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A1 noun #2,500 پرکاربردترین 13 دقیقه مطالعه

口座

kouza
تمرین کن مثال‌ها نکات و راهنمایی‌ها 口座 در ۳۰ ثانیه
توضیح 口座 in your Level:
At the A1 level, learners are introduced to the word 'kouza' (口座) as a fundamental survival vocabulary item necessary for living in Japan. The primary goal at this stage is basic recognition and the ability to express simple needs. Learners will encounter this word almost immediately upon arriving in Japan, as opening a bank account is one of the first administrative tasks required for residents. At this level, students should focus on memorizing the word and its direct translation: 'bank account'. They need to be able to recognize the kanji 口座 on signs in banks, on ATM screens, and on basic forms. The most critical phrase to master is 'Kouza o hirakitai desu' (口座を開きたいです), which means 'I want to open an account.' This simple sentence is enough to initiate the process at a bank branch. Additionally, learners should be able to understand simple questions from bank staff or employers, such as 'Kouza wa arimasu ka?' (Do you have an account?). They will also learn to associate 'kouza' with related basic vocabulary like 'ginko' (bank), 'okane' (money), and 'kyasshu kaado' (cash card). Grammar at this level is kept to simple polite forms (desu/masu). The focus is entirely on practical, immediate utility. A1 learners do not need to understand the complexities of different account types or financial terminology; they simply need to know that 'kouza' is the place where their money lives and the word they must use to get one. Mastery of this word at A1 provides a crucial stepping stone for financial independence in Japan.
At the A2 level, the understanding and usage of 'kouza' expand from basic recognition to active participation in routine daily transactions. Learners are now expected to use the word in practical sentences related to their everyday life, such as receiving their salary, paying rent, and managing utility bills. The vocabulary network around 'kouza' grows to include essential verbs like 'furikomu' (to transfer), 'hikiotosu' (to automatically deduct), and 'kakunin suru' (to check/confirm). An A2 learner should be comfortable saying sentences like 'Kyuryo wa kono kouza ni furikomaremasu' (My salary is transferred to this account) or 'Kouza no zandaka o kakunin shimasu' (I will check my account balance). They will also encounter the term 'kouza bangou' (account number) frequently, especially when filling out forms for the workplace or setting up online shopping payments. At this stage, learners should be able to navigate an ATM menu in Japanese with some confidence, recognizing buttons that say 'Kouza shoukai' (Account inquiry). Furthermore, they begin to understand the concept of 'kouza furikae' (automatic direct debit), which is vital for paying monthly bills like electricity and mobile phones. The grammar used involves more complex sentence structures, including the te-form for sequences of actions and basic passive forms (e.g., furikomaremasu). The focus at A2 is on achieving functional independence in managing personal finances, ensuring that the learner can handle standard, recurring financial tasks without needing constant translation assistance.
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At the B1 level, learners transition from routine transactions to handling more complex situations and solving problems related to their 'kouza'. They are expected to communicate effectively with bank staff to resolve issues, ask for explanations, and manage changes in their personal circumstances. A B1 learner should be able to explain that they have lost their cash card and need to freeze their account: 'Kaado o nakushita node, kouza o teishi shite kudasai' (I lost my card, so please freeze my account). They also need to navigate administrative changes, such as updating their registered address or changing their name on the account: 'Hikkoshita node, kouza no jusho henkou o shitai desu' (I moved, so I want to change the address on my account). At this level, learners begin to differentiate between types of accounts, understanding the difference between a 'futsuu kouza' (ordinary account) and a 'teiki yokin kouza' (fixed deposit account). They can read and understand basic bank statements and notices sent by mail. The vocabulary expands to include terms like 'tesuryo' (fees), 'meigi' (account holder name), and 'kaiyaku' (cancellation). Grammar involves conditional clauses (e.g., 'If I close this account, what happens to the automatic payments?'), giving reasons, and using more polite keigo (honorific language) when speaking to bank tellers. B1 learners can handle the unexpected, ensuring their financial life in Japan remains stable even when administrative hurdles arise.
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At the B2 level, the usage of 'kouza' enters professional, business, and more advanced personal finance contexts. Learners are expected to understand detailed financial discussions, read complex banking terms and conditions, and use appropriate business Japanese when discussing accounts. In a workplace setting, a B2 learner might be responsible for handling corporate accounts, understanding terms like 'houjin kouza' (corporate account) and 'touza kouza' (current account used for checks/promissory notes). They can discuss financial procedures with colleagues or clients, such as saying, 'Seikyusho no kingaku o shitei no kouza ni ofurikomi kudasai' (Please transfer the invoice amount to the designated account). For personal finance, B2 learners can navigate online banking interfaces entirely in Japanese, setting up recurring transfers, applying for credit cards linked to their kouza, and understanding security protocols like two-factor authentication. They can comprehend news articles or informational brochures about changes in banking regulations, interest rates, or new financial products. The vocabulary includes advanced terms like 'yushi' (loan), 'shinsa' (screening/examination), and 'gensen choshu' (withholding tax). Grammatically, learners at this level are comfortable using formal written Japanese (kango) and advanced keigo (sonkeigo and kenjougo) necessary for formal business correspondence regarding financial matters. They can articulate complex financial needs and understand nuanced explanations from financial advisors or bank managers.
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At the C1 level, learners possess a near-native command of the term 'kouza' and its associated financial ecosystem. They can engage in sophisticated discussions about economics, investment strategies, and financial planning. A C1 learner understands the specialized accounts used for investments, such as 'shouken kouza' (securities account) for trading stocks, or 'NISA kouza' (tax-exempt investment account). They can read and fully comprehend detailed financial contracts, terms of service, and legal disclaimers associated with opening and maintaining these complex accounts. In a professional context, they can negotiate banking terms for a business, discuss corporate finance strategies involving multiple accounts, and understand the implications of international wire transfers, including exchange rates and intermediary bank fees. They are comfortable with highly specialized vocabulary such as 'shisan unyou' (asset management), 'toushi shintaku' (investment trusts), and 'kessai' (settlement). The language used is highly formal, precise, and nuanced. C1 learners can easily follow financial news broadcasts on NHK or read articles in the Nikkei Shimbun that discuss macroeconomic trends affecting bank accounts and interest rates. They can express complex opinions on the digitalization of banking, the transition away from physical passbooks, and the security implications of modern financial technology, using sophisticated grammatical structures and a wide range of idiomatic expressions.
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At the C2 level, the understanding of 'kouza' is absolute, encompassing not only practical and professional usage but also legal, academic, and historical contexts. A C2 learner can analyze the legal frameworks governing financial accounts in Japan, such as the laws preventing money laundering (e.g., the Act on Prevention of Transfer of Criminal Proceeds) and how they dictate the strict identity verification processes for opening a kouza. They can read academic papers on economics or finance that discuss the role of household deposit accounts in the broader Japanese economy. In a highly specialized professional setting, such as corporate law or high-level finance, they can draft legal documents, contracts, or corporate bylaws that specify the handling of corporate accounts, capital injections, and fiduciary duties. They understand the historical evolution of the Japanese banking system, from the post-war postal savings system to the modern era of mega-banks and fintech. The vocabulary at this level includes obscure or highly technical legal and financial jargon. The learner can effortlessly switch between registers, using the most appropriate level of extreme formality (saikou keigo) when dealing with VIP clients or government regulators, and highly technical language when discussing the backend infrastructure of inter-bank account settlement systems. At C2, the word 'kouza' is fully integrated into a comprehensive mastery of the Japanese language and its socio-economic landscape.
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تمرین کن مثال‌ها نکات و راهنمایی‌ها

