Am in Japan, too. Permanent resident, but would like to have bank or quasi-bank accounts in
It is becoming harder to be under the radar now that Japan has a ‘My Number’ tracking system. It is necessary to register this when sending funds out of the country, at a personal level, as in a transfer.
Re: your need, I notice that TransferWise has finally managed to get set up in Japan. Not a real bank bank, from my understanding, but good and cheap.
Personally, I am looking at funds invested, then spending allowed via cards, as in a Swissquote
investment account. https://en.swissquote.com/?sq_country=US
In Japan, generally you need permission beyond a tourist visa to have a domestic bank account - or used to. Regulations do change.
Shinsei, Prestia, and Japan Post bank accounts are the easiest to get here.
And how do you find life here in restricted-travel Japan, this strange year?