\n::\n\n::para\nクレジットカードの[審査]{しんさ:screening:N1}に[通ら]{とおら:to pass:N4}ない[期間]{きかん:period:N3}の[代替]{だいたい:alternative:N2}[手段]{しゅだん:means:N3}として[3]{さん:three}つの[選択肢]{せんたくし:options:N1}があります。[第一]{だいいち:first:N1}にデビットカードです。[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}と[直接]{ちょくせつ:direct:N2}[連携]{れんけい:linkage:N1}し、[残高]{ざんだか:balance:N3}の[範囲]{はんい:range:N1}[内]{ない:within:N3}で[即時]{そくじ:immediate:N1}[決済]{けっさい:settlement:N3}されます。[与信]{よしん:credit:N3}[審査]{しんさ:screening:N1}が[不要]{ふよう:unnecessary:N3}で、[口座]{こうざ:account:N3}[開設]{かいせつ:opening:N2}と[同時]{どうじ:simultaneous:N4}に[発行]{はっこう:to issue:N4}されます。VISAデビットや[住信]{すみしん:Sumishin:N3}SBIのMastercardデビットが[代表]{だいひょう:representative:N3}です。\n\n#en\nThere are three alternatives during the period when you cannot pass credit-card screening. First is a debit card. It links directly to your bank account and settles instantly within your balance. No credit screening is required, and it is issued at the same time as you open the account. VISA debit and Sumishin SBI's Mastercard debit are typical examples.\n::\n\n::para\n[第二]{だいに:second:N1}にデポジット[型]{がた:-type:N2}クレジットカードです。[保証金]{ほしょうきん:security deposit:N1}（[一般的]{いっぱんてき:typically:N2}に[5]{ご:five}〜[10]{じゅう:10}[万]{まん:ten thousand:N5}[円]{えん:yen:N5}）を[預け入れ]{あずけいれ:to deposit:N2}ることで、[保証金]{ほしょうきん:security deposit:N1}と[同額]{どうがく:equivalent amount:N2}の[利用]{りよう:credit:N3}[枠]{わく:limit:N1}が[与え]{あたえ:to give:N3}られます。[Nexus]{ネクサス:Nexus}カードや[ライフ]{ライフ:Life}カードDepositなどがあり、[与信]{よしん:credit:N3}[履歴]{りれき:history:N1}を[積み]{つみ:to build:N3}たい[外国人]{がいこくじん:foreigner:N5}[利用者]{りようしゃ:user:N3}に[活用]{かつよう:to utilize:N3}されています。[第三]{だいさん:third:N1}にプリペイドカードです。[事前]{じぜん:in advance:N4}にチャージした[範囲]{はんい:range:N1}[内]{ない:within:N3}で[利用]{りよう:to use:N3}でき、[Kyash]{Kyash:Kyash}やバンドルカードが[該当]{がいとう:applicable:N1}します。\n\n#en\nSecond is a deposit-secured credit card. By placing a security deposit (typically 50,000-100,000 yen), you receive a credit limit equal to the deposit. Examples include the Nexus Card and Life Card Deposit, used by foreign cardholders who want to build credit history. Third is a prepaid card. You can spend within an amount you have charged in advance — Kyash and Bandle Card fall into this category.\n::\n\n::callout\n[実務]{じつむ:practical:N3}[戦略]{せんりゃく:strategy:N2}：[来日]{らいにち:arrival in Japan:N5}[1]{いっ:1}〜[6]{ろっ:6}か[月]{げつ:months:N5}＝デビットカード+プリペイドで[しのぐ]{しのぐ:to get by}、[6]{ろっ:6}か[月]{げつ:months:N5}[後]{ご:later:N5}＝[楽天]{らくてん:Rakuten:N4}カード[等]{とう:etc.:N3}の[流通]{りゅうつう:distribution:N3}[系]{けい:type:N1}に[申込]{もうしこみ:apply:N3}、[1]{いち:one}[年]{ねん:year:N5}[後]{ご:later:N5}＝[一般]{いっぱん:general:N2}カード（[年会費]{ねんかいひ:annual fee:N3}[有料]{ゆうりょう:paid:N4}）にステップアップ、[2]{に:two}[年]{ねん:year:N5}[後]{ご:later:N5}＝ゴールド・プラチナを[視野]{しや:in view:N1}に。[信用]{しんよう:credit:N3}[履歴]{りれき:history:N1}は[継続]{けいぞく:continuous:N1}[利用]{りよう:use:N3}+[期日]{きじつ:due date:N3}[支払]{しはらい:payment:N3}で[積み上げる]{つみあげる:to build up:N3}。\n\n#en\nPractical strategy: months 1-6 = get by with debit and prepaid; after 6 months = apply for distribution-affiliated cards like Rakuten Card; after 1 year = step up to a paid general card; after 2 years = consider gold\u002Fplatinum. Credit history is built through continuous use and on-time payments.