01 Bank ０１銀行
Digital (app-only) bank · Nationwide · JBA Associate Member
This institution does not offer general retail banking in Japan. It is listed here so the directory is complete, not as an option for opening a personal account.
01 Bank is a digital bank built primarily for business customers rather than ordinary individual retail banking. Its proposition centers on online business finance and account functionality connected to lending and business operations. It is relevant to eligible Japanese companies seeking digitally underwritten business finance, but it should not be presented as a normal consumer bank.
Who it suits
- Digital-first personal and business customers
- Japanese incorporated SMEs seeking online business lending
- Japanese incorporated SMEs seeking online business lending — not a consumer setup
- Not confirmed.
What this bank offers
0 of 20 items were checked on official pages; 3 are typical for this category rather than confirmed for this bank. A solid dot means verified, a dashed one means typical — verify it.
- Offered
- Typical for this category — verify
- Limited
- Corporate / institutional only
- Not offered
- Not confirmed
Everyday banking
- Personal deposit account
- Not applicable to general retail customers
- Salary / pension receiving
- Not applicable to general retail customers
- Direct debit / bill payment
- Not applicable to general retail customers
- Debit / cashless payment
- Not applicable to general retail customers
- Online / mobile banking
- Not applicable to general retail customers
- ATM / cash access
- Not applicable to general retail customers
Borrowing
- Mortgage
- Not applicable to general retail customers
- Consumer / card loans
- Not applicable to general retail customers
Investing, insurance & estate
- Investments / NISA
- Not applicable to general retail customers
- iDeCo / retirement
- Not applicable to general retail customers
- Insurance
- Not applicable to general retail customers
- Inheritance / trust / estate
- Not applicable to general retail customers
International & English
- Foreign-currency deposits
- Not applicable to general retail customers
- International remittance
- Not applicable to general retail customers
- English / multilingual support
- Limited
- Trade finance / overseas business
- Limited — verify before relying on it
Business banking
- Business / corporate account
- Offered to eligible borrowers
- Sole-proprietor banking
- Not offered — the bank focuses on corporate customers
- Business financing
- Offered to eligible borrowers
- Business internet banking
- Offered to eligible borrowers
Account-opening detail
Research notes recorded 2026-07-14, reproduced as written.
| Foreign-resident eligibility | Corporate-only. Applicant must be representative of a Japan-incorporated eligible company; current business-loan page requires representative to be Japanese national or foreign national with Japanese permanent residency. |
|---|---|
| How to apply | Online business account/loan flow |
| Documents and prerequisites | Corporate number, representative information, mobile/email; ID such as driver's license, My Number card or Residence Card; external bank transaction data linkage is used |
| Opening time | Business-loan application can complete as soon as same day in some cases; deposit account opened only when approved borrower actually borrows |
| Maintenance and dormancy fees | Not applicable to ordinary consumer use |
| ATM | Not a consumer transaction-bank proposition |
| Rates and deposits | Business loan: 1.5%–14.0% stated on official page as of 2026-07-14; ordinary deposit used as repayment account for borrowers |
| Digital and language | Online corporate platform |
Sources: 01bank.co.jp, 01bank.co.jp
How solid this page is
| Bank code | 0046 |
|---|---|
| Classification | Digital (app-only) bank — Digital / Business Bank, JBA Associate Member |
| Verification scope | Name, bank code and classification confirmed against the JBA member list. Service coverage includes category-level normalisation. — JBA classification + bank/product-level normalization; exact current terms require verification |
| Verified | 2026-08-15 |