Banks and shinkin in Okinawa
3 banks are headquartered in Okinawa, and 1 shinkin serve it (Okinawa region). Local institutions tend to win on branch conversations, local mortgages and SME lending; nationwide banks win on ATM reach and English support.
Banks headquartered in Okinawa
Regional and second-tier regional banks are the main option when you want salary, bills, a mortgage and business lending handled locally.
Bank of the Ryukyus
琉球銀行Local residents and SMEs in Okinawa; branch relationships; local lending
Regional bankBank of Okinawa
沖縄銀行Local residents and SMEs in Okinawa; branch relationships; local lending
Second-tier regional bankOkinawa Kaiho Bank
沖縄海邦銀行Local residents and SMEs in Okinawa; branch relationships; local lending
Shinkin serving Okinawa (1)
Local residents, sole proprietors and SMEs within the institution’s operating and membership area.
- コザ信用金庫
List as of 2026-03-31. App, card, NISA, mortgage, foreign-currency and English support all vary by institution and must be checked individually.
How shinkin work →Nationwide banks that also serve Okinawa
These are the individually researched nationwide options. Many residents pair one of them with a local institution — the local bank for lending, the nationwide one for ATMs, online applications and English support.