\n::\n\n::heading\n[暗証]{あんしょう:PIN, code:N1}[番号]{ばんごう:number:N3}と[本人]{ほんにん:identity:N5}[確認]{かくにん:verification:N3}の[実務]{じつむ:practical matters:N3}\n\n#en\nPINs and Identity Verification in Practice\n::\n\n::para\n[日本]{にほん:Japan:N5}の[銀行]{ぎんこう:bank:N4}[実務]{じつむ:practical:N3}では[暗証]{あんしょう:PIN:N1}[番号]{ばんごう:number:N3}（[4]{よん:4}[桁]{けた:digits:N1}）が[極めて]{きわめて:extremely:N2}[重要]{じゅうよう:important:N3}です。ATM[取引]{とりひき:transactions:N3}・[窓口]{まどぐち:counter:N3}[取引]{とりひき:transactions:N3}・[電話]{でんわ:phone:N5}[取引]{とりひき:transactions:N3}のすべてで[暗証]{あんしょう:PIN:N1}[番号]{ばんごう:number:N3}が[要求]{ようきゅう:required:N3}され、[3]{さん:three}[回]{かい:times:N3}[誤る]{あやまる:to enter incorrectly:N3}と[ロック]{ロック:lock}されます。[誕生日]{たんじょうび:birthday:N1}や[電話]{でんわ:phone:N5}[番号]{ばんごう:number:N3}など[推測]{すいそく:guess:N1}されやすい[番号]{ばんごう:number:N3}は[避ける]{さける:to avoid:N1}べきです。[ロック]{ロック:lock}された[場合]{ばあい:case:N3}は[支店]{してん:branch:N3}[窓口]{まどぐち:counter:N3}で[本人]{ほんにん:identity:N5}[確認]{かくにん:verification:N3}[書類]{しょるい:documents:N3}を[提示]{ていじ:presentation:N1}して[解除]{かいじょ:to unlock:N3}する[必要]{ひつよう:necessary:N3}があり、[在留]{ざいりゅう:residence:N3}カードと[届出]{とどけで:registered:N2}[印鑑]{いんかん:seal:N1}（または[サイン]{サイン:signature}）の[持参]{じさん:bringing:N3}が[必要]{ひつよう:necessary:N3}です。\n\n#en\nIn Japanese banking, the 4-digit PIN is extremely important. It is required for all ATM, counter, and phone transactions, and it locks after three wrong entries. Avoid easily guessed numbers such as your birthday or phone number. If locked, you must visit a branch counter to unlock with identity verification — bring your residence card and the registered seal (or signature).\n::\n\n::para\n[印鑑]{いんかん:personal seal:N1}は[日本]{にほん:Japan:N5}[特有]{とくゆう:unique:N4}の[制度]{せいど:institution:N3}で、[銀行]{ぎんこう:bank:N4}[届出]{とどけで:registered:N2}[印]{いん:seal:N2}は[口座]{こうざ:account:N3}[開設]{かいせつ:opening:N2}[時]{じ:at the time of:N5}に[登録]{とうろく:to register:N2}します。[最近]{さいきん:recently:N3}は[サイン]{サイン:signature}[登録]{とうろく:registration:N2}を[認める]{みとめる:to allow:N3}[銀行]{ぎんこう:bank:N4}も[増えて]{ふえて:to increase:N3}いますが、[古典]{こてん:classical:N1}[的]{てき:-type:N4}な[手続き]{てつづき:procedures:N3}（[相続]{そうぞく:inheritance:N3}・[大]{おお:large:N5}[口座]{ぐち:account:N3}[移動]{いどう:transfer:N2}[等]{とう:etc.:N3}）では[依然]{いぜん:still:N2}として[印鑑]{いんかん:seal:N1}が[要求]{ようきゅう:required:N3}される[場面]{ばめん:situations:N3}が[残って]{のこって:to remain:N3}います。[認印]{みとめいん:informal seal:N2}（[100]{ひゃく:100}[円]{えん:yen:N5}ショップで[販売]{はんばい:sold:N2}されているもの）でも[実務]{じつむ:practical:N3}[上]{じょう:in terms of:N5}は[十分]{じゅうぶん:sufficient:N5}ですが、[実印]{じついん:registered seal:N2}（[市区]{しく:city\u002Fward:N2}[役所]{やくしょ:office:N3}に[印鑑]{いんかん:seal:N1}[登録]{とうろく:registration:N2}したもの）は[賃貸]{ちんたい:rental:N1}[契約]{けいやく:contract:N1}や[自動車]{じどうしゃ:car:N4}[購入]{こうにゅう:purchase:N1}でも[利用]{りよう:to use:N3}されるため、[早期]{そうき:early:N3}の[作成]{さくせい:creation:N3}が[望ましい]{のぞましい:desirable:N3}です。\n\n#en\nThe hanko (personal seal) is uniquely Japanese, and the bank's registered seal is set up at account opening. Recently more banks accept signature registration, but for classical procedures (inheritance, large account transfers, etc.) a seal is still often required. A simple mitome-in (sold at 100-yen shops) is enough in practice, but a jitsu-in (registered at the city\u002Fward office) is also used for rental contracts and car purchases, so creating one early is advisable.