Rated 'EXCELLENT' by Users

Prepaid Japanese Payment Card

A payment card that makes life in Japan easier

¥2,970 ¥440 set-up fee



¥385 ¥275 per month

Apply for MobalPay today and get one month free!

mobalpay card
mobalpay card
mobalpay customers
💳

A real payment card for use in Japan powered by Mastercard

If you have a Japanese Residence Card, you will be accepted*

💴

You can use it for shopping in-store or online

👨‍💼

Customer support from native English-speakers

❤️

The majority of profits go to charity

*subject to ID & fraud checks

💳

A real payment card for use in Japan powered by Mastercard


If you have a Japanese Residence Card, you will be accepted*

💴

You can use it for shopping in-store or online

👨‍💼

Customer support from native English-speakers

❤️

The majority of profits go to charity

*We have to check your ID and make sure there's no fraud before approving

mobalpay customers

Apply For Your MobalPay Card

Prepaid Japanese Payment Card

MobalPay Card

¥2,970

¥440

set-up fee

(tax included)

¥385

¥275

monthly fee

1st Month FREE!

Apply now and pay nothing until your ID is approved!

You'll get your MobalPay card within just a few days. There are no charges for the first month! After that, it's just ¥385 each month.

MobalPay

The no-hassle Japan payment card

japan payment solution

MobalPay is a real Prepaid Japanese Payment Card that's designed by people from other countries who've moved to Japan, just like you. You can use it for buying things in stores or online. Plus, you can add money to your card using cash at convenience stores and ATMs throughout Japan, without needing a bank account. You also get great customer service in English, and the trusted security of a real Mastercard issued in Japan.

japan payment solution

What is a prepaid card?

A prepaid card is the easiest card there is. You put money on it before you use it, and then you can pay for things online or in shops. You can only spend what you've added to the card, which makes it easy to manage your money.

Why choose MobalPay?

With MobalPay, you can shop online or in stores just like with any prepaid card. It comes with Chip & PIN for secure payments anywhere, and 3DS verification for safe online shopping.

★ ★ ★ ★ ★
Having MobalPay allowed me to immediately start ordering on Amazon!

D. Wong, USA or Gifu Prefecture
Feb 2024

★ ★ ★ ★ ★
Mobal saves me again When we moved to Japan, our house was in an area that wasn't walkable to trains or buses, so we wanted to order things online and have things delivered. Of course, I could use my overseas credit card, but I wanted to pay in the Japanese yen I was now earning. Mobal Pay allowed me to do that!

F Schlege
01 Feb 2024

★ ★ ★ ★ ★
As a person who travels a lot, I chose Mobalpay as I can top it up in Yen from my US Wise Account, which gives me access to my overseas earnings while in Japan but also allows me have a Japanese payment card when travelling outside of Japan.

(M. Ortiz, Fukuoka or USA)
Feb 2024

Is MobalPay right for you?

Uncertain if MobalPay is the perfect fit for you? Explore our table below, browse through our FAQs, and feel free to reach out with any questions by sending us a message.

(tax included)

MobalPay Card

Set-up Fee

¥2,970

¥440

Monthly Fee

¥385

¥275

MobalPay Card

FREE

English Support

green tick

In-store Use

green tick

Online Use

green tick

3D Secure

green tick

Top-up (ATM)

green tick

Top-up (convenience stores)

green tick

ATM Withdrawals

red cross

Balance Limit

¥500,000

Member Rewards

green tick
Applying & Setup

Simple online application - you don't need to know Japanese!

easy application

Getting a MobalPay card is simple. Just fill in an easy form and upload a photo of your Japan Residence Card or Japanese Driver's License. Everything is in English, and it takes less than 5 minutes!

easy application

If you have a Residence Card, you can get MobalPay

We don't ask for a minimum time of living in Japan (unlike traditional banks), and we don't check your credit history. You will definitely be accepted as long as you have a valid Residence Card, and your ID is verified securely by us.

★ ★ ★ ★ ★
After the easy sign up process, I've been using MobalPay to help with my budgeting and with setting up Japanese online shopping accounts. It's a great relief to have all the support and information about my account in English. I highly recommend it if you're looking for a way to manage your finances & do online shopping while in Japan.

J. Mackiewicz, Poland or Tokyo
Feb 2024

Start using MobalPay in just 3 days!

After you apply and share your ID with us, we will quickly review your details. Once your ID has been checked, we'll email you about the set-up fee. You can pay this fee in cash at a nearby convenience store. Then, we'll send your MobalPay card to your address in Japan using next-day delivery. If you apply in the morning, you might get everything done on the same day!

