# 外国為替及び外国貿易法 / Foreign Exchange and Foreign Trade Act — 第十八条 (Article 18)

This is the Markdown twin of https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18. Every law, and how to address a provision: https://japanlaw.org/llms.txt. The same laws as MCP tools (no sign-in): https://japanlaw.org/mcp.

- Law: 外国為替及び外国貿易法 (Foreign Exchange and Foreign Trade Act), 昭和二十四年法律第二百二十八号
- English title "Foreign Exchange and Foreign Trade Act": Ministry of Justice translation
- Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say.
- Provision: 第十八条 (Article 18)（銀行等の本人確認義務等） — address `art-18`
- Text in force since: 2026-08-12
- URL (the page that opens at this provision): https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18
- Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/324AC0000000228/art-18
- Every provision below carries its address and both URLs on the line under it.
- Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below.

Only the Japanese as published by the government has legal effect; the text
below is a copy of it. Every English rendering below is a translation and
says which kind: the Ministry of Justice's translation, or this
site's machine translation, whose model and date the Sources list names.
They are never merged and never substituted for one another.

---

### 第十八条（銀行等の本人確認義務等） — (Banks' and Other Prescribed Financial Institutions' Obligation to Verify the Identities of Their Customers)
<sup>caption: Ministry of Justice translation — Japanese Law Translation Database System</sup>
<sup>art-18 · https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18 · https://japanlaw.org/l/324AC0000000228/art-18</sup>

**第一項**  銀行等は、次の各号に掲げる顧客と本邦から外国へ向けた支払又は非居住者との間でする支払等（当該顧客が非居住者である場合を除く。）に係る為替取引（政令で定める小規模の支払又は支払等に係るものを除く。以下「特定為替取引」という。）を行うに際しては、当該顧客について、運転免許証の提示を受ける方法その他の財務省令で定める方法による当該各号に定める事項（以下「本人特定事項」という。）の確認（以下「本人確認」という。）を行わなければならない。
<sup>art-18/par-1 · https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-1 · https://japanlaw.org/l/324AC0000000228/art-18/par-1</sup>
When carrying out a funds transfer transaction involving a payment that a customer as stated in one of the following items makes from Japan to a foreign country or a funds transfer transaction involving such a customer making or receiving a payment to or from a non-resident (unless that customer is a non-resident) (excluding a funds transfer transaction that involves the person in question making a small payment or making or receiving a small payment that Cabinet Order prescribes; hereinafter referred to as a "specified funds transfer transaction"), a bank or other prescribed financial institution must verify the information stated in that item (hereinafter referred to as "identifying information") for that customer by having the customer present a driver's license or by any other means that Ministry of Finance Order prescribes (hereinafter referred to as "verifying a person's identity"):
<sup>Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "When carrying out an exchange transaction involving a payment that a customer as stated in one of the following items makes from Japan to a foreign state or an exchange transaction involving such a customer making or receiving a payment to or from a non-resident (unless that customer is a non-resident) (excluding an exchange transaction that involves the person in question making a small payment or making or receiving a payment that Cabinet Order prescribes; hereinafter referred to as a "specified exchange transaction"), a bank or other prescribed financial institution must verify the information stated in that item (hereinafter referred to as "identifying information") for that customer by having the customer present a driver's license or by any other means that Ministry of Finance Order prescribes (hereinafter referred to as "verifying a person's identity"):" — https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb</sup>

  **一**  自然人　氏名、住所又は居所（本邦内に住所又は居所を有しない外国人で政令で定めるものにあつては、財務省令で定める事項）及び生年月日
  <sup>art-18/par-1/item-1 · https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-1/item-1 · https://japanlaw.org/l/324AC0000000228/art-18/par-1/item-1</sup>
  a natural person:the person's name, domicile or residence (or the information prescribed by Ministry of Finance Order, if the person is a foreign national prescribed by Cabinet Order who has neither a domicile nor residence in Japan), and date of birth; and
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **二**  法人　名称及び主たる事務所の所在地
  <sup>art-18/par-1/item-2 · https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-1/item-2 · https://japanlaw.org/l/324AC0000000228/art-18/par-1/item-2</sup>
  a corporation:the corporation's name and the location of its principal office.
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