口座 در ۳۰ ثانیه

  • A formal bank account used for daily financial transactions.
  • Essential for receiving salaries and paying rent in Japan.
  • Often requires a personal seal (hanko) to open.
  • Distinct from 'yokin' (the actual money deposited inside).
The Japanese word 'kouza' (口座) fundamentally refers to a bank account or a financial record used to manage deposits, withdrawals, and transfers. In the context of everyday life in Japan, understanding and utilizing a kouza is absolutely essential for anyone planning to live, work, or study in the country for an extended period. The word itself is composed of two kanji characters: 'kou' (口), which means mouth or opening, and 'za' (座), which means seat or position. Together, they conceptually represent a designated 'seat' or 'opening' for your financial assets within a banking institution. When you open a kouza, you are establishing a formal relationship with a bank, allowing you to securely store your money and conduct various financial transactions.
Futsuu Kouza (普通口座)
This is the standard ordinary bank account used by most individuals for daily transactions, receiving salaries, and paying bills.
In Japan, the banking system is highly structured, and the kouza serves as the central hub for your economic activity. Unlike some countries where cash is rarely used, Japan has traditionally been a cash-based society, though this is rapidly changing. However, even in a cash-heavy culture, a kouza is required for receiving your monthly salary, as employers almost universally mandate direct deposit.

銀行で新しい口座を開設しました。

Furthermore, a kouza is necessary for setting up automatic deductions for utility bills, rent, and credit card payments. This system of automatic withdrawal is deeply ingrained in Japanese society and is considered the standard method for handling recurring expenses.
Touza Kouza (当座口座)
A current account typically used by businesses for issuing checks and promissory notes, usually not bearing interest.
When you establish a kouza, you typically receive a cash card (kyasshu kaado) and a passbook (tsucho). The passbook is a small booklet that you can insert into ATMs to print a physical record of all your transactions. While digital banking is becoming more prevalent, many Japanese people still rely on and prefer the physical record provided by the tsucho.

給料は毎月この口座に振り込まれます。

The concept of a kouza extends beyond just traditional banks. The Japan Post Bank (Yucho Ginko) is one of the most popular financial institutions in the country, and opening a Yucho kouza is often the first financial step for foreign residents due to its relatively accessible requirements.

