Can’t log in to MUFG Bank? MUFG Bank (三菱UFJ銀行, formerly Bank of Tokyo-Mitsubishi UFJ) is Japan’s largest bank with over 772 branches and 2,000 ATMs nationwide. The online banking portal is called MUFG Direct and is available at direct.bk.mufg.jp. Foreign residents face unique challenges: no English interface, OTP doesn’t work abroad, and you need 6+ months residency to open an account. This guide covers everything you need to know about logging in, managing your account, and surviving as a foreigner banking with MUFG.
Quick Access
How to Log In Online
Access your MUFG Direct account:
- Go to direct.bk.mufg.jp
- Enter your Contract Number (契約番号) – 8 digits
- Enter your IB Password
- Complete One-Time Password (OTP) verification
- Access your account dashboard
First time? You must register for MUFG Direct at a branch first. Online registration is not available for foreigners.
How to Log In via App
Use the 三菱UFJ銀行 app for mobile access:
- Download “三菱UFJ銀行” app (iOS 14+ / Android 5+)
- Open app and tap ログイン (Login)
- Enter Contract Number and IB Password
- Complete OTP verification
- Enable biometric login for future use
Note: The app is entirely in Japanese. Use browser translation for the web version instead.
Account Types
MUFG offers different account types:
- Ordinary Deposit: Standard savings account (普通預金)
- Term Deposit: Fixed-term savings with higher interest (定期預金)
- Foreign Currency: USD, EUR, and other currency accounts
For foreigners: 6+ months Japan residency required. Residence Card (在留カード) mandatory. Personal seal (hanko) needed at some branches.
⚠️ Troubleshooting: Known Issues & Common Problems
Can’t log in? Here are the most common login problems and how to fix them:
🔴 No English Interface: “No English option. Before they had at least the main page, but now all is in Japanese.” MUFG removed English support that previously existed, leaving foreign residents struggling to navigate banking tasks.
🔴 OTP Doesn’t Work Abroad: “The one-time password functionality doesn’t work when you are abroad – making it pretty useless if you’re an expat.” Critical issue for anyone traveling outside Japan or working remotely overseas.
⚠️ Privacy Concerns: Users report the app “makes a list of all installed apps on your device” and question whether this data is sent to servers. Phone permission is required for OTP, raising privacy red flags for security-conscious users.
⚠️ Service Disruptions: MUFG has experienced cyberattacks causing login difficulties and transaction delays. While no customer data was leaked in recent incidents, periodic service outages affect account access.
💡 Troubleshooting Tips
- Can’t log in: Verify 8-digit Contract Number is correct
- Abroad? OTP won’t work – complete all banking before traveling
- Forgot password: Must visit branch with ID – no online reset
- Account locked: Call 0120-543-555 (Japan) or +81-42-311-7000
- App crashes: Update to latest version, clear cache, reinstall
🔒 Security Tips
Keep your account safe and avoid fraud:
- Never share your Contract Number or IB Password
- Always log in via direct.bk.mufg.jp directly
- Report lost cards immediately: 0120-116-880 (24h)
- Enable biometric authentication in the app
- Beware of phishing – MUFG never asks for passwords via email
😤 What Customers Are Saying
MUFG Bank has a 1.7 star rating on Trustpilot with 25 reviews. The Android app has a 4.0 star rating with over 160,000 reviews (mostly from Japanese users). ComplaintsBoard shows a 1.3 star rating with only a 7% complaint resolution rate. Here are the most common issues:
🔴 Extremely Slow Service
“I’ve waited over 3.5 weeks for share sales when the standard timeframe should be 2 weeks.” Customers report substantial financial losses due to delays. Security codes are mailed with no digital alternative, adding more waiting time.
🔴 Language Barrier
“All is in Japanese now.” English support that previously existed has been removed entirely. Foreign residents must rely on browser translation or bring a Japanese speaker to branches. Even call centers offer limited English support.
⚠️ Poor Customer Support
“Customer service is useless.” Reviews cite 1+ week email response delays with generic responses, 1+ hour phone hold times, and staff who “don’t try to help or find a solution.” Inexperienced staff reportedly “do not know what they are doing.”
⚠️ Archaic Technology
“A clunky website that probably runs on software from the 70s.” Customers complain about outdated security measures requiring physical mail, administrative errors with banking details, and overall difficulty navigating the system.
✅ How to Protect Yourself
- Set up everything before leaving Japan – OTP won’t work abroad, so complete all banking tasks before traveling
- Use browser translation – Chrome or Safari’s built-in translation works on direct.bk.mufg.jp
- Keep a Japanese friend’s contact – You may need help at branches where no English is spoken
- Consider alternatives for international transfers – Wise or Revolut are often cheaper and easier
- Document everything – Screenshot transactions and save confirmation emails
🎌 Essential Guide for Foreigners in Japan
MUFG Bank is Japan’s largest bank, but it’s not the most foreigner-friendly option. Here’s what you need to know:
📋 Opening an Account
- Cannot open account online – Must visit branch in person
- 6+ months residency required – Under Japanese law
- Documents needed: Residence Card (在留カード), passport, proof of address
- Personal seal (hanko) – Required at some branches, others accept signature
- Tip: Bring a Japanese speaker to help at the branch
💴 Fees & Costs
- Outbound transfers (yen): ¥2,500
- Outbound transfers (foreign currency): ¥3,000 + 5% fee
- Incoming international transfers: ¥1,500 + 5%
- ATM fees (other bank): ¥110-330 depending on time
- Alternative: Wise or Revolut are cheaper for international transfers
⚠️ Before You Travel: If you’re planning to leave Japan, complete all important banking before departure. The OTP system doesn’t work abroad, preventing you from making transfers or accessing sensitive account features. Set up all automatic payments, scheduled transfers, and account changes while still in Japan.
