The simpler way to Pay in Japan

Rated 'EXCELLENT' by Users

Enjoy the convenience of cashless payments in Japan, without complicated paperworks.

¥2,970 set-up fee, ¥385 monthly fee.

Apply for MobalPay today and enjoy your first month free!

Discover MobalPay:
The Perfect Solution for Your Needs

Features and Benefit MobalPay
Prepaid Card		 Japanese
Cash Card		 Japanese
Credit Card
Cash Top-Up
Instant Approval
Deals and Discount
Online shopping and subscription
Offline Shopping
Account Protection
ATM Withdrawal MobalPay is a prepaid card, and ATM withdrawals are not supported ATM withdrawals are supported Credit cards do not support ATM withdrawals
Easy Application MobalPay offers an easy English application process and customer support Requires Japanese paperwork and does not offer English customer support Requires Japanese paperwork and has a high chance of rejection for short-term visa holders
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Get Started with MobalPay in 4 Steps

1

Apply for MobalPay

Fill out an English online application form and upload a photo of your valid Japanese Residence Card.

2

Pay the Setup Fee

After your application are approved, we'll email you a barcode to pay the ¥2,970 setup fee at any convenience store in Japan.

3

Receive Your MobalPay Card

We’ll ship your MobalPay card directly to your address on your Residence card.

4

Top-Up Money to Your Card

Log-in online to Activate & Top-up with cash at convenience stores nationwide and enjoy cashless transaction with MobalPay!

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Apply For Your MobalPay Card

Prepaid Japanese Payment Card

MobalPay Card
¥2,970
set-up fee
(tax included)
¥385
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 each month.

Apply Now

One Card for Everything
Services, Subscriptions, and More

Mobile Suica

PayPay

Wise

Rakuten Pay

Mobile Pasmo

AUPay

And many more!

Amazon

Booking.com

Uniqlo

SHEIN

Mercari

IKEA

Temu

Costco

And many more!

7-Eleven

Family Mart

Aeon

Gyomu Super

Lawson

MyBasket

Kasumi

Daiso

And many more!

Netflix

Google Play

YouTube

Disney+

iOS App Store

Amazon Prime

Spotify

Steam

And many more!

KFC

Starbucks

Wolt

McDonald's

Burger King

Domino's

And many more!

Convenience, Savings & Control
One Access in Your Online Account

Track, Manage and Stay Informed

Track, Manage, and
Stay Informed

View your latest transactions anytime, anywhere. Easily track spending, download statements.

Quick Top-Ups

Quick Top-Ups,
Unlimited Convenience

Top up with your preferred method and enjoy instant access to your funds. Simple, fast, and secure.

Exclusive Deals

Exclusive Deals,
More Savings for You

Unlock special discounts and exclusive offers at top retailers in Japan.

How Your Monthly Fee Supports Charity

At MobalPay, we believe businesses should be a force for good. Just like our sister brand, Mobal, we are committed to creating a lasting impact on communities in need.

A portion of every monthly fee goes directly toward charity initiatives, providing essential support for food security, education, and economic empowerment. In 2023 alone, the Mobell Group donated over £3,000,000, transforming lives through meaningful projects.

For more than 30 years, Mobal has been dedicated to helping foreign residents in Japan while driving positive change globally. With MobalPay, your everyday spending fuels a mission of giving and empowerment.

Learn more about our impact
Charity
mobalpay
Spend with Ease
Give with Purpose
Use MobalPay
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Frequently Asked Questions

The initial set-up fee is ¥2,970. After that, it costs ¥385 per month. This monthly fee will be taken from your account balance each month.

No, MobalPay is not a credit card. It's a prepaid card. You put money on it before you use it, and then you can pay for things online or in shops. You can only spend the money you added to the card, which makes it easy to manage your money.

No, MobalPay is not a debit card. It's a prepaid card. You add money to it before you use it by topping up.

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 high fees.

Your MobalPay card is different. It’s a Japanese-issued Mastercard with few limitations. You can use it almost anywhere in Japan. However, since it’s a prepaid card, you can’t deposit your salary or withdraw cash from an ATM. Otherwise, you can use it like your Mastercard from home.

Since MobalPay is a prepaid card, you can't deposit your salary or withdraw cash from an ATM. Otherwise, you can use it like your Mastercard from 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! We don’t have the residency requirements that traditional Japanese banks do, and we don’t need your credit history. You’ll be accepted if your ID passes our secure verification system.

Yes, you can get MobalPay if you have a Japan Residence Card, Japanese Driver’s License, or Diplomatic ID card. Acceptance is guaranteed!*

*Subject to ID and fraud checks.

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 isn't enough money for the full monthly fee, we won't take the fee. Instead, we'll take it when you next top-up your card.

You can still use your remaining balance even if there's an unpaid monthly fee.

If you haven't paid the monthly fee, we won't charge you another one. We'll pause the billing until the fee is next paid. So, you could have a low or zero balance for months without any additional cost.
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