Frequently Asked Questions: About the Bank Account Numbering System
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Frequently Asked Questions
Q9-1 What is the number of a deposit account? And what are the advantages of the number of a deposit account?
A9-1
This is a system that allows depositors to add their My Number to their bank accounts by voluntarily submitting their My Numbers to financial institutions.
By assigning a My Number to a deposit account, there is an advantage (Note) that the location of the deposit account to which the My Number is assigned can be confirmed at the counter of one financial institution at the time of inheritance or disaster.
"(Note) This is a benefit provided by the" "Act on the Management of Deposits and Savings Accounts through the Use of Individual Numbers Based on the Wishes of Depositors (Act No. 39 of 2021)" "(Account Management Act)."
Q9-2 What is the difference between the deposit account numbering system and the public money receiving account system?
A9-2
The bank account numbering system is a system for submitting My Number to financial institutions, and is different from the public money receiving account Registration System (Note), which is a system for registering bank accounts with the government to receive benefits, etc.
"(Note) The" "public money receiving account Registry Program" "is a program established by the" "Act on Registration, etc. of Deposits and Savings Accounts for Prompt and Reliable Payment of Public Benefits, etc. (Act No. 38 of 2021)" "."
Q9-3 How can I number my savings account?
A9-3
You can do this by submitting your My Number from a financial institution or Mynaportal to the financial institutions to which you wish to be assigned. You can also submit your My Number to multiple financial institutions at once via the Deposit Insurance Corporation of Japan, except for financial institutions that are not subject to the , which is not subject to the .
Q9-4 Which financial institutions are eligible for the deposit account numbering system?
A9-4
All financial institutions that handle deposit accounts are eligible, but there are some financial institutions that are not eligible for some procedures. For details, please see , which is not subject to the .
Q9-5 What do I need to add to my deposit account?
A9-5
As a general rule, documents that can confirm your My Number, such as your My Number Card, and your identification (name, address, and date of birth) are required. In addition, in order to assign a number to your bank account via Mynaportal, you will need a My Number Card in addition to a device (such as a smartphone) that can access Mynaportal.
Q9-6 If a bank number is assigned to a deposit account, will information on income and assets be conveyed to the government?
A9-6
Financial institutions will not inform the government of the balance of deposits and savings, etc., triggered by the notification of the My Number.
In the past, the Government has been able to check the account information of depositors only when conducting necessary social security financial resource surveys and tax investigations based on the laws and ordinances.
Q9-7 Will I be forced to number my savings account?
A9-7
At the time of opening a deposit account or overseas remittance of more than one million yen at a bank, the financial institution will confirm your intention to submit your My Number (Note). However, your My Number will not be assigned to your deposit account without your notification.
(Note) This is a response based on the "Act on the Management of Deposits and Savings Accounts through the Use of Individual Numbers Based on the Wishes of Depositors (Act No. 39 of 2021)" (Account Management Act). Even before the enforcement of the Act, financial institutions have been asking depositors to cooperate in submitting their My Number in accordance with the Act on General Rules for National Taxes, etc.
Q9-8 If I have registered a public money receiving account to receive benefits, etc., will my deposit account be numbered?
A9-8
Public money receiving account and bank account numbering systems are different systems.
Therefore, even if the public money receiving account is registered, the My Number will not be assigned to the deposit account without notification to the financial institutions.
Q9-9 Can I choose which accounts to number?
A9-9
You can select the financial institution to be numbered, but you cannot individually select the accounts to be numbered. Depending on the management status of the accounts at the financial institution, some accounts, such as dormant accounts, may not be numbered.
I can't search JA Bank on Q9-10 Mynaportal. What should I do?
A9-10
You can use it because it is a target financial institution, but the financial institution name entered in the search must be the official name.
For example, when registering "JA Bank Minor Agricultural Cooperative (tentative name)", search by "minor agricultural" or "minor" part, and select "minor agricultural cooperative" displayed in the search result.
Q9-11 Where can I check the results of the application for bank account numbering?
A9-11
In the case of applying for a My Number from a financial institution, if you submit your My Number to multiple financial institutions at once via the Deposit Insurance Corporation of Japan, the Deposit Insurance Corporation of Japan will mail you a notice of the result of the My Number assignment. The recipients of the notice are limited to within Japan. In addition, since the notice is sent by ordinary mail that does not require forwarding, if you move after applying, it will not be forwarded to your new address. Therefore, if you want to receive the notice, you need to apply again. If you have any questions about the contents of the notice, please contact the financial institution specified in the notice.
In the case of a number application from Mynaportal, the result of the number application will be notified on the "notice" of Mynaportal.
Q9-12 I applied for a deposit account number from a financial institution, but it seems that the number was not assigned well. What should I do?