📱 Mobile App Details
Android App
- App name: 三菱UFJ銀行
- Rating: 4.0/5 (160,000+ reviews)
- Requires: Android 5.0+
- Size: ~49 MB
- Downloads: 6.3 million
- Language: Japanese only
iOS App
- App name: 三菱UFJ銀行
- Requires: iOS 14.0+
- Features: Face ID, Touch ID support
- Language: Japanese only
- Also works on: visionOS 1.0+
App Features
- Balance inquiry
- Transaction history
- Transfers
- Tax/fee payments (Pay-easy)
- Term deposits
- Foreign currency deposits
- One-Time Password display
📞 Contact Customer Service
- Internet Banking Help: 0120-543-555
- From overseas: +81-42-311-7000
- General inquiries: 0120-860-777
- Lost/Stolen Cards (24h): 0120-116-880
- From overseas: +81-3-5637-0875
- Hours: 9:00 AM – 9:00 PM JST daily
⚠️ Language Note: Phone support is primarily in Japanese. For English support, call the COMSUITE helpdesk at +81-3-5750-7876 (24 hours, English and Japanese operators available). Or use the English branch locator to find a branch with English-speaking staff in major cities.
🏦 MUFG vs. Other Japanese Banks
Thinking about switching? Here’s how MUFG compares to other options for foreigners in Japan:
MUFG Bank
Pros: Largest ATM network (2,000+), 772 branches, widely accepted for salary deposits
Cons: No English, OTP doesn’t work abroad, 6+ months residency required, high international transfer fees
Shinsei Bank
Pros: Full English online banking, easy account opening, no minimum residency, free international ATM withdrawals
Cons: Fewer branches, limited ATM network, some employers don’t accept for salary
Sony Bank / Rakuten Bank
Pros: English support, competitive FX rates, online-first design, works well for international transfers
Cons: Online-only (no branches), may not be accepted by some employers for salary deposits
Frequently Asked Questions
How do I log in to MUFG Bank online banking?
Go to direct.bk.mufg.jp and enter your Contract Number (8-digit number) and IB Password. Complete the One-Time Password verification. The website is entirely in Japanese – use Chrome or Safari’s built-in translation feature to navigate.
Does MUFG Bank have English support?
No. The MUFG app and website are entirely in Japanese. English support that previously existed has been removed. For English phone support, call the COMSUITE helpdesk at +81-3-5750-7876 (24 hours). Some branches in Tokyo have English-speaking staff – use the branch locator at map.bk.mufg.jp/b/bk_mufg_en/ to find them.
Can foreigners open an MUFG Bank account online?
No. Since March 2020, foreigners cannot open accounts online. You must visit a branch in person with your Residence Card (在留カード) and have lived in Japan for at least 6 months. Some branches require a personal seal (hanko), while others accept signatures.
Why doesn’t my One-Time Password work abroad?
MUFG’s OTP system is designed to work only within Japan. If you travel abroad frequently, complete all important banking tasks before leaving. Consider using a different bank like Shinsei or Sony Bank for international access, or use Wise or Revolut for international transfers.
How do I reset my MUFG Bank password?
You cannot reset your password online without your current OTP. You must visit any MUFG branch in person with your ID (Residence Card or passport) to reset your credentials. Bring a Japanese speaker if possible, as staff may not speak English.
What is my MUFG Contract Number?
Your Contract Number (契約番号) is an 8-digit number assigned when you registered for MUFG Direct online banking. It is different from your account number. Check your registration documents, the card sleeve that came with your cash card, or call 0120-543-555 to retrieve it.
Can I use MUFG Bank while traveling outside Japan?
Very limited. You can view balances and transaction history, but the OTP function won’t work abroad, preventing transfers and sensitive operations. Plan all important transactions before traveling. The lost/stolen card hotline (+81-3-5637-0875) works internationally.
Why does the MUFG app request access to my phone number and installed apps?
MUFG collects phone numbers for security verification, especially on Android 10 and earlier. Users have raised privacy concerns about the app listing installed apps. The bank has not clearly explained why this data is collected. You can deny permissions, but OTP features may not work.
What should I do if my MUFG account is locked?
Call the Internet Banking Help Desk at 0120-543-555 (Japan) or +81-42-311-7000 (overseas). Hours are 9:00 AM – 9:00 PM JST daily. Be prepared to verify your identity with personal information. A branch visit may be required for account reactivation.
Is MUFG Bank safe to use?
MUFG is Japan’s largest bank and is generally secure. They have experienced some cyberattacks causing service disruptions, but no customer data has been leaked in recent incidents. Enable biometric authentication, never share your credentials, and report suspicious activity immediately to 0120-116-880.
Related Japanese Bank Guides
Other banks in Japan:
- Mizuho Bank – Japan’s second-largest megabank
- SMBC (Sumitomo Mitsui) – Third megabank with better English support
- Japan Post Bank – Nationwide postal bank with extensive ATM network
- Rakuten Bank – Online bank with English support
- Shinsei Bank – Best English support for foreigners
- Sony Bank – Online bank with competitive FX rates
Last Updated on February 11, 2026
URL: https://log-in.me/bankoftokyomitsubishi-tokyo-japan/