Mizuho Bank Mortgage in Japan - Learn How to Apply

Applying for a Mizuho Bank account in Japan is a straightforward process, offering three convenient options: through the mobile app, online, or in-person at a branch. 

Each method has its own set of eligibility criteria and application steps, ensuring that potential customers can choose the one that best suits their needs. 


This guide will provide a detailed overview of these options, helping you make an informed decision on how to open your account with ease.

Mizuho's History

Mizuho Bank's journey is a testament to its adaptability and vision. 

From its inception at the dawn of the new millennium to its current status as a digital pioneer, the bank has continually evolved to meet the changing needs of its customers and the global financial landscape


This history highlights key milestones in Mizuho Bank's development, showcasing its commitment to innovation, growth, and excellence in banking services.

1. Early Beginnings: The Foundation of Mizuho Bank (2000-2002)

In 2000, Mizuho Bank was established as a result of the merger between Dai-Ichi Kangyo Bank, Fuji Bank, and the Industrial Bank of Japan. 

This strategic move aimed to create a financial institution capable of competing on a global scale. 


The early years were marked by the integration of these distinct entities, with a focus on streamlining operations and leveraging their combined strengths.

2. Expansion and Growth: Strengthening Domestic and International Presence (2003-2010)

During this period, Mizuho Bank embarked on a mission to expand its domestic and international footprint

In 2003, it acquired a significant stake in UnionBanCal Corporation in the United States, signaling its intentions to grow beyond Japanese borders. 

The bank also focused on enhancing its product offerings, including the introduction of innovative mortgage solutions tailored to the needs of its diverse clientele.

3. Recent Developments: Embracing Digital Transformation (2011-Present)

In recent years, Mizuho Bank has embraced digital transformation to stay ahead in the competitive financial landscape. 

Recognizing the shift towards online banking, the bank has invested heavily in technology to improve its services and customer experience. 

In 2019, it launched a new digital platform, offering a more seamless and efficient way for customers to access mortgage and other banking services.

Why Should Consider Opening and Apply for Mizuho Bank Account?

Mizuho Bank, established in 2002, has continually evolved to meet the changing needs of its customers. 

Here are some reasons why opening an account with Mizuho Bank could be beneficial for you:

1. Mizuho Mileage Club: Rewarding Loyalty

Enjoy lifetime membership with no annual fee. Receive fee waivers based on transaction activity, including:

  • Mizuho Bank/Aeon Bank ATM fees after hours.
  • Convenience store (E-net) ATM fees after hours and up to 3 free uses per month.
  • Up to 3 free bank transfers to other banks per month.

2. Mizuho Direct App: Banking at Your Fingertips

Launched in 2011, the Mizuho Direct App allows for convenient banking transactions on your smartphone, making it easier to manage your finances on the go.

3. Functional Cash Cards: Tailored to Your Needs

Choose a cash card that suits your lifestyle:

  • Earn points with every use.
  • Opt for a cash card with a credit function for seamless transactions.
  • Select a cash card with a debit function for direct access to your account.

4. Mizuho Wallet and J-Coin Pay: Innovative Payment Solutions

Introduced in recent years, these apps offer convenient payment options:

  • Mizuho Wallet enables touch payments directly from your bank account.
  • J-Coin Pay, a QR code payment app, allows for free money transfers, enhancing your daily transaction experience.

3 Ways to Opening an Account With Mizuho Bank

To streamline your understanding of the process of opening an account with Mizuho Bank in Japan, let's break down the options into three distinct ways, focusing on the avenues available, their specific eligibility criteria, and the application processes involved.

1. Open an Account With the App

The advent of digital banking has revolutionized the way people interact with financial institutions. 

Mizuho Bank has embraced this change by offering an app-based account opening process, a convenient option that has been available since [insert year].


  • Japanese nationals with a driver's license or personal number card (address on the card must match current address)
  • Individuals 18 years or older

Application Process:

  1. Take a photo for identity verification
  2. Register customer information
  3. Complete book registration

This method offers the convenience of applying from home without the need to visit a branch.

The service is accessible 24/7, eliminating the need for mailing documents or using a personal seal.

2. Open an Account on the Internet

Online banking has been a game-changer in the financial industry. 

Mizuho Bank's internet-based account opening service has been helping customers, providing a seamless way to start banking without leaving home.


  • Residents of Japan with valid identification and a document showing their place of residence (addresses must match)
  • If applying through a representative (e.g., parent), different identification documents are required

Application Process:

  1. Enter the required information online
  2. Prepare and mail the application form

Note: For applications made by representatives (e.g., individuals with parental authority), different identity verification documents may be required.

3. Open an Account at a Store

Traditional in-person banking remains a vital part of Mizuho Bank's services.

The bank has offered account opening services at its branches, catering to customers who prefer face-to-face interactions.


  • Residents of Japan with one or two identification documents featuring a photo
  • If applying through a representative (e.g., parent), different identification documents are required

Application Process:

  1. Make a reservation to visit the branch, if desired, to avoid waiting
  2. Visit the store and complete the application process in person

Note: Similar to online applications, if the process is undertaken by a representative (such as a parent), the identification requirements may vary.

Contact Information for Mizuho Direct Help Desk:

  • Toll-Free Number (within Japan): 0120-3242-99
  • For International Calls: +81-3-3211-9324

Interest Rates and Fees for Mizuho Bank's Products

When applying for Mizuho Bank Mortgage, consider these interest rates:

Yen Deposit Interest Rate (2013-2037)

Interest rates for yen deposits are shown as an annual percentage before tax.

Interest is subject to a 20% tax, and from January 1, 2013, to December 31, 2037, it will also be subject to a special reconstruction income tax of 20.315%.

Foreign Currency Deposit Interest Rate

Foreign currency deposits come with certain risks, including the potential loss of principal due to exchange rate fluctuations and exchange fees.

Notes on Loan Interest Rate:

  • Interest rates for loans are expressed as an annual rate.
  • The interest rate applied to your loan will be the rate on the day you actually borrow, which may differ from the rate at the time of application.
  • For Mizuho Bank card loans, the interest rate applied to the borrowed amount will be the rate on the day of the loan balance, not the rate on the borrowing date.
  • Depending on interest rate trends, the loan interest rate may be reviewed during the month.
  • For customers who have already taken out a loan with Mizuho Bank, the applicable interest rate may differ depending on the loan details.


In conclusion, opening a Mizuho Bank account in Japan is accessible through various methods, catering to diverse preferences. 

Whether you opt for the mobile app, online platform, or a visit to a branch, each route is designed to provide a seamless experience. 

It's important to review the eligibility criteria and prepare the necessary documents beforehand to ensure a smooth application process.


This information is provided for general guidance only

Please consult the official Mizuho Bank website or contact their customer service for the most accurate and up-to-date details regarding account opening procedures.

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