Banking in Japan
Best online banks and accounts for 2026
Best online banks and accounts for 2026
Asia Pacific
Up to ¥2,000 in Rakuten Points for new account holders who complete qualifying transactions
Open Account →High-yield savings account at 0.2% APY, unlimited ATM withdrawals with qualifying balance
Open Account →ATM fee rebates up to 10 times/month, 0.3% interest on savings with SBI Securities linkage
Open Account →0.2% base interest rate, boosted to 0.4% with au services connection
Open Account →Japan operates a cash-heavy but rapidly digitalizing economy. Online banks now offer dramatically better rates than megabanks like MUFG, Sumitomo, and Mizuho. Foreign residents can open accounts at some online banks with a My Number card.
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Get USim Plan →Bremo is an independent comparison and editorial resource. This page covers banking options in Japan for informational purposes. Offers and interest rates change frequently — verify current terms directly with the bank. Bremo may earn affiliate commissions when you use our links. Information does not constitute financial advice. Not affiliated with any government or regulatory body. Coverage accuracy verified June 2026.