口座の残高を確認してください。

It is also important to note that the name on your kouza must exactly match the name on your official identification documents, such as your Residence Card (Zairyu Card). This often causes confusion for foreigners with long names or middle names, as the banking system's character limits and formatting rules can be strict.
Teiki Yokin Kouza (定期預金口座)
A fixed-term deposit account where money is locked in for a specific period to earn a slightly higher interest rate.
In recent years, the rise of internet banking has introduced the concept of 'netto kouza' (net accounts), which operate entirely online without physical branches or passbooks. These are becoming increasingly popular among younger generations and expatriates for their convenience and often lower transfer fees.

オンラインで口座を管理するのは便利です。

Regardless of the type, your kouza is your financial identity in Japan. It is tied to your address, your phone number, and often your personal seal (hanko or inkan), which is traditionally used in place of a signature for official documents. Understanding the nuances of managing your kouza, from reading ATM menus to navigating online banking interfaces, is a critical step in achieving independence and stability while living in Japan.

帰国する前に口座を解約する必要があります。

Ultimately, the word kouza represents security, integration into the local economy, and the practical means by which daily life is sustained and managed in modern Japanese society.
Using the word 'kouza' correctly involves understanding the specific verbs and collocations that naturally pair with it in Japanese. The most fundamental action associated with a bank account is opening one. In Japanese, you do not 'make' an account; rather, you 'open' it. The verb used is 'hiraku' (開く) or the more formal 'kaisetsu suru' (開設する). Therefore, when you visit a bank, you would say 'Kouza o hirakitai desu' (口座を開きたいです) or 'Kouza o kaisetsu shitai desu' (口座を開設したいです).
口座を開く (Kouza o hiraku)
To open a bank account. This is the most common and natural way to express this action in everyday conversation.
Once your kouza is active, you will need to perform various transactions. Depositing money into your account is expressed as 'kouza ni okane o azukeru' (口座にお金を預ける) or 'nyuukin suru' (入金する).

明日、銀行に行って口座を開きます。

Conversely, withdrawing money is 'kouza kara okane o hikidasu' (口座からお金を引き出す) or 'shukkin suru' (出金する). These terms are frequently seen on ATM screens across the country. Another critical function of a kouza is transferring money to someone else's account. This is known as 'furikomi' (振り込み). When you want to transfer funds, you would say 'Kouza ni furikomu' (口座に振り込む).
口座に振り込む (Kouza ni furikomu)
To transfer money into a bank account. This is essential for paying rent, online shopping, or sending money to friends.
It is also important to monitor your account balance. The word for balance is 'zandaka' (残高). You can check your balance by saying 'Kouza no zandaka o kakunin suru' (口座の残高を確認する).

家賃を大家さんの口座に振り込みました。

In Japan, many monthly bills, such as electricity, water, gas, and mobile phone charges, are paid via automatic deduction from your bank account. This convenient system is called 'kouza furikae' (口座振替) or 'hikiotoshi' (引き落とし). Setting this up requires filling out a specific form provided by the utility company and stamping it with the hanko registered to your kouza.

光熱費は毎月口座から引き落とされます。

口座振替 (Kouza furikae)
Automatic direct debit from an account, used widely for utility bills, credit cards, and subscription services.
If you ever lose your cash card or passbook, you must immediately contact the bank to freeze your account. The phrase for this is 'kouza o teishi suru' (口座を停止する) or 'kouza o touketsu suru' (口座を凍結する).

カードをなくしたので、口座を停止してもらいました。

Finally, when you are preparing to leave Japan permanently, it is highly recommended to close your bank account to prevent any future security issues or maintenance fees. Closing an account is expressed as 'kouza o tojiru' (口座を閉じる) or 'kouza o kaiyaku suru' (口座を解約する).

帰国するため、明日口座を解約します。

Mastering these verbs and phrases will give you the confidence to navigate the Japanese banking system smoothly and handle your personal finances with ease.
The word 'kouza' is ubiquitous in Japan, and you will encounter it in a wide variety of contexts, ranging from everyday errands to formal business environments. Naturally, the most common place you will hear and see this word is at financial institutions such as banks (ginko) and post offices (yubinkyoku). When you walk into a bank branch, the reception staff or ticketing machines will often ask if your visit is related to a 'kouza'.
At the Bank (銀行)
You will hear this word constantly from tellers, on ATM screens, and in informational brochures regarding account services.
ATM screens prominently feature the word kouza. When you insert your card, you may be prompted to select the type of transaction, such as 'kouza no zandaka shoukai' (account balance inquiry) or 'kouza kan furikae' (transfer between accounts).

ATMの画面で口座残高を照会しました。

Beyond the bank, the workplace is another primary location where the term is used. During your orientation or onboarding process at a new job, the Human Resources department will inevitably ask for your 'kyuyo furikomi kouza' (salary transfer account). They need this information to ensure you get paid.
At the Workplace (職場)
HR will request your account details to set up direct deposit for your monthly salary and reimbursement of transportation expenses.

人事部に給料振込用の口座番号を提出しました。

You will also hear the word when dealing with real estate agencies (fudosanya). When you sign a lease for an apartment, the landlord or management company will require you to set up an automatic monthly transfer for your rent. They will provide you with a 'kouza furikae iraisyo' (request form for automatic account transfer) that you must complete and stamp with your hanko.

