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Finances

Credit Cards

There are many benefits to having a Japanese credit card. Please see below for pros and cons and how you can go about getting one. Pros Can make you eligible for additional discounts when getting a phone plan, internet, etc. Easy to make purchases online Earn points as you shop (point redemption systems depend on …

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Money Saving Tips

General Apartment Maintenance Taking care of what you have is cheaper and easier than buying new stuff!  Clean or replace filters so they run more efficiently (air-con, fans, fan heaters and vacuum)  Adjust temperature settings in the fridge depending on season  Turn off gas in the bathroom and kitchen when not in use. Heating/Cooling The …

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Taxes

Tax liability for JETs in their home countries is determined by their home country. It is your responsibility to take care of your own personal tax filing in a timely manner. The JET Programme General Information Handbook (GIH) and JET Programme website have information on tax issues as well as contact details for various countries’ tax agencies. …

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Sending Money Home

With extremely low interest rates in Japan, there may be little benefit to keeping your money in a Japanese account.  Some JETs also are trying to pay off loans and credit cards.  If you want to send money abroad this is a good start: Just remember that  service fees are charged by each institution that handles your …

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Currency Exchange

Most big banks can exchange yen into foreign currencies. US dollars are usually stocked on-site but if you want to buy more than what is currently available, you may have to place an order and wait a few days for it to be delivered from a larger branch. The same procedure is used for harder-to-find …

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Fukuoka Banks

The largest local bank in Fukuoka prefecture is Fukuoka Bank. It is used by many public organizations, so it is likely that you will open an account here. Another local bank is the Nishi-Nippon City Bank. The Post Office also provides banking services. There are also branches of major national banks including MTBC, SMBC, Mizuho and UFJ …

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Paying Bills

You can pay bills in different ways. An easy way to pay is to go to any convenience store. You can take your bill to the convenience store, where they scan the bar-code on the bill and accept your payment. Automatic withdrawal (自動講座) allows utility costs to be deducted automatically from your personal bank account. Most cell phone …

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