\n::\n\n::heading\n[海外]{かいがい:overseas:N4}[送金]{そうきん:remittance:N4}と[実務]{じつむ:practical:N3}[上]{じょう:in terms of:N5}の[注意]{ちゅうい:caution:N4}[点]{てん:points:N3}\n\n#en\nOverseas Remittance and Practical Cautions\n::\n\n::para\n[母国]{ぼこく:home country:N5}への[海外]{かいがい:overseas:N4}[送金]{そうきん:remittance:N4}は、メガバンクの[窓口]{まどぐち:counter:N3}[経由]{けいゆ:via:N3}だと[手数料]{てすうりょう:fees:N3}が[高く]{たかく:high:N5}（[1]{いっ:one}[件]{けん:transaction:N3}[5,000]{ごせん:5,000}〜[7,000]{ななせん:7,000}[円]{えん:yen:N5}+[中継]{ちゅうけい:relay:N1}[銀行]{ぎんこう:bank:N4}[手数料]{てすうりょう:fees:N3}）、[着金]{ちゃっきん:fund arrival:N4}まで[2]{ふつ:2}〜[3]{みっ:3}[営業日]{えいぎょうび:business days:N2}かかります。[実務]{じつむ:practical:N3}では[Wise]{Wise:Wise}（[旧]{きゅう:former:N2}TransferWise）や[Revolut]{Revolut:Revolut}などの[フィンテック]{フィンテック:fintech}サービスが[圧倒的]{あっとうてき:overwhelmingly:N2}に[安く]{やすく:cheap:N4}（[1%]{いっパーセント:1 percent}[未満]{みまん:less than:N3}）、[即日]{そくじつ:same-day:N1}〜[翌日]{よくじつ:next-day:N2}[着金]{ちゃっきん:fund arrival:N4}が[実現]{じつげん:to realize:N3}できます。[多く]{おおく:many:N4}の[外国人]{がいこくじん:foreigner:N5}エンジニアは[日本]{にほん:Japan:N5}の[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}→Wise→[母国]{ぼこく:home country:N5}[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}という[ルート]{ルート:route}を[標準]{ひょうじゅん:standard:N1}として[利用]{りよう:to use:N3}しています。\n\n#en\nSending money home via a megabank counter is expensive (5,000-7,000 yen per transaction plus relay-bank fees) and takes 2-3 business days to arrive. In practice, fintech services like Wise (formerly TransferWise) and Revolut are overwhelmingly cheaper (under 1%) and arrive the same day or next day. Many foreign engineers use the standard route: Japanese bank account → Wise → home-country bank account.\n::\n\n::callout\n[最終]{さいしゅう:final:N3}[まとめ]{まとめ:summary}：①[銀行]{ぎんこう:bank:N4}は「メガバンク+ネット[銀行]{ぎんこう:bank:N4}」[併用]{へいよう:combined use:N1}、②[必要]{ひつよう:required:N3}[書類]{しょるい:documents:N3}は[在留]{ざいりゅう:residence:N3}カード+[住民票]{じゅうみんひょう:juminhyo:N1}+[印鑑]{いんかん:seal:N1}（[サイン]{サイン:signature}）+マイナンバー、③クレジットカードは[6]{ろっ:6}か[月]{げつ:months:N5}[ルール]{ルール:rule}・[信用]{しんよう:credit:N3}[履歴]{りれき:history:N1}・[在留]{ざいりゅう:residence:N3}[資格]{しかく:status:N3}[残存]{ざんぞん:remaining:N3}[期間]{きかん:period:N3}で[審査]{しんさ:screening:N1}、④[初期]{しょき:early:N3}は[楽天]{らくてん:Rakuten:N4}カード+デビット+デポジット[型]{がた:-type:N2}で[しのぐ]{しのぐ:to get by}、⑤[海外]{かいがい:overseas:N4}[送金]{そうきん:remittance:N4}は[Wise]{Wise:Wise}が[標準]{ひょうじゅん:standard:N1}。\n\n#en\nFinal summary: (1) run a megabank + internet bank in parallel, (2) required documents = residence card + juminhyo + seal (or signature) + My Number, (3) credit cards screened on the 6-month rule, credit history, and remaining residence status, (4) get by early with Rakuten Card + debit + deposit-secured cards, (5) Wise is standard for overseas remittance.