Managing your money in Japan has never been easier, thanks to a wide range of financial apps tailored for both locals and foreigners.
From budgeting and banking to payments and investments, these tools help you stay organized and make smarter decisions with your finances.
In this guide, you’ll discover the top financial apps in Japan that can simplify how you save, spend, and invest.
Budgeting & Expense Tracking Apps
Managing your daily expenses is the first step to improving your financial health.
These budgeting apps in Japan help you track spending, categorize expenses, and stay on top of your money with minimal effort.
Zaim
Zaim is a popular Japanese budgeting app that enables you to manage your household finances with ease.
Features:
- Scan receipts for automatic entry
- Categorize spending into categories such as food, utilities, transportation, etc.
- Supports Japanese bank and e-money account linking
- Visual spending reports and graphs
- Available only in Japanese
Moneytree
Moneytree is a multilingual app ideal for tracking income, expenses, and net worth.
Features:
- Supports English and Japanese
- Syncs with banks, credit cards, and point cards
- Breaks down expenses by category and merchant
- Offers net worth and cash flow visualization
- Trusted by both individuals and businesses
OsidOri
OsidOri is designed for couples and families to manage shared finances together.
Features:
- Create joint budgets and savings goals
- Split bills and assign categories
- Track who paid what in shared expenses
- Share access with family members or partners
- Available in Japanese with a clean interface
Mobile Banking Apps
Mobile banking apps in Japan enable you to check balances, transfer money, and manage your cards from your phone.
Here are some of the top mobile banking apps used across the country:
Features:
Yucho Bank App (Japan Post Bank)
The Yucho Bank App provides basic banking features for Japan Post Bank users in a secure and straightforward interface.
- Check account balances and transaction history
- Make domestic transfers (furikomi)
- Locate nearby ATMs
- Supports passcode and biometric login
- Available in Japanese only
MUFG Mobile App
The MUFG Mobile App provides a comprehensive suite of banking services for Mitsubishi UFJ Bank customers.
Features:
- View balances and recent transactions
- Make domestic transfers and schedule payments
- Manage credit cards and savings accounts
- Biometric authentication for secure login
- Available in Japanese
SMBC App (Sumitomo Mitsui Banking Corporation)
SMBC’s mobile app is a reliable tool for managing personal and business finances on the go.
Features:
- Real-time balance and transaction updates
- Domestic transfers and utility bill payments
- Credit card and loan account integration
- Personalized spending summaries
- Japanese interface with limited English support
Mizuho Bank App
Mizuho Bank’s app offers seamless access to everyday banking functions with a user-friendly interface.
Features:
- View account details and history
- Make domestic fund transfers
- Manage debit and credit card info
- ATM locator and support chat
- Japanese language only
Sony Bank WALLET App
The Sony Bank WALLET App is ideal for users who travel or make purchases in multiple currencies.
Features:
- Multicurrency account support (JPY, USD, EUR, etc.)
- Real-time spending alerts
- Debit card management and settings
- Helpful for international online shopping
- English version available
Investment & Savings Apps
To grow your money or save smarter in Japan, these apps offer simple tools for investing in stocks and funds, as well as utilizing robo-advisors.
LINE Securities
LINE Securities is an investment app integrated with the LINE messaging platform, making it easy to start trading in Japan.
Features:
- Buy and sell Japanese stocks directly from the LINE app
- Beginner-friendly interface with simple trading options
- Offers market news and investment insights
- Small investment amounts are accepted
- Only available in Japanese
Rakuten Securities
Rakuten Securities is a full-featured platform ideal for managing NISA accounts and long-term investments.
Features:
- Trade stocks, mutual funds, ETFs, and iDeCo/NISA accounts
- Link with the Rakuten ecosystem for point-based investing
- Extensive market data and research tools
- Web and app access in Japanese
- Ideal for Rakuten users and experienced investors
WealthNavi
WealthNavi is a robo-advisor app designed for hands-off investing and portfolio management.
Features:
- Automatic investment in global ETFs based on your risk profile
- Supports NISA accounts for tax-free investing
- Tracks asset allocation and rebalancing
- Clean, user-friendly app interface
- English support available
Digital Wallet & Payment Apps
Cashless payments are now widely accepted across Japan, and digital wallet apps make everyday purchases faster and more convenient.
These apps let you pay by QR code, earn rewards, and manage your spending directly from your smartphone.
Apple Pay Japan
Apple Pay Japan is a contactless payment service that works seamlessly with iPhones and Apple Watches, enabling fast and secure transactions.
Features:
- Supports Suica, PASMO, and major credit/debit cards
- Used for shopping, dining, and public transportation
- Offers Face ID or Touch ID security
- Compatible with iPhones and Apple Watches
- Interface available in English and Japanese
Rakuten Pay
Rakuten Pay allows users to shop cashless while earning Rakuten Points with every purchase.
Features:
- Use at convenience stores, restaurants, and online shops
- Earn and spend Rakuten Points
- Link to Rakuten Card or bank account
- Secure with a PIN or biometric login
- Best for existing Rakuten ecosystem users
d-Barai
d-Barai is NTT Docomo’s payment app that works with d Points and offers broad retail coverage.
Features:
- QR code payments at convenience stores, drugstores, etc.
- Earn and redeem d Points automatically
- View spending and manage point campaigns
- Works for Docomo users and non-users
- Available only in Japanese
au PAY
au PAY is KDDI’s digital wallet service that rewards users with Ponta Points.
Features:
- Accepted at thousands of retail locations nationwide
- Link with an AU PAY card or bank account
- Real-time payment notifications
- Redeem Ponta Points directly through the app
- Useful for KDDI (au) subscribers
Credit & Point Management Apps
In Japan, many credit cards and payment systems are linked with point programs.
These apps help you track your points, monitor card usage, and redeem rewards efficiently—all from your phone.
T-Point App
The T-Point App allows you to manage and redeem T-Points at partner stores throughout Japan.
Features:
- Check your T-Point balance and transaction history
- Redeem points at Tsutaya, FamilyMart, and more
- View campaign offers and point expiration dates
- Link with Yahoo! Japan and SoftBank services
- Japanese interface only
d Point Club App
d Point Club App is the official app for managing d Points from NTT Docomo and affiliated stores.
Features:
- Track earned and used d Points in real time
- Access exclusive coupons and point promotions
- Use points for shopping and bill discounts
- Check membership status and point rank
- The app available only in Japanese
Rakuten Point Club
Rakuten Point Club helps you manage points across all Rakuten services, from shopping to investing.
Features:
- View total points and expiration schedule
- Redeem points on Rakuten Ichiba, travel, or Rakuten Securities
- Access campaign info and special point multipliers
- Linked with Rakuten Pay and Rakuten Card
- App available in Japanese with limited English support
To Wrap Up
Managing your money in Japan is easier with the right apps at your fingertips.
From budgeting and banking to payments and point tracking, each app serves a specific need to help you stay in control.
Start using one today and take a more innovative approach to your finances.