A9-12
The identification information (name, address, and date of birth) submitted to the financial institution at the time of the application for the number assignment was not the latest (it did not match the information on the latest certificate of residence), or it did not match the identification information registered with the financial institution that requested the number assignment. Therefore, the number assignment was not possible.
If the customer identification information submitted to the financial institution at the time of application for number assignment is not the latest, please submit the latest customer identification information to the financial institution and apply for number assignment again. If the latest customer identification information has not been submitted to the financial institution to which the number assignment is requested, please submit the latest customer identification information to the financial institution to which the number assignment is requested and apply for number assignment again.
(Note) If you do not submit your My Number to financial institutions when applying for a My Number, the Deposit Juki Net Corporation will obtain your My Number from the insurance company based on your identification information and notify the financial institutions. However, as a result of strict matching confirmation to prevent you from obtaining another person's My Number by mistake, it has been confirmed that you cannot obtain your My Number even if the identification information submitted to financial institutions is correct. For this reason, please submit your My Number to financial institutions when applying for a My Number as much as possible.
Q9-13 I applied for a deposit account number from Mynaportal, but it seems that I could not number it well. What should I do?
A9-13
It is considered that the number could not be assigned because the input content at the time of application for number assignment was incorrect or the identification data (name, address, date of birth) registered with the financial institution that requested number assignment was not the latest.
If there is a mistake in the information entered when applying for the number, enter the correct information and apply for the number again.
If the content of the number assignment application is correct, please submit the latest identification information to the financial institution that you wish to assign the number to, and then apply for the number assignment again.
Q9-14 Can I cancel my bank account number?
A9-14
In principle, you cannot cancel the numbering after the completion of the numbering.
Q9-15 Since my parent passed away, I would like to know which financial institution account I had for inheritance procedures. What should I do?
A9-15
If a deceased person (decedent) had his / her My Number assigned to his / her bank account before his / her death, his / her family member (heir) can confirm the location of the bank account to which the deceased person's My Number is assigned by applying for an inquiry at the time of inheritance at any financial institutions. This applies to all financial institutions except for , which is not subject to the procedure. It is not possible to apply for an inquiry at the time of inheritance from Mynaportal.
Q9-16 What do I need for the inquiry at the time of inheritance?
A9-16
In addition to the identity verification documents of the applicants, documents that can confirm the personal identification information (name, address, and date of birth) of the deceased (decedent) and documents that can confirm that the applicant is a legal heir or testamentary donee by universal succession are required. The My Number of the deceased (decedent) is not required. In addition, a fee is required.
(Note) The Deposit Insurance Corporation obtains the My Number of the decedent from the Basic Resident Register Network System (Juki Net) based on the identification information of the decedent. As a result of strict matching confirmation to prevent the acquisition of another person's My Number by mistake, it has been confirmed that there are cases where the My Number of the decedent cannot be obtained even if the identification information of the decedent submitted to financial institutions is correct. Please keep this in mind when applying for an inquiry at the time of inheritance (the fee cannot be refunded after the application is received).
(Note) Regarding the personal identification information of the decedent, please describe it in the application form as described in the identification document so that there is no indication of address, etc. (Example: 1-1-1 and 1-1-1, Kasumigaseki and Kasumigaseki, Taka and Taka, etc.)
Q9-17 Until when can I make an inquiry at the time of inheritance?
A9-17
It is possible until 10 years after the death of the decedent.
Q9-18 What should I do if I have more than one heir?
A9-18
Please refer to one of the heirs.
Q9-19 Where can I check the results of the inquiry at the time of inheritance?
A9-19
The Deposit Insurance Corporation of Japan will send you a notice of inquiry results at the time of inheritance by mail. Please note that the recipient of the notice is limited to within Japan. In addition, the notice is registered mail that does not need to be forwarded, so if you move after applying, it will not be forwarded to your new address. In this case, you will need to apply again and pay the fee again. If you have any questions about the contents of the notice, please contact the financial institution specified in the notice.
Q9-20 I lost my bankbook of a financial institution due to the disaster, so I want to know my account information. What should I do?
A9-20
If your bank account was numbered prior to the disaster, you can confirm the location of your bank account numbered with your My Number by applying for a disaster inquiry at any of the designated financial institutions, except for , which is not subject to the Partial Procedure. You cannot apply for a disaster inquiry from Mynaportal.
Q9-21 What do I need to make an inquiry during a disaster?
A9-21
You will need documents to confirm your My Number and personal identification information (name, address, and date of birth).
Q9-22 Where can I check the results of the disaster inquiry?
A9-22
You will be notified by the financial institution that applied for the inquiry at the time of disaster.