\n::\n",{"id":76,"title":79,"titleEn":80,"topicPath":9,"questions":81},"銀行・住宅・引越し確認テスト","Banking, Housing, and Moving Comprehension Quiz",[82,110,133,158,181,206],{"id":83,"articleId":6,"question":84,"options":87,"correctLabel":93,"explanation":104,"tags":107},"living-banking-housing-quiz-q01",{"en":85,"jp":86},"Which of the following is correct as a general requirement when a foreign engineer opens a bank account at a Japanese megabank?","外国人エンジニアが日本で銀行口座を開設する際、メガバンクの一般的な要件として正しいものはどれか。",[88,92,96,100],{"label":89,"jp":90,"en":91},"ア","在留カードのみあれば即日開設可能で、住民票は不要である。","Account can be opened the same day with only a residence card; juminhyo is not required.",{"label":93,"jp":94,"en":95},"イ","在留カード、住民票、印鑑（またはサイン）、マイナンバーが基本書類で、在留期間6か月未満の場合は開設を拒否されることがある。","Residence card, juminhyo, seal (or signature), and My Number are the basic documents, and accounts may be refused for those with less than 6 months of residence.",{"label":97,"jp":98,"en":99},"ウ","メガバンクは外国人の口座開設を一切受け付けていない。","Megabanks do not accept any foreigner account opening at all.",{"label":101,"jp":102,"en":103},"エ","勤務先の人事部の許可があれば書類は一切不要となる。","With HR department permission from the employer, no documents are required.",{"en":105,"jp":106},"Opening an account at a megabank requires the basic set of residence card, juminhyo, seal (or signature), and My Number. From a money-laundering-prevention standpoint, the Financial Services Agency requires strict identity verification, and accounts may be refused for residents with less than 6 months of stay.","メガバンクで口座開設するには在留カード・住民票・印鑑（またはサイン）・マイナンバーの4点が基本セット。マネーロンダリング防止の観点から金融庁が厳格な本人確認を求めており、在留期間6か月未満の場合は開設を拒否されるケースがある。",[108,109],"banking","documents",{"id":111,"articleId":6,"question":112,"options":115,"correctLabel":97,"explanation":128,"tags":131},"living-banking-housing-quiz-q02",{"en":113,"jp":114},"Which best matches the '6-month rule' in credit-card screening?","クレジットカード審査における「6か月ルール」と最も整合的な説明はどれか。",[116,119,122,125],{"label":89,"jp":117,"en":118},"勤務開始から6か月経過すれば年収に関係なくゴールドカードが発行される。","After 6 months of employment, gold cards are issued regardless of annual income.",{"label":93,"jp":120,"en":121},"信用情報機関への登録から6か月経過すれば自動的に審査に通る。","Approval is automatic 6 months after registration with a credit bureau.",{"label":97,"jp":123,"en":124},"多くのカード会社が公式には公表しないものの、内部基準として在留期間6か月以上を要件としている運用慣行のこと。","An operational practice in which many card companies, while not publicly stating it, internally require 6+ months of residence.",{"label":101,"jp":126,"en":127},"クレジットカードの利用枠は6か月で必ずリセットされる。","Credit-card limits always reset every 6 months.",{"en":129,"jp":130},"The '6-month rule' is an operational practice where many card companies internally require '6+ months of residence' as a criterion. It is not officially published but, aimed at ensuring some accumulation of credit history, is a virtually universal hurdle in practice. Annual income and remaining residence-status period are also assessed in combination.","「6か月ルール」は多くのカード会社が内部基準として「在留期間6か月以上」を要件としている運用慣行。公式には公表されないが、信用履歴の蓄積期間を確保する目的で実務上ほぼ共通のハードルとなっている。年収や在留資格の残存期間も併せて審査される。",[132,47],"credit-card",{"id":134,"articleId":135,"question":136,"options":139,"correctLabel":93,"explanation":152,"tags":155},"living-banking-housing-quiz-q03","living-chintai-keiyaku",{"en":137,"jp":138},"Which correctly describes the difference between shikikin (security deposit) and reikin (key money) in a rental contract?","賃貸契約における敷金（しききん）と礼金（れいきん）の違いとして正しいものはどれか。",[140,143,146,149],{"label":89,"jp":141,"en":142},"敷金は大家への謝礼で返金されないが、礼金は預け金で退去時に必ず全額返金される。","Shikikin is a