GMO Aozora Net Bank GMOあおぞらネット銀行
Online bank · GMO Internet Group and Aozora Bank
An online bank often chosen by freelancers and small businesses for low transfer fees and developer-friendly features.
English support, by channel
| Website | Not confirmed |
|---|---|
| Application | Not confirmed |
| Mobile app | Not confirmed |
| Phone support | Not confirmed |
| Branch | Not confirmed |
Channels without documentation read “Not confirmed” — based on official documentation, not anecdotes.
Key facts (with sources)
| Category | Value | Sources |
|---|---|---|
| Bank type | Online bank | GMO Aozora Net Bank |
| Monthly account fee | Free — Standard yen ordinary-deposit account | GMO Aozora Net Bank |
| Branch access | No | GMO Aozora Net Bank |
| Digital-only | Yes | GMO Aozora Net Bank |
| Online application | Yes | GMO Aozora Net Bank |
| ATM network | No own ATMs; uses convenience-store ATMs. | GMO Aozora Net Bank |
| Foreign-currency account | Not confirmed | — |
| International transfers | Not confirmed | — |
| Debit card | Yes | GMO Aozora Net Bank |
| Brokerage integration | Not confirmed | — |
| Point ecosystem | Not confirmed | — |
| Deposit insurance | Yes — Covered by the Deposit Insurance System up to ¥10 million in principal plus interest per depositor, per bank. | Deposit Insurance System |
Advantages
- Positioned around low transfer fees
- Business and developer-friendly features
- No monthly account fee
- Service is Japanese-first
- Smaller ecosystem than the largest online banks
- No branches
Who this is for
- Freelancers and small businesses minimising transfer costs
What this is not
- People who need branches or English service
What this bank offers
Service coverage across 20 dimensions, from the JBA member directory (checked 2026-08-15). 6 of 20 were confirmed on official pages; 0 are typical for this category rather than confirmed for this bank.
- Offered
- Typical for this category — verify
- Limited
- Corporate / institutional only
- Not offered
- Not confirmed
Everyday banking
- Personal deposit account
- Offered
- Salary / pension receiving
- Offered
- Direct debit / bill payment
- Offered
- Debit / cashless payment
- Offered
- Online / mobile banking
- Offered
- ATM / cash access
- Offered
Borrowing
- Mortgage
- Varies by institution — not confirmed
- Consumer / card loans
- Varies by institution — not confirmed
Investing, insurance & estate
- Investments / NISA
- Varies, and may run through a partner — not confirmed
- iDeCo / retirement
- Varies, and may run through a partner — not confirmed
- Insurance
- Varies, and may run through a partner — not confirmed
- Inheritance / trust / estate
- Limited — scope varies
International & English
- Foreign-currency deposits
- Varies by institution — not confirmed
- International remittance
- Varies by institution — not confirmed
- English / multilingual support
- Varies by institution — not confirmed
- Trade finance / overseas business
- Limited — scope varies
Business banking
- Business / corporate account
- Varies by institution — not confirmed
- Sole-proprietor banking
- Varies by institution — not confirmed
- Business financing
- Varies by institution — not confirmed
- Business internet banking
- Varies by institution — not confirmed
Accounts & products
- GMO Aozora Net Bank — Ordinary Deposit — The standard everyday yen account at GMO Aozora Net Bank, with no monthly maintenance fee.
Banks typically request a residence card or ID, My Number, and a Japanese address. Exact documents vary by residence status, account type and timing. We do not estimate approval. Always confirm current requirements on the bank’s official pages and with the Immigration Services Agency.
Alternatives
- SBI Sumishin Net Bank — One of Japan’s largest online banks by deposits, well integrated with SBI Securities and known for competitive FX and its NEOBANK platform.
- PayPay Bank — Japan’s first internet bank (formerly Japan Net Bank), now integrated with the PayPay cashless ecosystem.