**第二項**  銀行等は、顧客の本人確認を行う場合において、会社の代表者が当該会社のために特定為替取引を行うときその他の当該銀行等との間で現に特定為替取引の任に当たつている自然人が当該顧客と異なるとき（次項に規定する場合を除く。）は、当該顧客の本人確認に加え、当該特定為替取引の任に当たつている自然人（以下この条及び次条において「代表者等」という。）についても、本人確認を行わなければならない。
<sup>art-18/par-2 · https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-2 · https://japanlaw.org/l/324AC0000000228/art-18/par-2</sup>
When a bank or other prescribed financial institution verifies the identity of a customer, if a company's representative is carrying out a specified funds transfer transaction on behalf of that company or in any other such case in which the natural person actually responsible for the specified funds transfer transaction with the bank or other prescribed financial institution is not the customer itself (excluding the cases prescribed in the following paragraph), the bank or other prescribed financial institution must verify the identity of the natural person responsible for the specified funds transfer transaction (referred to as the "representative or other responsible party" in this Article and the following Article), in addition to verifying the identity of the customer.
<sup>Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "When a bank or other prescribed financial institution verifies the identity of a customer, if a company's representative is carrying out a specified exchange transaction on behalf of that company or in any other such a case in which the natural person actually responsible for the specified exchange transaction with the bank or other prescribed financial institution is not the customer itself (excluding the cases prescribed in the following paragraph), the bank or other prescribed financial institution must verify the identity of the natural person responsible for the specified exchange transaction (meaning the "representative or other responsible party" in this Article and the following Article), in addition to verifying the identity of the customer." — https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb</sup>

**第三項**  顧客が国、地方公共団体、人格のない社団又は財団その他の政令で定めるものである場合には、当該国、地方公共団体、人格のない社団又は財団その他の政令で定めるもののために当該銀行等との間で現に特定為替取引の任に当たつている自然人を顧客とみなして、第一項の規定を適用する。
<sup>art-18/par-3 · https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-3 · https://japanlaw.org/l/324AC0000000228/art-18/par-3</sup>
If a customer is the national government, a local government, an association or foundation without legal personality, or any other person prescribed by Cabinet Order, the natural person who is actually responsible for conducting a specified funds transfer transaction with the bank or other prescribed financial institution on its behalf is deemed to be the customer, and the provisions of paragraph (1) apply.
<sup>Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "If a customer is the national government, a local government, an association or foundation without legal personality, or any other person prescribed by Cabinet Order, the natural person who is actually responsible for conducting a specified exchange transaction with the bank or other prescribed financial institution on its behalf is deemed to be the customer, and the provisions of paragraph (1) apply." — https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb</sup>

**第四項**  顧客（前項の規定により顧客とみなされる自然人を含む。以下この項から第二十二条の三までにおいて同じ。）及び代表者等は、銀行等が本人確認を行う場合において、当該銀行等に対して、顧客又は代表者等の本人特定事項を偽つてはならない。
<sup>art-18/par-4 · https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-4 · https://japanlaw.org/l/324AC0000000228/art-18/par-4</sup>
It is prohibited for a customer (including a natural person deemed to be a customer pursuant to the provisions of the preceding paragraph; hereinafter the same applies in this paragraph through Article 22-3) or a representative or other responsible party to disguise their identifying information from the bank or other prescribed financial institution when that bank or other prescribed financial institution is verifying their identity.
<sup>Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "It is prohibited for a customer (including a natural person deemed to be a customer pursuant to the provisions of the preceding paragraph; hereinafter the same applies in this paragraph through Article 22-3 ) or a representative or other responsible party to disguise their identifying information from the bank or other prescribed financial institute when that bank or other prescribed financial institution is confirming their identity." — https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb</sup>

---

## Cites
- art-18/par-2: 次項 → 外国為替及び外国貿易法 第十八条第三項 (Article 18, paragraph (3)), art-18/par-3 — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-3 · https://japanlaw.org/l/324AC0000000228/art-18/par-3
- art-18/par-2: この条 → 外国為替及び外国貿易法 第十八条 (Article 18), art-18 — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18 · https://japanlaw.org/l/324AC0000000228/art-18
- art-18/par-2: 次条 → 外国為替及び外国貿易法 第十八条の二 (Article 18-2), art-18-2 — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18-2 · https://japanlaw.org/l/324AC0000000228/art-18-2
- art-18/par-3: 第一項 → 外国為替及び外国貿易法 第十八条第一項 (Article 18, paragraph (1)), art-18/par-1 — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-1 · https://japanlaw.org/l/324AC0000000228/art-18/par-1
- art-18/par-4: 前項 → 外国為替及び外国貿易法 第十八条第三項 (Article 18, paragraph (3)), art-18/par-3 — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-3 · https://japanlaw.org/l/324AC0000000228/art-18/par-3
- art-18/par-4: この項 → 外国為替及び外国貿易法 第十八条第四項 (Article 18, paragraph (4)), art-18/par-4 — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-4 · https://japanlaw.org/l/324AC0000000228/art-18/par-4
- art-18/par-4: 第二十二条の三 → 外国為替及び外国貿易法 第二十二条の三 (Article 22-3), art-22-3 — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-22-3 · https://japanlaw.org/l/324AC0000000228/art-22-3

