Japan Public Holidays 2026: When Are Banks Closed?

Knowing Japan’s official holiday schedule is important when sending money to loved ones living there or waiting for payments from Japan. During public holidays, banks and government institutions are closed, which can delay money transfers to the next business day.

Below you can find detailed answers to questions such as:
"When are banks closed in Japan?", "How long does it take to transfer money to Japan?", and "Do banks operate during Golden Week?"

2026 Japan Public Holiday Calendar and Banking Status

The table below shows major public holidays in Japan for 2026 when banks are closed and the impact on transfers:

Banking Days and Working Hours in Japan

Banks in Japan usually operate Monday to Friday. Saturday and Sunday are weekends.

Standard working hours are generally 09:00 AM – 03:00 PM, but:

• Banks may be closed for several days during New Year’s period

• During Golden Week (late April – early May), consecutive holidays occur

• Online banking is available 24/7, but the processing date depends on business days

Weekends and holiday blocks must be considered when planning transfers to Japan.

How Long Does It Take to Transfer Money to Japan?

International transfers usually take:

• Via SWIFT: 1–3 business days

• During holidays: 3–5 business days

• During Golden Week and New Year: May take longer

Transfer instructions submitted on a public holiday will be processed on the first business day when banks reopen.

Banking During Golden Week

Golden Week, one of Japan’s most important holiday periods, starts on 29 April and ends on 5 May. During this period:

• Banks are closed

• Government offices do not operate

• SWIFT transactions may be delayed

• Delays may extend if holidays overlap with weekends

It is recommended to plan transfers at least 2–3 business days in advance, especially during late April – early May.

Weekend Days in Japan

Weekends in Japan are Saturday and Sunday.
A transfer instruction given in Turkey on Friday may fall after Japan’s business hours and be processed on Monday. Differences in business days and time zones must be considered.

Time Difference Between Turkey and Japan

Turkey (UTC+3) and Japan (UTC+9) usually have a 6-hour time difference.

• Instructions submitted in the afternoon in Turkey may coincide with the end of business hours in Japan.

• This may result in processing on the next business day.

Time differences should be considered, especially before weekends.

Bank of Japan Regulations

The banking system in Japan is regulated by the Bank of Japan.
Official holiday policies and financial system operations are determined under its guidelines. During holidays, banking systems are closed, and transfer instructions are automatically moved to the next business day.

Are Banks Open on Public Holidays in Japan?

No. Banks in Japan are closed during public holidays. Transfer instructions submitted on holidays are processed on the first business day when banks reopen. Delays may be longer during Golden Week and New Year periods.

Sending Money During Public Holidays: kuikpara

Even when banks are closed, the need for international money transfers continues. kuikpara offers a practical and fast alternative without relying on traditional banking.

Benefits include:

• 24/7 transfer instructions

• Planning transactions without holiday or weekend restrictions

• Fast processing through a user-friendly mobile app

• Secure and modern transfer infrastructure

• Efficient international transfer process

This allows you to schedule transfers easily even on bank holidays.

Frequently Asked Questions About Japan Public Holidays

Can I transfer money during Japan’s public holidays?
Yes, instructions can be submitted, but transactions are processed on the first business day when banks reopen.

Are banks open on weekends in Japan?
No. Saturday and Sunday are weekends.

Does Golden Week affect transfer time?
Yes. Transfers may be delayed by several business days due to consecutive holidays.

How long does it take for money to reach Japan?
Usually 1–3 business days; it may take longer during holiday periods.

Are banks closed during New Year?
Yes. Banks are closed during the New Year period, including 1 January.

Last Uptade: March 2026

This content is provided for general informational purposes only and does not aim to cover all aspects of the topics discussed. The information herein should not be considered a substitute for advice from a qualified professional. Nothing in this publication should be interpreted as legal, tax, or professional advice provided by PayPorter or its affiliates. While we strive to keep our content accurate and up to date, we make no representations or warranties regarding the completeness, accuracy, or timeliness of the information provided.