家賃の支払いのために口座振替の手続きをしました。

Similarly, utility companies (electricity, gas, water) and telecommunications providers (internet, mobile phones) heavily rely on the kouza system. When you set up these services, the customer service representatives will ask if you prefer to pay by credit card or 'kouza hikiotoshi' (direct debit from your account).
Utility Companies (公共料金)
Providers of essential services will ask for your account details to set up automatic monthly billing.

携帯電話の料金は指定の口座から引き落とされます。

In the realm of e-commerce and online shopping, such as Amazon Japan, Rakuten, or Mercari, you will frequently encounter the term. If you choose to pay via bank transfer rather than a credit card, the platform will display their 'furikomisaki kouza' (destination account for transfer).

ネット通販の代金を指定された口座に振り込みました。

Furthermore, if you ever need to receive a refund for a canceled service or a returned item, the company will ask you to provide your 'henkin-yo kouza' (account for refunds). In short, any situation in Japan that involves the formal exchange, storage, or regular payment of money will almost certainly involve the word kouza.
While 'kouza' is a fundamental vocabulary word, learners of Japanese often make several common mistakes regarding its usage, pronunciation, and the cultural context surrounding it. One of the most frequent errors is confusing the word 'kouza' (口座 - bank account) with 'yokin' (預金 - deposit/bank balance). While they are closely related, they refer to different things. The kouza is the container, the actual account itself. The yokin is the money that is inside that container. Therefore, you open a kouza, but you deposit yokin.
Kouza vs. Yokin
Kouza is the account (the vessel). Yokin is the deposit (the contents). Do not say 'yokin o hiraku' (open a deposit); say 'kouza o hiraku'.

❌ 預金を開きたいです。
⭕ 口座を開きたいです。

Another common mistake involves the terminology used when providing account details to someone else. A bank account in Japan is identified by several pieces of information: the bank name (ginko-mei), the branch name (shiten-mei), the account type (kouza shubetsu), and the account number (kouza bangou). Learners sometimes simply provide the 'kouza bangou' and forget that the branch name and account type are absolutely necessary for a successful transfer.
Incomplete Information
Providing only the account number is insufficient in Japan. You must provide the bank, branch, type, and number.

振込のために、口座番号と支店名を教えてください。

Foreign residents often face a specific, highly frustrating issue regarding the 'kouza meigi' (account holder name). The name registered to the kouza must match the name on official ID exactly. If your ID is in the Latin alphabet, your bank account name will likely be registered in Katakana or the Latin alphabet exactly as it appears. When setting up automatic payments or receiving transfers, if the name entered by the sender does not match the registered name perfectly—even down to a missing middle name or a space—the transaction will fail.
Name Mismatches
Ensure the name you provide for transfers exactly matches the Katakana or Romaji registered on your bank passbook.

口座名義が一致しないため、振込がエラーになりました。

Pronunciation can also be a slight hurdle. The word is 'ko-u-za' with a long 'o' sound. If pronounced with a short 'o' as 'koza', it sounds unnatural and might be confused with other words, though context usually saves the day.

正しい発音は「こ・う・ざ」です。

Finally, learners sometimes use the English loanword 'akanto' (アカウント) when referring to a bank account. In Japanese, 'akanto' is strictly used for digital or online accounts, such as an email account, a social media account, or a user profile on a website. It is never used to refer to a traditional bank account.

❌ 銀行のアカウント
⭕ 銀行の口座

By being aware of these distinctions, you can communicate much more clearly and avoid administrative headaches when managing your finances in Japan.
When learning the word 'kouza' (口座), it is highly beneficial to understand its synonyms and related financial terms, as they are often used in close proximity or in overlapping contexts. The most closely related terms are 'yokin' (預金) and 'chokin' (貯金). As mentioned previously, while kouza is the account itself, yokin refers to the money deposited within a bank account. You will often see the word yokin combined with kouza, such as in 'futsuu yokin kouza' (ordinary deposit account).
預金 (Yokin)
Money deposited in a bank. It emphasizes the funds themselves rather than the account structure.

銀行に多額の預金があります。（口座の中のお金）

'Chokin' (貯金) is another crucial word. It translates to 'savings' and refers to the act of saving money or the money that has been saved. Interestingly, in Japan, money deposited in the Japan Post Bank (Yucho Ginko) or agricultural cooperatives (JA) is traditionally referred to as 'chokin', whereas money deposited in commercial banks (like SMBC, MUFG, Mizuho) is referred to as 'yokin'. However, in everyday conversation, people use 'chokin' broadly to mean their personal savings, regardless of where it is kept.
貯金 (Chokin)
Savings. Often used to describe money saved up for the future, or deposits specifically at the Post Bank.

将来のために貯金をしています。

Another related concept is 'akanto' (アカウント). As discussed in the common mistakes section, akanto is an English loanword used exclusively for digital services. You have a Google akanto, a Twitter akanto, or an Amazon akanto. While an online banking portal requires a login 'akanto', the actual financial repository holding your money is still the 'kouza'.
アカウント (Akanto)
A digital user profile or login credential for websites and software, not a financial bank account.

