Banking/Finance

Mobile Banking

The Japanese you need for Mobile Banking, in natural keigo. Procedure flow · NG warnings · 9-language parallel translations

Synergia Editorial Team

This page helps foreign residents and long-term visitors handle "Mobile Banking" with daily Japanese phrases for living in Japan, practical examples, and common mistakes to avoid.

What this page helps you say in Japan

This page focuses on Mobile Banking and teaches useful Japanese phrases for daily life in Japan, including natural replies, polite alternatives, and practical wording for foreigners living in Japan.

What You'll Learn on This Page

Practice Phrases (10 Total)

ネットバンキングを申し込みたいのですが

ネットバンキングをもうしこみたいのですが

I'd like to apply for online banking.

POINT“I want to use it online” → “I want to apply”

初期パスワードはどのように設定しますか

しょきパスワードはどのようにせっていしますか

How do I set the initial password?

POINT"Initial password" → "Initial password"

ワンタイムパスワードのアプリをインストールしました

ワンタイムパスワードのアプリをインストールしました

I've installed the one-time password app.

POINTUsed when setting up two-step verification

ログインができなくなってしまいました

ログインができなくなってしまいました

I can't log in anymore.

POINT"I can't enter" → "I can't log in"

パスワードを忘れてしまいました

パスワードをわすれてしまいました

I've forgotten my password.

POINTStandard format for reissue request

振込限度額を上げていただきたいのですが

ふりこみげんどがくをあげていただきたいのですが

I'd like to raise my transfer limit.

POINTInitially 500,000 yen per day, etc., the upper limit can be changed at the counter.

不審なメールが届きました

ふしんなメールがとどきました

I received a suspicious email.

POINTPhishing scam consultation

アプリが起動しなくなってしまいました

アプリがきどうしなくなってしまいました

The app won't start.

POINT“Does not open” → “Does not start” is technical

ワンタイムパスワードが届きません

ワンタイムパスワードがとどきません

The one-time password isn't arriving.

POINTConsultation about not being able to receive SMS

顔認証での入金はできますか

かおにんしょうでのにゅうきんはできますか

Can I deposit with face recognition?

POINTBiometric-enabled questions

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Frequently Asked Questions

Q. What are the online banking fees?
A. Many banks offer monthly free services. Transfer fees are generally less than half of those charged through online banking.
Q. Is security okay?
A. Multi-layered protection includes one-time passwords, biometric authentication, and anomaly detection systems. However, be careful of suspicious emails.
Q. What if I can't read Japanese?
A. Rakuten Bank, PayPay Bank, SBI Shinsei Bank, etc. can be switched to English UI. Japan Post Direct also supports English.
Q. What should I do if I change my smartphone model?
A. The basic procedure is to cancel the app on the old device and then reconfigure it on the new device. A transfer procedure for the one-time password app is also required.
Q. Will I be compensated for fraudulent remittances?
A. According to the Depositor Protection Act, if there is no negligence, the depositor will be compensated in full, and if there is negligence, compensation will be 75%. Contact your bank immediately.