Rakuten Bank vs PayPay Bank vs au Jibun Bank
Three ecosystem-linked online banks compared — the right pick usually follows the ecosystem you already use.
Who this is for: People choosing a fee-free online bank tied to a points/telecom ecosystem. · Last verified: 2026-07-28
Quick verdict by situation
Comparison
| Bank | Monthly account fee | Point ecosystem | Brokerage integration | Foreign-currency account | International transfers |
|---|---|---|---|---|---|
| Rakuten Bank | Free | Rakuten Points | Yes | Yes | Yes |
| PayPay Bank | Free | PayPay Points | Not confirmed | Yes | Not confirmed |
| au Jibun Bank | Free | Ponta Points | Yes | Yes | Yes |
Key differences
- All are fee-free online banks — the ecosystem link is the deciding factor.
- Rakuten and au Jibun offer documented brokerage integration; confirm current terms.
- Point-program rules change frequently — verify earn rates and conditions before relying on them.
Three directly comparable ecosystem-linked consumer online banks.
Alternatives
- Sony Bank — An online-only bank popular for strong foreign-currency features, a multi-currency debit card, and a well-regarded app.
Before you apply
Who this is for
People choosing a fee-free online bank tied to a points/telecom ecosystem.
Selection criteria
Three directly comparable ecosystem-linked consumer online banks.
Eligibility and documents
Eligibility depends on the bank, residence status and current documents. We do not predict approval.
How to apply
Check the official application page, prepare identity and residence documents, and keep your registered name consistent.
Fees and limits
Fee schedules, free-use allowances, exchange rates and transaction limits can change; verify them for your route before applying.
Trade-offs
All are fee-free online banks — the ecosystem link is the deciding factor. Rakuten and au Jibun offer documented brokerage integration; confirm current terms. Point-program rules change frequently — verify earn rates and conditions before relying on them.
Warnings
No placement implies approval, universal suitability or future value. Never send passwords or one-time codes.
FAQ and banking terms
Use the linked account-opening guide, banking FAQs and glossary for residence card, identity verification and transfer terminology.
Frequently asked questions
Does this comparison guarantee account approval?
No. Check each bank’s current eligibility and document requirements. We do not estimate approval likelihood.
Can I choose based on this fee table alone?
No. Fees, free-use allowances, exchange rates and limits change; verify the official schedule before applying.
Does “Not confirmed” mean a feature is unavailable?
No. It means official evidence was not established, so we do not turn an unknown into “No”.