Minna Bank みんなの銀行
Digital (app-only) bank · Fukuoka Financial Group
A fully digital, app-only bank from Fukuoka Financial Group — no passbook or physical branch, designed to open and run entirely from a smartphone.
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 | Digital (app-only) bank | Minna Bank |
| Monthly account fee | Free — Standard yen ordinary-deposit account | Minna Bank |
| Branch access | No | Minna Bank |
| Digital-only | Yes | Minna Bank |
| Online application | Yes | Minna Bank |
| ATM network | No own ATMs; uses convenience-store ATMs. | Minna Bank |
| Foreign-currency account | Not confirmed | — |
| International transfers | Not confirmed | — |
| Debit card | Yes | Minna 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
- Fully app-based, quick smartphone onboarding
- Modern, minimal interface
- No monthly account fee
- App-only — no passbook or in-person service
- Service is Japanese-first
- Narrower feature set than large online banks
Who this is for
- People who want a simple, fully digital second account
What this is not
- People who need branches, passbooks 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
- Minna Bank — Ordinary Deposit — The standard everyday yen account at Minna 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
- PayPay Bank — Japan’s first internet bank (formerly Japan Net Bank), now integrated with the PayPay cashless ecosystem.
- au Jibun Bank — A smartphone-centric online bank in the au (KDDI) economic zone, with Ponta-point integration and links to the au ecosystem.