## Cited by

10 provisions cite this one. No official source publishes this direction.

- 外国為替及び外国貿易法 第十八条第二項（銀行等の本人確認義務等） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-2 · https://japanlaw.org/l/324AC0000000228/art-18/par-2
- 外国為替及び外国貿易法 第十八条第三項（銀行等の本人確認義務等） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-3 · https://japanlaw.org/l/324AC0000000228/art-18/par-3
- 外国為替及び外国貿易法 第十八条第四項（銀行等の本人確認義務等） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18/par-4 · https://japanlaw.org/l/324AC0000000228/art-18/par-4
- 外国為替及び外国貿易法 第十八条の四第一項（本人確認及び本人確認記録の作成のための是正措置） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18-4/par-1 · https://japanlaw.org/l/324AC0000000228/art-18-4/par-1
- 外国為替及び外国貿易法 第十八条の五第一項（資金移動業者への準用） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18-5/par-1 · https://japanlaw.org/l/324AC0000000228/art-18-5/par-1
- 外国為替及び外国貿易法 第十八条の六第一項（電子決済手段等取引業者等への準用） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18-6/par-1 · https://japanlaw.org/l/324AC0000000228/art-18-6/par-1
- 外国為替及び外国貿易法 第十八条の六第二項（電子決済手段等取引業者等への準用） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-18-6/par-2 · https://japanlaw.org/l/324AC0000000228/art-18-6/par-2
- 外国為替及び外国貿易法 第二十二条の二第二項（銀行等その他の金融機関等の本人確認義務等） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-22-2/par-2 · https://japanlaw.org/l/324AC0000000228/art-22-2/par-2
- 外国為替及び外国貿易法 第二十二条の三第一項（両替業務を行う者への準用） — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-22-3/par-1 · https://japanlaw.org/l/324AC0000000228/art-22-3/par-1
- 外国為替及び外国貿易法 第七十一条の二第一項 — https://japanlaw.org/ja/foreign-exchange-and-foreign-trade-act/art-71-2/par-1 · https://japanlaw.org/l/324AC0000000228/art-71-2/par-1

---

## Sources

- claude-opus-5-5 — Corrections to the Ministry of Justice's English of the Foreign Exchange and Foreign Trade Act, written 2026-11-05
- e-Gov 法令検索, Digital Agency (デジタル庁) — 外国為替及び外国貿易法 — the text in force from 2026-08-12 (https://laws.e-gov.go.jp/law/324AC0000000228/20260812_508AC0000000064), retrieved 2026-11-05
- Japanese Law Translation Database System, Ministry of Justice (法務省) — Foreign Exchange and Foreign Trade Act (外国為替及び外国貿易法), Article 18, paragraph (1) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb), retrieved 2026-11-05
- Japanese Law Translation Database System, Ministry of Justice (法務省) — Foreign Exchange and Foreign Trade Act (外国為替及び外国貿易法), Article 18, paragraph (2) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb), retrieved 2026-11-05
- Japanese Law Translation Database System, Ministry of Justice (法務省) — Foreign Exchange and Foreign Trade Act (外国為替及び外国貿易法), Article 18, paragraph (3) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb), retrieved 2026-11-05
- Japanese Law Translation Database System, Ministry of Justice (法務省) — Foreign Exchange and Foreign Trade Act (外国為替及び外国貿易法), Article 18, paragraph (4) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb), retrieved 2026-11-05
- Japanese Law Translation Database System, Ministry of Justice (法務省) — Foreign Exchange and Foreign Trade Act — Ministry of Justice translation (https://www.japaneselawtranslation.go.jp/en/laws/view/4857/tb), retrieved 2026-11-05
- This site's parser, version 225 — 外国為替及び外国貿易法 — structure, counts, cross-references and defined terms, computed 2026-11-05