au Jibun Bank auじぶん銀行
Online bank · KDDI (au) and MUFG
A smartphone-centric online bank in the au (KDDI) economic zone, with Ponta-point integration and links to the au ecosystem.
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 | au Jibun Bank |
| Monthly account fee | Free — Standard yen ordinary-deposit account | au Jibun Bank |
| Branch access | No | au Jibun Bank |
| Digital-only | Yes | au Jibun Bank |
| Online application | Yes | au Jibun Bank |
| ATM network | No own ATMs; uses convenience-store ATMs. | au Jibun Bank |
| Foreign-currency account | Yes | au Jibun Bank |
| International transfers | Yes | au Jibun Bank |
| Debit card | Yes | au Jibun Bank |
| Brokerage integration | Yes — Links to au Kabucom Securities. | au Jibun Bank |
| Point ecosystem | Ponta Points | au Jibun Bank |
| 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
- Smartphone-first design
- Ponta and au ecosystem integration
- No monthly account fee
Limitations
- Service is Japanese-first
- Benefits are strongest for au users
- No branches
Who this is for
- au (KDDI) and Ponta users
- Smartphone-first banking
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). 12 of 20 were confirmed on official pages; 2 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
- Smartphone debit, au PAY and wallet integrations
- Online / mobile banking
- App-centred banking
- ATM / cash access
- Offered
Borrowing
- Mortgage
- Offered
- Consumer / card loans
- Offered
Investing, insurance & estate
- Investments / NISA
- Offered — securities, funds and robo-advisor
- iDeCo / retirement
- Offered
- Insurance
- Offered as partner products
- Inheritance / trust / estate
- Limited — scope varies
International & English
- Foreign-currency deposits
- Offered
- International remittance
- Domestic foreign-currency transfer — verify overseas remittance separately
- English / multilingual support
- English pages are published
- Trade finance / overseas business
- Limited — scope varies
Business banking
- Business / corporate account
- Offered
- Sole-proprietor banking
- Varies by institution — not confirmed
- Business financing
- Varies by institution — not confirmed
- Business internet banking
- Offered — confirm the corporate scope
Accounts & products
- au Jibun Bank — Ordinary Deposit — The standard everyday yen account at au Jibun Bank, with no monthly maintenance fee.
About required documents
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
- Rakuten Bank — One of Japan’s largest online banks by number of accounts, tightly integrated with the Rakuten ecosystem (card, points, securities).
- PayPay Bank — Japan’s first internet bank (formerly Japan Net Bank), now integrated with the PayPay cashless ecosystem.