We'll have your account ready within two days after sending the card. Then, you can activate your card, add money to it, and begin using it!

★ ★ ★ ★ ★
After the easy sign up process, I've been using MobalPay to help with my budgeting and with setting up Japanese online shopping accounts. It's a great relief to have all the support and information about my account in English. I highly recommend it if you're looking for a way to manage your finances & do online shopping while in Japan.

J. Mackiewicz, Poland or Tokyo Feb 2024

How MobalPay Works

Apply and start using MobalPay in 5 steps - it really is that easy!

step 1

You apply for MobalPay

Fill out our easy form and upload a photo of your ID.

step 2

We check your ID

We make sure the ID you uploaded meets our safety checks.

step 3

You pay your setup fee

Once we've checked your ID is okay, we send you an email with a barcode to pay your setup fee of ¥2,970 ¥440 at convenience stores in Japan using cash.

step 4

We send your card

Right after we confirm your setup fee payment, we send your new MobalPay card to your address in Japan.

step 5

You add money to your card

Since MobalPay is a prepaid card, you need to put money on it before using it. You can easily add funds at convenience stores and ATMs throughout Japan.

That's it!

You're ready to start spending!

Start using your MobalPay card in-store and online at major stores!

Using MobalPay

Use Your MobalPay Card Anywhere, Safely and Securely

Your MobalPay card works just like any other prepaid card. You can use it for buying things online and in stores. It comes with Chip & PIN technology for secure shopping everywhere. And for online shopping, it has 3DS verification to protect you.

shopping with mobalpay

Support in English

We promise you'll always have access to friendly and easy support in English whenever you need help!

Adding Money Is Simple

We promise you'll always have access to friendly and easy support in English whenever you need help!

Shop Online and In Stores

MobalPay offers you a payment card that works for both in-store and online shopping, and for many subscriptions too!

Where can I use it?

You can use your MobalPay card for all sorts of things. Our customers are using their cards to pay for their Mobal service, as well as goods, services and subscriptions like:

green tickMobile Suica

green tickPayPay

green tickWise

green tickRakuten Pay

green tickMobile Pasmo

green tickAUPay

And many more!

green tickAmazon

green tickBooking.com

green tickUniqlo

green tickSHEIN

green tickMercari

green tickIKEA

green tickTemu

green tickCostco

And many more!

green tick7-Eleven

green tickFamily Mart

green tickAeon

green tickGyomu Super

green tickLawson

green tickMyBasket

green tickKasumi

green tickDaiso

And many more!

green tickNetflix

green tickGoogle Play

green tickYouTube

green tickDisney+

green tickiOS App Store

green tickAmazon Prime

green tickSpotify

green tickSteam

And many more!

green tickKFC

green tickStarbucks

green tickWolt

green tickMcDonald's

green tickBurger King

green tickDomino's

And many more!

★ ★ ★ ★ ★
Mobalpay has helped me to truly live like a resident of Japan, with access to all of the platforms and conveniences someone with a Japan-issued payment card would have. Getting set up was seamless, as is topping up and making payments in stores or online. It's one of the most heavily used cards in my wallet!

Hanna. L, Hiroshima
Feb 2024

Apply For Your MobalPay Card

Prepaid Japanese Payment Card

MobalPay Card

¥2,970

¥440

set-up fee

(tax included)

¥385

¥275

monthly fee

1st Month FREE!

Apply now and pay nothing until your ID is approved!

You'll get your MobalPay card within just a few days. There are no charges for the first month! After that, it's just ¥385 each month.

Why Is There a Monthly Fee? Our Commitment to Charity

mobal charity

MobalPay, just like our sister brand Mobal, is built on the idea that businesses should help make the world a better place. The monthly fees we charge are used to support our charity projects. You can learn more about our charity work here. Mobal has been helping expats in Japan for more than 30 years. Find out more at mobal.com

mobal charity

★ ★ ★ ★ ★
I chose Mobalpay as it was very hassle-free for their application for foreigners living in Japan and will to continue to use it because they donate profits to charity.

Gigi A. Tokyo or Philippines
Feb 2024

Registered in Japan

We are a company registered in Japan authorized by Kanto Finance Bureau to issue Prepaid Payment Instruments via the Payment Services Act.

Secure Online Account

We have added two-factor authentication (2FA) to your online account for extra security, giving you more confidence in its safety.

MobalPay Online Account

Your MobalPay Account

When you fill out our application form, we'll create your online account. You'll have complete control over your MobalPay card, managing everything easily online.

mobalpay account mobalpay account

Stay safe with 2FA

Keeping your online account safe is our top priority. That's why we use two-factor authentication (2FA). This means that to log in, you'll need your password and a verification code, making sure only you can access your account. We're committed to protecting your privacy and security.

