Are you hesitating to sign up for Rakuten Mobile because you don’t have a credit card or are worried about the screening process? You don’t have to worry—Rakuten Mobile offers several payment methods besides credit cards. By using a debit card or bank transfer (Kouza Furikae), you can sign up even without a credit card. Here is a guide to help you complete your application smoothly.

1. You Can Sign Up Without a Credit Card!

Rakuten Mobile supports the following payment methods:

• Debit Card: Rakuten Bank debit cards and some debit cards from other banks are accepted.
• Bank Transfer (Kouza Furikae): You can set up automatic deductions from designated financial institutions, such as Rakuten Bank, Mitsubishi UFJ, Mizuho, Sumitomo Mitsui, Resona, and Japan Post Bank (Yuucho).

These options allow those who prefer not to use credit cards or are concerned about credit checks to easily sign up for the “Rakuten Saikyo Plan.”

2. Important Notes for Each Payment Method

Procedures and precautions vary depending on the method you choose:

• Debit Card: Works similarly to a credit card. Some cards may not be accepted depending on the issuer, so please check by entering your card details during the application process.
• Bank Transfer: Please note that there is a 110 yen service fee for each monthly deduction. Also, bank transfers cannot be used to pay for the “product cost” (smartphone device). If you are purchasing a device, you will need to use a different payment method (such as Cash on Delivery/Daibiki). Additionally, you cannot use Rakuten Points for payment when using bank transfer. Please be aware that bank transfer applications may take longer to process than credit card applications.

3. What to Prepare Before Applying

To ensure a smooth application, please have the following ready:

• Identification Documents: For Japanese nationals, a driver’s license or My Number Card. For foreign nationals, a “Residence Card” (Zairyu Card) or “Special Permanent Resident Certificate” is mandatory.
• Payment Information: Your debit card number or bank account information (bank card or passbook).
• Email Address: A contact address linked to your Rakuten ID.
• Rakuten ID and Password: If you are not yet a member, you can create one during the application.

4. Application Steps

1. Visit the Official Website: Click the “Apply” button on the Rakuten Mobile website.
2. Select Your Plan: Choose the “Rakuten Saikyo Plan.”
3. Choose Payment Method: Select “Debit Card” or “Bank Transfer” on the application screen.
4. Identity Verification: We recommend using “AI Easy Identity Verification (eKYC).” You can complete the screening quickly by simply taking a photo of your documents with your smartphone (Foreign nationals can also use their Residence Card).

5. Frequently Asked Questions

• Q: Can I start using it the same day with a debit card?
  A: Yes, if your identity verification is approved without issues, same-day activation is possible.
• Q: Is there a fee for bank transfers?
  A: Yes, there is a 110 yen service fee per monthly deduction. Also, remember that it cannot be used for smartphone device payments.

Summary: Find the Payment Method That Works for You

There is no need to give up on Rakuten Mobile just because you don’t have a credit card. Check the application screen on the official website to see if your debit card or bank account can be registered. Choose the method that suits you best and start your affordable mobile life today.

*Information is current as of September 2026. Please always check the official Rakuten Mobile website for the latest payment conditions and campaign details.

Related Articles