Joyo Bank 常陽銀行
Regional bank · Ibaraki · JBA Full Member
Joyo Bank is a regional bank whose core market is Ibaraki. It provides everyday retail banking alongside lending, asset-management and business services for local households and SMEs. It is most relevant to customers who live, work, own property or run a business in Ibaraki, particularly when branch relationships, local mortgage/loan knowledge or SME financing matter. Digital services are increasingly important, but exact app, card, international and online-account-opening capabilities should be checked at product level.
Who it suits
- Individuals and SMEs in Ibaraki and surrounding areas
- Local residents and SMEs in Ibaraki; branch relationships; local lending
- Local primary account in Ibaraki; salary/bills; local mortgage; local SME financing; branch relationship
- Customers outside the bank’s core region, and anyone prioritising English support or a digital-only service
What this bank offers
9 of 20 items were checked on official pages; 10 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
- Offered, but the product varies by institution
- Salary / pension receiving
- Offered, but the product varies by institution
- Direct debit / bill payment
- Offered, but the product varies by institution
- Debit / cashless payment
- Cashless payment services
- Online / mobile banking
- App and internet banking, with smartphone account opening
- ATM / cash access
- Offered, but the product varies by institution
Borrowing
- Mortgage
- Offered
- Consumer / card loans
- Offered
Investing, insurance & estate
- Investments / NISA
- NISA, investment trusts and foreign-currency products
- iDeCo / retirement
- Offered — presented alongside NISA
- Insurance
- Offered
- Inheritance / trust / estate
- Pension, inheritance and senior-customer services
International & English
- Foreign-currency deposits
- Offered
- International remittance
- Usually at a branch or online — verify
- English / multilingual support
- Limited
- Trade finance / overseas business
- Usually offered — verify before relying on it
Business banking
- Business / corporate account
- Offered, but the product varies by institution
- Sole-proprietor banking
- Offered, but the product varies by institution
- Business financing
- Offered, but the product varies by institution
- Business internet banking
- Offered, but the product varies by institution
How solid this page is
| Bank code | 0130 |
|---|---|
| Classification | Regional bank — Regional Bank, JBA Full Member |
| Verification scope | Name, bank code and classification confirmed against the JBA member list. Service coverage includes category-level normalisation. — Official service pages/homepage reviewed + category normalization |
| Verified | 2026-08-15 |
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.
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- Tsukuba Bank — Ibaraki
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- Ashikaga Bank — Tochigi
- Awa Bank — Tokushima