ネットバンキングのアカウントにログインして、口座情報を確認する。

You might also encounter the word 'tsucho' (通帳), which is the physical passbook issued by the bank when you open a kouza. The tsucho is a tangible representation of your kouza, and people often use the terms interchangeably in casual speech, such as saying 'I forgot my tsucho' when they mean they cannot access their account details at the ATM.

口座の履歴を通帳に記帳しました。

Finally, the term 'kouza bangou' (口座番号) is the specific account number. It is vital to distinguish between the general concept of the account (kouza) and the specific identifying digits (bangou).

振込先の口座番号を間違えないように注意してください。

Understanding these related terms—yokin, chokin, akanto, tsucho, and kouza bangou—will provide you with a comprehensive vocabulary for navigating any financial discussion or transaction during your time in Japan.

چقدر رسمی است؟

سطح دشواری

گرامر لازم

Using 'ni' for destination: 口座に振り込む (Transfer TO the account).

Using 'kara' for source: 口座から引き出す (Withdraw FROM the account).

Using 'tame ni' for purpose: 口座を開くために銀行に行く (Go to the bank IN ORDER TO open an account).

Passive voice for automatic actions: お金が引き落とされる (Money IS DEDUCTED).

Potential form: この銀行で口座が開けますか (CAN I open an account at this bank?).

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مثال‌ها بر اساس سطح

1

口座を開きたいです。

I want to open an account.

Verb stem + tai desu (want to do).

2

銀行の口座がありますか。

Do you have a bank account?

Noun + ga arimasu ka (Do you have...?).

3

新しい口座を作りました。

I made a new account.

Past tense of tsukuru (to make).

4

これは私の口座です。

This is my account.

A wa B desu (A is B).

5

口座にお金がありません。

There is no money in the account.

Noun + ni (location) + ga arimasen (there is not).

6

郵便局で口座を開きます。

I will open an account at the post office.

Noun + de (location of action).

7

口座のカードをください。

Please give me the account card.

Noun + o kudasai (Please give me...).

8

口座番号は何ですか。

What is the account number?

Nan desu ka (What is it?).

1

給料は新しい口座に振り込まれます。

My salary is transferred to the new account.

Passive form of furikomu (to transfer).

2

ATMで口座の残高を確認しました。

I checked my account balance at the ATM.

Noun + de (by means of/at).

3

毎月、この口座から家賃を払います。

Every month, I pay rent from this account.

Noun + kara (from).

4

口座にお金を預けに行きます。

I am going to deposit money into my account.

Verb stem + ni iku (go to do).

5

電気代は口座から引き落とされます。

The electricity bill is automatically deducted from the account.

Passive form of hikiotosu (to deduct).

6

友達の口座にお金を送りました。

I sent money to my friend's account.

Noun + ni (direction/target).

7

口座を開くために印鑑が必要です。

A seal is necessary to open an account.

Verb dictionary form + tame ni (in order to).

8

この口座はもう使っていません。

I am not using this account anymore.

Te-iru form (current state/ongoing action) + negative.

1

カードを紛失したので、口座を停止してください。

I lost my card, so please freeze my account.

Node (because/so) for explaining a situation.

2

引っ越しをしたので、口座の住所変更の手続きをしました。

Because I moved, I completed the procedure to change the address on my account.

Noun + no + Noun to connect related concepts.

3

普通口座と定期預金口座の違いを教えてください。

Please tell me the difference between an ordinary account and a fixed deposit account.

A to B no chigai (the difference between A and B).

4

ネットバンキングで口座を管理する方が便利だと思います。

I think it is more convenient to manage the account with internet banking.

Verb dictionary form + hou ga (it is more...).

5

口座の名義が違うと、振り込みができません。

If the account name is different, the transfer cannot be made.

Conditional 'to' (if/when).

6

帰国する前に、必ず口座を解約しなければなりません。

Before returning to my home country, I absolutely must close my account.

Nakereba narimasen (must do).

7

口座の維持に手数料はかかりますか。

Does it cost a fee to maintain the account?

Noun + ni (for the purpose of) + kakaru (to cost/take).

8

複数の口座を持っているので、お金の管理が少し大変です。

Because I have multiple accounts, managing my money is a bit difficult.

Te-iru form + node (because of current state).

1

会社を設立するため、法人用の口座を開設する必要があります。

In order to establish a company, it is necessary to open a corporate account.

Hitsuyou ga aru (it is necessary to).

2

請求書の金額を、期日までに指定の口座へお振り込みください。

Please transfer the invoice amount to the designated account by the due date.

O + verb stem + kudasai (polite request).

3

セキュリティ強化のため、口座の暗証番号を定期的に変更しています。

To strengthen security, I change my account PIN regularly.

Noun + no tame (for the sake of).

4

当座口座は主に企業が小切手や手形を振り出すために利用されます。

Current accounts are mainly used by companies to issue checks and promissory notes.

Passive voice (riyou saremasu) for general facts.

5

海外送金を受け取るには、口座のSWIFTコードと支店名が必要です。

To receive an international remittance, the account's SWIFT code and branch name are required.

Verb dictionary form + ni wa (in order to).

