PayPay Bank PayPay銀行
Online bank · SoftBank / PayPay group
Japan’s first internet bank (formerly Japan Net Bank), now integrated with the PayPay cashless 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 | PayPay Bank |
| Monthly account fee | Free — Standard yen ordinary-deposit account | PayPay Bank |
| Branch access | No | PayPay Bank |
| Digital-only | Yes | PayPay Bank |
| Online application | Yes | PayPay Bank |
| ATM network | No own ATMs; uses convenience-store ATMs. | PayPay Bank |
| Foreign-currency account | Yes | PayPay Bank |
| International transfers | Not confirmed | — |
| Debit card | Yes | PayPay Bank |
| Brokerage integration | Not confirmed | — |
| Point ecosystem | PayPay Points | PayPay 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
- Integrates with the PayPay cashless ecosystem
- Long track record as an internet bank
- No monthly account fee
Limitations
- Service is Japanese-first
- Benefits are strongest for PayPay users
- No branches
Who this is for
- Heavy PayPay users
- People wanting a simple online bank
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). 14 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
- PayPay debit, Visa debit and Google Pay
- Online / mobile banking
- App with smartphone ATM access
- ATM / cash access
- Offered
Borrowing
- Mortgage
- Offered
- Consumer / card loans
- Offered
Investing, insurance & estate
- Investments / NISA
- Offered
- iDeCo / retirement
- Varies, and may run through a partner — not confirmed
- Insurance
- Offered as partner products
- Inheritance / trust / estate
- Limited — scope varies
International & English
- Foreign-currency deposits
- Offered
- International remittance
- Partner web service
- English / multilingual support
- Limited
- Trade finance / overseas business
- Limited — scope varies
Business banking
- Business / corporate account
- Offered
- Sole-proprietor banking
- Offered — confirm the product route
- Business financing
- Offered
- Business internet banking
- Offered
Accounts & products
- PayPay Bank — Ordinary Deposit — The standard everyday yen account at PayPay 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).
- au Jibun Bank — A smartphone-centric online bank in the au (KDDI) economic zone, with Ponta-point integration and links to the au ecosystem.