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Why Your Japanese Bank Account Can Suddenly Be Frozen (And How to Fix It)

Why Your Japanese Bank Account Can Suddenly Be Frozen (And How to Fix It) One of the most alarming experiences for foreign residents in Japan is discovering that their bank account no longer works. You may notice: Your debit card is declined Online banking access is blocked Transfers fail without explanation This often happens without warning , which makes it especially stressful. This article explains why Japanese bank accounts are sometimes frozen , the most common triggers, and what you can realistically do to fix the situation. First: What “Frozen” Usually Means In most cases, a frozen bank account in Japan does not mean your money is gone. It usually means: Transactions are temporarily restricted The bank requires confirmation or updated information Access will be restored once the issue is resolved This is an administrative lock, not a punishment. The Most Common Reason: Address Mismatch The single most common reason accounts are f...
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What You Must Update When You Change Address in Japan

What You Must Update When You Change Address in Japan (Complete Admin Checklist) Changing address in Japan involves more than just telling your landlord or forwarding mail. When you move, you are legally responsible for reporting your new address to multiple institutions . Some updates are mandatory, some are practical, and others are easy to forget until something breaks. This article provides a clear, complete checklist of what you must update when you change address in Japan, so nothing important is missed. 1. City Hall (Mandatory) The most important update is your address registration at city hall. You are required to: Submit a move-out notification (転出届) to your old municipality Submit a move-in notification (転入届) to your new municipality This must usually be done within 14 days of moving. Your address registration affects: Residence records Health insurance Resident tax Access to other certificates Without this update, many other ad...
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How to Register a Personal Seal in Japan

How to Register a Personal Seal in Japan (And Why It’s Still Useful) One of the more confusing administrative steps foreigners encounter in Japan is being told they need a “registered seal.” With digital signatures and online banking now common in many countries, this often raises questions: What is seal registration? Is it mandatory? Do I really need this? This article explains how personal seal registration works in Japan , what it is actually used for today, and whether it is worth doing. What Is a Personal Seal (Inkan)? A personal seal (印鑑 / inkan) is a physical stamp used in place of a handwritten signature. There are several types, but for administrative purposes the most important distinction is whether a seal is registered or not. What Does It Mean to Register a Seal? Seal registration means officially linking a specific seal to your identity at city hall. Once registered: The seal becomes your legally recognised stamp You can obtain a...
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What Happens If You Go to a Hospital in Japan Without Insurance

What Happens If You Go to a Hospital in Japan Without Insurance One of the most stressful questions newcomers ask is simple and frightening: “What happens if I need to go to a hospital in Japan before my health insurance is set up?” This situation is more common than people realise. It can happen in your first weeks after arrival, between jobs, or during an unexpected illness. This article explains what actually happens if you go to a hospital in Japan without insurance , how hospitals handle it, what it can cost, and what you should (and should not) worry about. First, the Short Answer You will not be refused care for being uninsured. Hospitals in Japan will treat you, but: You will be asked to pay 100% of the cost upfront The bill can be significantly higher than expected Some options may exist later, but they are limited Understanding this in advance makes a big difference. How Japan’s Health Insurance Normally Works (Briefly) Under Japan’s publi...
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Emergency Services in Japan: How to Call an Ambulance or Police and What Happens Next

Emergency Services in Japan: How to Call an Ambulance or Police and What Happens Next For many people living in or moving to Japan, emergency services are something they hope they will never need — and something they quietly worry they won’t understand if they do. Questions come up quickly: Which number do you call? Is English available? Will it cost money? What happens after you call? This article explains how emergency services actually work in Japan , what to expect when you call, and how to prepare calmly in advance. The Emergency Numbers in Japan Japan uses two main emergency numbers: 119 — Ambulance and fire 110 — Police These numbers work nationwide and are free to call from: Mobile phones Landlines Public phones You do not need a SIM card balance or credit. Calling an Ambulance in Japan (119) Calling 119 connects you to the local fire department, which also dispatches ambulances. Ambulances in Japan are public ser...
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Why Your Employer Handles Your Taxes in Japan

Why Your Employer Handles Your Taxes in Japan (Until They Don’t) One of the most reassuring things for new employees in Japan is being told that their employer “handles taxes for them.” In many cases, this is true — but only within clearly defined limits. When those limits are crossed, responsibility quietly shifts back to the individual, often without much explanation. This article explains how employer-handled taxes work in Japan , what is actually covered, and when you are suddenly expected to take over. The Basic Idea: Withholding at the Source For most full-time employees in Japan, income tax is withheld directly from salary. This system is known as withholding at the source , and it means: Your employer deducts income tax from each paycheck You receive your salary after tax You usually do not file a tax return yourself This setup creates the impression that taxes are fully “taken care of.” The Year-End Adjustment (年末調整) The key mechanism that mak...
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Why Japan Still Uses Paper Bills and Mail for Everything

Why Japan Still Uses Paper Bills and Mail for Everything One of the first surprises for many newcomers to Japan is how much important information still arrives by post. Utility bills, city hall notices, pension statements, insurance updates — even in a highly advanced country, physical mail remains central to daily administration. This often feels outdated, inefficient, or unnecessarily stressful. In reality, Japan’s reliance on paper mail follows a clear internal logic. This article explains why paper is still dominant , what it signals, and how to approach it without anxiety. The Expectation Gap for Newcomers Many people arrive in Japan expecting: Digital billing by default Email notifications for official matters Online portals replacing paper Instead, they find their mailbox filling up with envelopes — often formal, sometimes alarming, and rarely explained. The disconnect is not about technological ability. It is about how trust, responsibility, and proo...
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