6

長期間使用されていない口座は、休眠口座として扱われることがあります。

Accounts that have not been used for a long time may be treated as dormant accounts.

Koto ga aru (there are times when / it may happen).

7

投資信託を始めるために、専用の証券口座を開きました。

I opened a dedicated securities account to start investment trusts.

Senyou no (dedicated/exclusive).

8

給与振込口座の変更届を人事部に提出しました。

I submitted a notification of change for my salary transfer account to the HR department.

Compound noun structure (kyuyo furikomi kouza).

1

マネーロンダリング対策の強化に伴い、口座開設時の本人確認が厳格化されている。

Along with the strengthening of anti-money laundering measures, identity verification when opening an account has become stricter.

Ni tomonai (along with / as a consequence of).

2

NISA口座を活用することで、株式投資の運用益が非課税になるというメリットがある。

By utilizing a NISA account, there is the advantage that capital gains from stock investments become tax-exempt.

Koto de (by means of doing) and to iu meritto (the advantage that).

3

企業買収の決済にあたり、巨額の資金がエスクロー口座を通じて移動した。

Upon the settlement of the corporate acquisition, a massive amount of funds moved through an escrow account.

Ni atari (at the time of / upon) and o tsuujite (through).

4

ネット銀行は実店舗を持たないため、口座維持手数料を無料に設定できる強みがある。

Because internet banks do not have physical branches, they have the strength of being able to set account maintenance fees to free.

Tame (because/due to) in a formal context.

5

相続が発生した場合、故人の名義となっている銀行口座は直ちに凍結される。

When an inheritance situation occurs, bank accounts in the name of the deceased are immediately frozen.

Baai (in the case that).

6

外貨預金口座を開設し、為替変動リスクを分散させるポートフォリオを構築した。

I opened a foreign currency deposit account and built a portfolio to diversify exchange rate fluctuation risks.

Verb stem (kaisetsu shi) used as a formal conjunction.

7

架空名義の口座を利用した特殊詐欺事件が後を絶たず、社会問題化している。

Special fraud cases using accounts under fictitious names are endless and have become a social problem.

Ato o tatazu (never-ending / continuous).

8

メインバンクの口座に資金を集中させることで、融資の際の金利交渉を有利に進める狙いがある。

By concentrating funds in the main bank account, the aim is to advance interest rate negotiations advantageously at the time of financing.

Koto de (by doing) and nerai ga aru (there is an aim to).

1

発起人は会社設立の登記に際し、資本金の払込を証明するため、個人の口座に資金を振り込まなければならない。

Upon registration of company incorporation, the promoter must transfer funds to a personal account to prove the payment of capital.

Ni saishi (upon / at the time of) - highly formal.

2

金融庁のガイドラインに準拠し、疑わしい取引が検知された口座については、即座に取引制限措置を講じる規定となっている。

In compliance with the Financial Services Agency's guidelines, it is stipulated that transaction restriction measures will be taken immediately for accounts where suspicious transactions are detected.

Ni junkyo shi (in compliance with) and kitei to natte iru (it is stipulated that).

3

信託財産は受託者の固有財産と分別して管理されるべきであり、専用の信託口座の開設が法的に義務付けられている。

Trust property should be managed separately from the trustee's own property, and the opening of a dedicated trust account is legally mandated.

Beki de ari (should be and...) and gimizukerarete iru (is obligated/mandated).

4

マイナス金利政策の長期化により、金融機関が法人顧客に対して口座維持手数料を転嫁する動きが顕在化しつつある。

Due to the prolonged negative interest rate policy, the movement of financial institutions passing on account maintenance fees to corporate clients is becoming apparent.

Ni yori (due to) and tsutsu aru (is in the process of).

5

破産手続きの開始決定がなされると、破産管財人が破産者の全口座を管理下に置き、債権者への配当原資として保全する。

When the commencement of bankruptcy proceedings is decided, the bankruptcy trustee places all of the bankrupt's accounts under management and preserves them as a source of dividends for creditors.

To (when/upon) and shite (as).

6

デジタルトランスフォーメーションの推進に伴い、既存の勘定系システムを刷新し、口座情報のリアルタイム処理能力を飛躍的に向上させた。

Along with the promotion of digital transformation, the existing core banking system was renewed, dramatically improving the real-time processing capability of account information.

Ni tomonai (along with) and verb stem (sasshin shi) for formal connection.

7

租税条約に基づく情報交換枠組み（CRS）により、非居住者の金融口座情報は各国の税務当局間で自動的に共有される仕組みが構築された。

Through the Common Reporting Standard (CRS) based on tax treaties, a mechanism has been built where non-residents' financial account information is automatically shared among tax authorities of each country.

Ni yori (by means of / due to) and shikumi ga kouchiku sareta (a mechanism was built).

8

休眠預金等活用法に基づき、10年以上取引のない口座の資金は、民間公益活動を促進するための財源として移管される。

Based on the Dormant Deposits Utilization Act, funds in accounts with no transactions for over 10 years are transferred as financial resources to promote private public interest activities.

Ni motozuki (based on).