thank-you to the landlord and is non-refundable, while reikin is a deposit that is always fully refunded at move-out.",{"label":93,"jp":144,"en":145},"敷金は家賃滞納や原状回復費用に充当される預け金で残額は返還される一方、礼金は大家への謝礼として支払う非返還金である。","Shikikin is deposit money allocated to unpaid rent or restoration costs with the remainder refunded, while reikin is non-refundable money paid as a thank-you to the landlord.",{"label":97,"jp":147,"en":148},"敷金と礼金は同じものを別名で呼んでいるだけで、実質的な違いはない。","Shikikin and reikin are the same thing under different names with no substantive difference.",{"label":101,"jp":150,"en":151},"敷金は仲介業者の手数料で、礼金は保証会社への支払いを指す。","Shikikin is the brokerage fee, and reikin refers to payment to the guarantor company.",{"en":153,"jp":154},"Shikikin (1-2 months' rent) is deposit money allocated to unpaid rent or move-out restoration costs; any unused remainder is refunded as a rule. Reikin (0-2 months' rent) is non-refundable money in the nature of a thank-you to the landlord — a commercial custom from the post-war housing-shortage era that survives today.","敷金（家賃1〜2か月分）は家賃滞納や退去時の原状回復費用に充当される預け金で、使用しなかった残額は返還が原則。礼金（家賃0〜2か月分）は大家への謝礼としての性質を持つ非返還金で、戦後の住宅不足時代の商慣習が現代まで残っているもの。",[156,157],"housing","costs",{"id":159,"articleId":135,"question":160,"options":163,"correctLabel":93,"explanation":176,"tags":179},"living-banking-housing-quiz-q04",{"en":161,"jp":162},"Which best reflects the MLIT guidelines on move-out restoration?","退去時の原状回復に関する国土交通省ガイドラインの考え方として、最も適切なものはどれか。",[164,167,170,173],{"label":89,"jp":165,"en":166},"壁紙の日焼けや家具設置による床のへこみも借主が全額負担する。","Tenants bear the full cost of wallpaper sun-fading and floor dents from furniture placement.",{"label":93,"jp":168,"en":169},"経年劣化や通常損耗は貸主負担で、借主の故意・過失・善管注意義務違反による損耗のみが借主負担となる。減価償却の考え方により長期入居ほど借主負担割合は小さくなる。","Aging deterioration and normal wear and tear are borne by the landlord; only wear caused by the tenant's intent, negligence, or breach of the duty of good-faith management is borne by the tenant. Under depreciation, the longer the tenancy, the smaller the tenant's share.",{"label":97,"jp":171,"en":172},"退去時のクリーニング費用は法令により必ず借主が負担する。","Move-out cleaning fees are by law always borne by the tenant.",{"label":101,"jp":174,"en":175},"壁紙の張替えは1面でも汚した場合、貸主の判断により部屋全体の壁紙費用を借主に請求できる。","If even part of one wall's wallpaper is dirtied, the landlord may decide to bill the tenant for replacing wallpaper throughout the room.",{"en":177,"jp":178},"Under the MLIT 'Trouble and Guidelines on Restoration,' aging deterioration and normal wear are borne by the landlord, and only wear caused by tenant intent or negligence is borne by the tenant. Under depreciation, wallpaper, carpet, and air conditioners reach 1 yen residual value at 6 years, so longer tenancies have smaller tenant shares.","国交省「原状回復をめぐるトラブルとガイドライン」では、経年劣化と通常損耗は貸主負担、借主の故意・過失等による損耗のみ借主負担と整理。さらに減価償却の考え方により、壁紙・カーペット・エアコンは6年で残存価値1円となり、長期入居の借主ほど負担割合が小さくなる。",[156,180],"restoration",{"id":182,"articleId":183,"question":184,"options":187,"correctLabel":93,"explanation":200,"tags":203},"living-banking-housing-quiz-q05","living-hikkoshi-checklist",{"en":185,"jp":186},"When moving to a different municipality, what is the statutory deadline for the tennyū-todoke (moving-in notice) at the new municipality's office?","他の市区町村に引越しした場合、新住所地の役所での転入届の法定期限はいつまでか。",[188,191,194,197],{"label":89,"jp":189,"en":190},"転入日から30日以内","Within 30 days of the move-in date",{"label":93,"jp":192,"en":193},"転入日から14日以内（住民基本台帳法第22条）。