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There are obvious privacy and security concerns inherent in living in a guest house, and the other tenants may be insufferable. However, these tend to be the cheapest form of medium to long-term housing in major cities. A guest house room can be had near major train stations in central Tokyo for as little as Â¥65,000/month.
Another option is Japan Post Bank (JP Bank, YÅ«cho-ginkÅ ), a savings institution tied to the post office, and the biggest bank in the world by deposits. This is very convenient while in Japan, due to the extensive branch network. However, JP bank has several drawbacks for foreigners: it is more difficult to establish an account (they are relatively conservative and inflexible); many tasks can only be done in person, on paper (not over the internet), notably overseas remittances; and you are not allowed to keep a bank account open after leaving Japan, which can cause serious inconveniences in receiving money (final paycheck, return of apartment deposit) or making final payments (e.g., utilities).
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