銀行等窓口事務 銀行等窓口事務
What 銀行等窓口事務 do
An English description is being prepared. Japanese description:
口座への預入、払出、送金はATMの普及により自動化が進んでいるが、一定額を超える場合は窓口での手続が必要となる。顧客の普通預金等への現金の預け入れ、引き出しの手続きや各種の振込み、税金の支払い等に対応する。また、口座の開設や解約、各種の変更手続き、問い合せ内容に応じた各担当部署への引き継ぎ等も行う。営業時間終了時には、紙幣、硬貨、小切手の帳尻を合わせ、一日の取引高を計算する。
外貨両替、海外送金は全ての銀行が対応しているわけではないが、日々変化する為替レートや商習慣の異なる海外の金融機関との応対など、より専門的知識や経験が問われる業務である。
さらに、顧客の資産形成や相続等の相談にのり、顧客のニーズに合った国債、保険、投資信託等の金融商品等を提案、販売する業務もある。NISAやiDeCoの提案や手続き等も行っている。近年は、窓口においてもこうした個別相談を踏まえて、きめ細かく顧客に対応する業務にウエイトが置かれるようになってきており、より専門性が高く幅広い知識や提案力が求められる業務が増えてきている。
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Employment type of workers
銀行等窓口事務 salary
The average annual pay for 銀行等窓口事務 in Japan is ¥5.12M (≈ $32,575; Basic Survey on Wage Structure (2025), national). The estimated median is ¥4.76M, the typical range is ¥3.54M–¥8.67M and the top 10% earn about ¥7.49M.
How does your pay compare with people your age?
Your numbers are not sent or stored. The distribution is estimated from Japan's national wage statistics, including pay differences by age.
Pay by ageest.
Estimated from the average pay and average age (44.0) using the age-wage curve of the Basic Survey on Wage Structure.
Pay by experienceest.
Pay by employment typeest.
The average hourly wage of ¥2,556 is 2.2× Japan's national average minimum wage of ¥1,177 (fiscal 2026). Minimum wage by prefecture →
Japanese pay is shown in yen (¥5.57M = 5.57 million yen ≈ 557万円). Dollar figures use the current rate of 157.25 yen per dollar and are for reference only; purchasing power differs.
Pay over time
| Year | Average pay | Employment | Openings ratio |
|---|---|---|---|
| 2021 | ¥4.53M | — | — |
| 2022 | ¥4.50M | — | — |
| 2023 | ¥4.85M | — | 0.68x |
| 2024 | ¥5.09M | — | 0.66x |
| 2025 | ¥5.12M | — | 0.61x |
Projected pay for 銀行等窓口事務 (3, 5 and 10 years)est.
Today ¥5.12M → in 3 years ¥5.26M → in 5 years ¥5.36M → in 10 years ¥5.61M (10-year range ¥4.83M–¥6.51M). The model assumes pay growth of +0.9% per year.
What drives the annual growth rate
Projected pay = current pay × (1 + annual growth)^years. The annual growth rate starts from a base wage-growth rate and adds or subtracts labor demand (the job-openings-to-applicants ratio), wage momentum and AI replacement risk for each occupation. Projections are not guarantees. How it is calculated →
Outlook score for 銀行等窓口事務
Each component is a percentile rank among all occupations in the same country (0–100). Weights: labor demand 25, wage momentum / openings 15, pay level 15, AI resistance 25, aging workforce 10 (Japan only), entry barrier 10.
Will AI replace 銀行等窓口事務? AI replacement risk
How AI is changing this job
A written analysis for this occupation is being prepared.
AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using the MHLW job tag survey on work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →
Labor demand for 銀行等窓口事務
A ratio above 1.0 means there are more job openings than applicants (a labor shortage). The 5- and 10-year figures are estimates from the openings ratio, wage momentum and AI replacement risk.
The same job in the United States
| 銀行等窓口事務 Japan | Tellers United States | |
|---|---|---|
| Median / average pay | ¥5.12M ≈ $32,575 | $43,030 |
| Pay in 10 years (est.) | ¥5.61M | $51,000 |
| Outlook score | 34 | 20 |
| AI replacement risk | 82% Very high | 66% High |
| Workers | — | 329K |
Matched by occupation (SOC code). Yen converted at 157.25 JPY/USD for reference; Japanese figures are averages, U.S. figures are medians, and the surveys define occupations differently.
Skills, education and requirements for 銀行等窓口事務
Key skills
Skill levels from the MHLW job tag worker survey.
Key knowledge areas
What the work involves
Important abilities
Licenses and certifications (Japan)
- 1級金融窓口サービス技能士 National license
- 2級金融窓口サービス技能士 National license
- 3級金融窓口サービス技能士 National license
- 銀行業務検定
- 生命保険業界共通教育制度一般課程試験
- 損害保険募集人
- 証券外務員
- ファイナンシャルプランナー（ＣＦＰ／ＡＦＰ）
Related qualifications listed on job tag (names in Japanese). Some are mandatory, others recommended.
Education of workers
Training before entry
Related work experience
Difficulty of entry: ★★★☆☆ Moderate (from education, training, experience, licenses)
How to become 銀行等窓口事務
The typical path in Japan is shown by the education, training and experience of current workers above and in the Japanese guidance below. A detailed English guide for this occupation is being prepared.
Guidance from job tag (Japanese)
入職後は、現金・小切手、通帳・伝票などの扱い方を学んだ上で、窓口担当として来店客の対応にあたる。必要となる知識や技能は、就職後に行われる各種の研修やいくつかの部門で経験を重ねるほか、自己啓発などで身につける。
関連資格として、厚生労働省が定める技能検定の「金融窓口サービス技能士」や民間の「銀行業務検定」がある。債権、保険、投資信託等も取り扱うので、入職後に「証券外務員」、「保険募集人」の資格を取得することが望まれる。個人顧客への相談業務も増える中、「フィナンシャルプランナー」資格も取得していると有益である。
顧客の質問に答えたり助言したりするので、接客能力と幅広い商品知識が必要となる。また、現金や小切手等を取り扱うことが多いので、正確な事務処理と金銭に対する厳しい責任感が求められる。
Career path and how to earn more as 銀行等窓口事務
Career-path guidance is being prepared. Pay by experience is shown in the Pay section.