مترادف‌ها

アカウント 預金口座 勘定 貯金口座

متضادها

解約 現金

ترکیب‌های رایج

口座を開く
口座を閉じる
口座に振り込む
口座から引き落とす
口座番号
口座名義
口座残高
普通口座
当座口座
休眠口座

عبارات رایج

口座を開設したいのですが。
給与振込口座を教えてください。
口座の残高が不足しています。
口座振替の手続きをお願いします。
口座を解約したいです。
口座番号を間違えました。
口座が凍結されました。
ネットで口座を管理する。
法人の口座を作る。
口座の暗証番号を忘れた。

اغلب اشتباه گرفته می‌شود با

口座 vs 預金 (Yokin - Deposit): The money inside the account, not the account itself.

口座 vs 貯金 (Chokin - Savings): Money saved up, often used interchangeably with Yokin but specifically implies saving.

口座 vs アカウント (Akanto - Digital Account): Used for websites and apps, never for a physical bank account.

اصطلاحات و عبارات

"口座を空にする"
"口座が潤う"
"口座を分ける"
"口座を一本化する"
"口座を預ける"
"口座が焦げ付く"
"口座を差し押さえられる"
"口座を貸す"
"口座を売る"
"口座を紐付ける"

به‌راحتی اشتباه گرفته می‌شود

口座 vs

口座 vs

口座 vs

口座 vs

口座 vs

الگوهای جمله‌سازی

برای دیدن همه مثال‌ها رایگان ثبت‌نام کنید

نحوه استفاده

written vs spoken

In written forms, you will often see abbreviations or specific terminology like '普通' (Futsuu) for ordinary account, while in spoken language, people might just say 'kouza'.

formal vs informal

The word 'kouza' itself is neutral and used in all registers. The formality changes based on the verbs used with it (e.g., hiraku vs. kaisetsu suru).

اشتباهات رایج
  • Using 'yokin' (deposit) when you mean 'kouza' (account). You open a kouza, you don't open a yokin.
  • Providing only the account number for a transfer. You must provide the bank name, branch name, account type, and account number.
  • Assuming a tourist can open a bank account. You need a valid resident visa and Residence Card.
  • Forgetting the registered hanko when visiting the bank counter for major transactions.
  • Leaving Japan permanently without closing the bank account, leading to dormant account issues.

نکات

Name Matching is Crucial

When receiving money, ensure the sender knows exactly how your name is registered on your account (usually in Katakana). Even a single missing space or incorrect character will cause the transfer to bounce. Check the first page of your passbook for the exact spelling. Provide this exact spelling to your employer or anyone transferring funds to you.

Keep Passbook and Card Separate

For security reasons, never carry your cash card and your passbook (tsucho) in the same wallet or bag. If stolen together, a thief has easier access to your funds. Keep the passbook safe at home and only carry the cash card for daily ATM use.

Japan Post Bank is Beginner Friendly

If you are a new resident struggling to open an account at a mega-bank, try the Japan Post Bank (Yucho Ginko). They are generally more accommodating to newly arrived foreigners and their network of ATMs is vast, covering even the most rural areas of Japan.

Don't Forget to Close It

When you leave Japan for good, do not just abandon your bank account. Go to the branch and officially close it (kaiyaku). Abandoned accounts can be targeted by criminal syndicates for money laundering, which could cause legal trouble for you if you ever return to Japan.

Set Up Automatic Payments

To avoid missing utility bill payments, set up 'kouza furikae' (automatic deduction) as soon as possible. Paying paper bills at the convenience store every month is tedious and easy to forget. Automatic deduction ensures your bills are paid on time, protecting your credit.

Internet Banking Saves Fees

Traditional banks often charge high fees for transferring money to other banks, especially outside of business hours. Setting up internet banking or opening a dedicated 'net bank' account (like Rakuten Bank or SBI Sumishin) can significantly reduce or eliminate these transfer fees.

Memorize Your PIN

Your 4-digit PIN (anshou bangou) is required for almost all ATM transactions. Do not use easily guessable numbers like your birthday or 1234. If you enter the wrong PIN three times, your card will be locked, and you will have to visit a branch during business hours to unlock it.

Beware of Transfer Scams

Japan has a high rate of 'furikome sagi' (bank transfer scams), where criminals trick people into transferring money to their accounts. Never transfer money to an unknown account, even if they claim to be a family member in trouble or a government official. Banks will never ask for your PIN over the phone.

Updating Your Passbook

If you use a physical passbook, make sure to update it (kichou) at the ATM regularly. If you accumulate too many unprinted transactions, the bank may consolidate them into a single line item, making it difficult to track your individual expenses later.

Notify the Bank of Changes

If you move to a new apartment or change your phone number, you must notify your bank and update your account details. Failing to do so means you will miss important mail from the bank, which can eventually lead to your account being temporarily frozen for security reasons.

حفظ کنید

روش یادسپاری

Imagine your money needs a 'seat' (za) inside the bank's 'mouth' (kou/opening). The bank opens its mouth to give your money a safe seat. That seat is your Kouza.