期限を過ぎると5万円以下の過料が科される可能性がある。","Within 14 days of the move-in date (Article 22 of the Basic Resident Registration Act). Exceeding the deadline may incur a non-criminal fine of up to 50,000 yen.",{"label":97,"jp":195,"en":196},"転入日から3か月以内","Within 3 months of the move-in date",{"label":101,"jp":198,"en":199},"転入日から1年以内","Within 1 year of the move-in date",{"en":201,"jp":202},"Under Article 22 of the Basic Resident Registration Act, you must submit the tennyū-todoke within 14 days of the move-in date to the new place of residence. Missing the deadline may incur a non-criminal fine of up to 50,000 yen. If you have a My Number Card, you can also use online tenshutsu-todoke via Myna Portal.","住民基本台帳法第22条により、新住所地への転入日から14日以内に転入届を提出する義務がある。期限を過ぎると5万円以下の過料が科される可能性がある。マイナンバーカードを持っていれば、マイナポータル経由でオンライン転出届の利用も可能。",[204,205],"moving","deadlines",{"id":207,"articleId":183,"question":208,"options":211,"correctLabel":97,"explanation":224,"tags":227},"living-banking-housing-quiz-q06",{"en":209,"jp":210},"Which is correct regarding the residence-card address change procedure for foreign residents who have moved?","外国人居住者が住所変更した場合、在留カードの住所変更手続きについて正しいものはどれか。",[212,215,218,221],{"label":89,"jp":213,"en":214},"在留カードの住所は更新時にまとめて変更すればよく、特別な期限はない。","Residence-card address can simply be updated together at renewal time; no specific deadline applies.",{"label":93,"jp":216,"en":217},"出入国在留管理庁（入管）に直接出頭する必要があり、市区役所では手続きできない。","You must report directly to the Immigration Services Agency; it cannot be processed at the city\u002Fward office.",{"label":97,"jp":219,"en":220},"出入国管理及び難民認定法第19条の9により転入日から14日以内の届出が義務で、新住所地の市区役所で転入届と同時に手続きする。違反すると20万円以下の過料が科される可能性があり、在留資格更新にも影響しうる。","Under Article 19-9 of the Immigration Control and Refugee Recognition Act, notification within 14 days of the move-in date is required, processed at the new municipality's city\u002Fward office at the same time as the tennyū-todoke. Violation may incur a non-criminal fine of up to 200,000 yen and impact residence-status renewal.",{"label":101,"jp":222,"en":223},"勤務先の人事部が代理で手続きすれば本人は何もしなくてよい。","If the employer's HR department processes it as proxy, the resident does not need to do anything.",{"en":225,"jp":226},"Under Article 19-9 of the Immigration Control and Refugee Recognition Act, foreign residents must notify the residence-card address change within 14 days of the move-in date. It can be processed at the new municipality's city\u002Fward office at the same time as the tennyū-todoke; staff write the new address on the back of the residence card. Violation is subject to a non-criminal fine of up to 200,000 yen and may have a negative impact at the next residence-status renewal.","外国人居住者は出入国管理及び難民認定法第19条の9により、新住所への転入日から14日以内に在留カードの住所変更を届け出る義務がある。新住所地の市区役所で転入届と同時に手続き可能で、役所職員が在留カード裏面に新住所を追記する。違反は20万円以下の過料の対象となり、次回の在留資格更新にも不利な影響を与えうる。",[204,228,229],"immigration","residence-card"]