Banking a crypto or Web3 business in Japan is selective and tied to regulation. Only firms registered with the Financial Services Agency as a crypto asset exchange service provider may serve customers in Japan, and a registered firm normally needs a company incorporated in Japan, resident directors, a physical office, and a Japanese bank account. Banks assess these businesses case by case, and international payment providers commonly restrict crypto activity.
Suits Crypto and Web3 best
Depends on activity and registration. A registered exchange uses a Japanese bank that accepts the relationship
Acceptance
Selective and case by case. Many banks and providers restrict crypto exchange activity
Regulatory position
FSA registration is required to serve customers in Japan; rules are tightening in 2026
Charged in
Japanese yen (JPY)
Fees and features as of 9 April 2026Last reviewed 9 April 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
In Japan, a business that buys, sells, or holds crypto assets for customers must register with the Financial Services Agency as a crypto asset exchange service provider, and only registered firms may serve Japanese customers. A registered firm normally needs a company incorporated in Japan, resident directors, a physical office, and a Japanese bank account, and banks assess the relationship case by case. International payment providers such as Wise commonly restrict crypto exchange activity, so a domestic banking relationship is usually the realistic route. Information as of 9 April 2026, not advice.
What crypto and web3 in Japan need from a business account
Crypto and Web3 businesses in Japan operate inside a strict regime. The Payment Services Act governs crypto asset exchange service providers, registration with the Financial Services Agency is mandatory to serve customers, and oversight is tightening, with measures planned in 2026 around customer protection and disclosure. For banking this means a registered company incorporated in Japan, resident directors, a physical office, and a bank willing to accept a crypto linked relationship. Acceptance is case by case, due diligence is heavy, and a firm that only holds tokens for its own treasury still faces enhanced checks. Confirm your exact activity and registration status with any bank before relying on an account.
G
GMO Aozora Net Bank
Online bank within a group that is active in digital finance. Some fintech and digital asset firms bank here, but acceptance of crypto activity is case by case.
Megabank with the scale to support a regulated digital asset business, though crypto linked relationships are assessed individually and many applications are declined.
As of 9 April 2026, we do not list an international business account that is confirmed to accept crypto asset exchange activity in Japan, so we do not show a compare module here. Providers such as Wise commonly restrict crypto activity. A registered firm opens a banking relationship with a Japanese bank that accepts the relationship after due diligence, and FSA registration is required to serve customers in Japan. See the related guides below for markets and topics where listed providers are available.
Questions about banking for crypto and web3 in Japan
Can a crypto business open a bank account in Japan?
Only a firm registered with the Financial Services Agency as a crypto asset exchange service provider may serve Japanese customers, and it normally needs a company incorporated in Japan, resident directors, a physical office, and a bank willing to accept the relationship. Acceptance is case by case. Treat this as unclear and verify with the bank, as of 9 April 2026.
Do international payment providers serve crypto businesses in Japan?
Generally no for crypto exchange activity. Providers such as Wise commonly restrict crypto trading and exchange businesses, so a domestic banking relationship is usually the realistic route. Confirm the current position with each provider, as of 9 April 2026.
What regulation applies to crypto businesses in Japan?
Crypto asset exchange service providers are regulated under the Payment Services Act and must register with the Financial Services Agency. Oversight is tightening, with measures planned in 2026 on customer protection and disclosure. Confirm the current rules with a qualified adviser, as of 9 April 2026.
Is acceptance the same at every bank?
No. Each bank sets its own risk appetite and assesses crypto linked relationships individually, so one bank may accept a registered firm that another declines. Confirm your exact activity and registration status with the bank, as of 9 April 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 9 April 2026. Confirm current terms with the provider before applying.