ریشه کلمه

Sino-Japanese (On'yomi)

بافت فرهنگی

Traditionally, a specific hanko (ginko-in) is registered to the kouza. If you lose this hanko, you cannot perform major transactions at the counter until you register a new one.

The Japanese banking system is notoriously strict about name matching. If a sender types 'John Smith' but the account is registered as 'SMITH JOHN', the transfer will fail.

ATMs in Japan have a specific slot for passbooks. It is a common sight to see people updating their passbooks (kichou) at the end of the month.

تمرین در زندگی واقعی

موقعیت‌های واقعی

شروع‌کننده‌های مکالمه

"日本の銀行で口座を開くのは難しかったですか？ (Was it difficult to open a bank account in Japan?)"

"給料の振込口座はどの銀行にしていますか？ (Which bank do you use for your salary transfer account?)"

"ネット銀行の口座を持っていますか？ (Do you have an internet bank account?)"

"口座の維持手数料についてどう思いますか？ (What do you think about account maintenance fees?)"

"口座振替とクレジットカード払い、どちらが好きですか？ (Which do you prefer, automatic account debit or credit card payment?)"

موضوعات نگارش

Write about your experience opening your first bank account (kouza) in Japan.

List the monthly expenses that are automatically deducted from your kouza.

Explain the difference between a traditional bank kouza and an internet bank kouza.

Describe a time you had trouble with a bank transfer or your kouza.

Write a step-by-step guide for a friend on how to check their kouza balance at an ATM.

سوالات متداول

10 سوال

To open a kouza, you typically need your Residence Card (Zairyu Card), a registered personal seal (hanko), and sometimes proof of employment or student status. You must visit a bank branch, fill out an application form, and undergo identity verification. Some banks, like Japan Post Bank (Yucho), are known to be more lenient for newly arrived residents. Recently, many banks offer online applications, but foreigners often still need to visit a branch to verify their residence status. It is highly recommended to bring someone who speaks Japanese if you are not confident in your language skills.

A 'futsuu kouza' (ordinary account) is the standard bank account used by individuals for daily transactions, receiving salaries, and paying bills. It usually earns a tiny amount of interest. A 'touza kouza' (current account) is primarily used by businesses. It does not earn interest, but it allows the account holder to issue checks and promissory notes. For almost all personal needs in Japan, a futsuu kouza is what you need.

Traditionally, yes, a registered personal seal (hanko or inkan) was mandatory to open a bank account in Japan. It served as your official signature. However, this is slowly changing. Many modern mega-banks (like SMBC or Mitsubishi UFJ) and internet banks now allow foreigners to open accounts using a handwritten signature instead of a hanko. Nevertheless, having a hanko is still highly recommended as it makes administrative processes much smoother across the board.

No, tourists (those on a short-term visitor visa of 90 days or less) cannot open a resident bank account in Japan. To open a standard kouza, you must be a registered resident with a valid Residence Card and a registered address in Japan. Some banks even require you to have lived in Japan for at least six months before allowing you to open a fully functional account, though exceptions exist for those who need an account for salary purposes immediately upon arrival.

Before leaving Japan permanently, you must visit your bank branch to close (kaiyaku) your account. You will need to bring your cash card, passbook (tsucho), registered hanko, and Residence Card. The teller will process the closure and hand you any remaining balance in cash. It is crucial to do this, as leaving an open, dormant account can lead to maintenance fees or the account being flagged for suspicious activity in the future.

Kouza furikae is the system of automatic direct debit from your bank account. It is the most common way to pay recurring bills in Japan, such as electricity, water, gas, internet, and credit card bills. To set it up, you fill out a form provided by the billing company, stamp it with your bank-registered hanko, and submit it. Once active, the billed amount is automatically withdrawn from your kouza on a specific day each month.

You can check your account balance (zandaka) in several ways. The most traditional method is inserting your passbook (tsucho) or cash card into an ATM and selecting 'zandaka shoukai' (balance inquiry). You can also check it via your bank's online banking website or smartphone app if you have set up digital access. Finally, you can ask a teller at the bank counter, though this is less common for simple inquiries.

If you do not use your bank account for a long period (typically 10 years), it may be classified as a dormant account (kyumin kouza). Under Japanese law, funds in dormant accounts can be transferred to the government for public interest activities. However, you can still reclaim your money by visiting the bank with your ID, passbook, and hanko to reactivate the account or withdraw the funds. Some banks also charge maintenance fees for inactive accounts.

Generally, Japanese banks have a strict 'one account per person per branch' rule to prevent money laundering and fraud. You usually cannot open two ordinary accounts (futsuu kouza) at the exact same branch. However, you can open different types of accounts (e.g., one ordinary account and one securities account) at the same bank, or open accounts at different branches of the same bank, though the latter may require a valid reason.

The Japanese banking system requires an exact match for the account holder's name (kouza meigi) when making a transfer. If your name is registered as 'SMITH JOHN' in Katakana (スミス ジョン), and the sender inputs 'JOHN SMITH' or misses a space, the transfer will automatically fail. Foreigners often face this issue due to middle names or varying name orders. Always provide your exact registered Katakana name to anyone sending you money.

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خودت رو بسنج 180 سوال

/ 180 درست

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