Add money to your card easily

Adding money to your MobalPay card is simple. Just choose the amount of money you want to add in your account, and go to any convenience store to top up your card with cash.

Monitor your spending online

With MobalPay, it's easy to watch your spending, especially helpful as you adjust to your new home. You can view all your transactions in your account, even translating Japanese merchant names into English with just a click.

account balance

Report lost or stolen cards quickly

If your card is lost or stolen, you can report it through your online account immediately. This will lock your card to prevent anyone else from using it until you find it or replace it.

Enjoy special rewards and discounts

As a MobalPay user, you get special rewards and discounts just for you.

★ ★ ★ ★ ★
As a foreigner living in Japan I value being able to get a Mobalpay payment card quickly. Being able to load money onto the card in a variety of ways that are easily accessible to me is a second appreciated feature. Thirdly I enjoy being able to login to the Mobalpay website and being able to track and see my card input/output.

R. Ama Mizu
16 Feb 2024

Mobal FAQs

Many foreign-issued cards are often not accepted in Japanese stores or on Japanese websites. Even on the rare occasion they are accepted, they often incur hefty fees.

Your MobalPay card is different. It’s a real, Japanese-issued Mastercard, so there are very few limitations. You can use it almost anywhere a Japanese Mastercard would be accepted. As it’s a prepaid card and not a bank account or cash card, you can’t get your salary paid into your MobalPay account or use your MobalPay card to withdraw cash from an ATM, but you can otherwise use it just like you’d use your own Mastercard back home.

As MobalPay is a prepaid card and not a bank account or cash card, you can’t get your salary paid into your MobalPay account, or use your MobalPay card to withdraw cash from an ATM, but you can otherwise use it just like you’d use your own Mastercard back home.

That’s the million ¥ question. For a country that’s known all over the world for its tech innovations, many new expats are shocked when they discover how reliant Japan is on paper-based bureaucracy and old-fashioned methods of communication. That makes getting any kind of banking set up when you first arrive a real headache. As for why it has to be so difficult? We can’t answer that, but it’s why we invented MobalPay.

No! As we don’t have the minimum residency requirements that traditional Japanese banks often do, and we don’t need to see your credit history, you’re guaranteed to be accepted as long as your ID is accepted by our secure verification system.

If your ID is approved by our secure system, you’ll hear from us within one business day. You’ll then be able to top-up your MobalPay account for the first time, which allows us to send your card straight to you.

The quickest and easiest way to top up your MobalPay balance is by using cash at convenience stores all over Japan. You can also use cash at ATMs in Japanese banks, and if you also have a Japanese bank account, you can use a bank-book or cash card at an ATM, or make an online bank transfer. You can find detailed instructions for each of these at our Support Site.

The balance limit of your MobalPay account is ¥500,000 – more than enough for the vast majority of online transactions!

If there aren't enough funds to take the full monthly fee, then the fee isn't taken – we will instead take it when you next top-up.

You can continue to use up your remaining balance while there's an outstanding monthly fee payment. 

If there's an outstanding monthly fee, we won't bill another one – we will put your monthly fee billing on hold. This means you could leave your account with a very small or zero balance for months and there would be no cost.

Reviews
★ ★ ★ ★ ★
Easy sign up process

After the easy sign up process, I've been using MobalPay to help with my budgeting and with setting up Japanese online shopping accounts. It's a great relief to have all the support and information about my account in English. I highly recommend it if you're looking for a way to manage your finances & do online shopping while in Japan.

★ ★ ★ ★ ★
Highly Recommended

Mobal Pay is relatively new in the Japanese market, but it has proven its trustworthiness, reliability, and credibility. Concerns addressed to the customer service team are answered in a timely manner. The language is courteous and the explanation, clear.

★ ★ ★ ★ ★
It a very easy process to apply

It a very easy process to apply. I will definitely introduce my friends. The application process is so simple to fill out.

★ ★ ★ ★ ★
Thumbs up!

The application process, thus far, has been seamless. Form was short and ID upload process easy.

★ ★ ★ ★ ★
I can top it up in Yen from my US Wise Account

As a person who travels a lot, I chose Mobalpay as I can top it up in Yen from my US Wise Account, which gives me access to my overseas earnings while in Japan but also allows me have a Japanese payment card when travelling outside of Japan.

★ ★ ★ ★ ★
Able to order online!

Having MobalPay allowed me to immediately start ordering on Amazon!

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