Rakuten Bank 楽天銀行
Online bank · Rakuten Group
One of Japan’s largest online banks by number of accounts, tightly integrated with the Rakuten ecosystem (card, points, securities).
English support, by channel
| Website | Partial |
|---|---|
| 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 | Rakuten Bank |
| Monthly account fee | Free — Standard yen ordinary-deposit account | Rakuten Bank |
| Branch access | No | Rakuten Bank |
| Digital-only | Yes | Rakuten Bank |
| Online application | Yes | Rakuten Bank |
| ATM network | No own ATMs; uses convenience-store and partner ATMs. | Rakuten Bank |
| Foreign-currency account | Yes | Rakuten Bank |
| International transfers | Yes | Rakuten Bank |
| Debit card | Yes | Rakuten Bank |
| Brokerage integration | Yes — Links to Rakuten Securities (Money Bridge). | Rakuten Bank |
| Point ecosystem | Rakuten Points | Rakuten 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
- Deep Rakuten points and ecosystem integration
- Smooth linking to Rakuten Securities for investing
- No monthly account fee
Limitations
- English support is partial
- Benefits are strongest if you use other Rakuten services
- No branches
Who this is for
- Rakuten ecosystem users and Rakuten Securities investors
- Everyday online banking with points
What this is not
- People who need branches or English service
- Those outside the Rakuten ecosystem
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
- Card and Rakuten ecosystem integration
- Online / mobile banking
- Offered
- ATM / cash access
- Offered
Borrowing
- Mortgage
- Offered
- Consumer / card loans
- Offered
Investing, insurance & estate
- Investments / NISA
- Offered through Rakuten Securities integration
- iDeCo / retirement
- Varies, and may run through a partner — not confirmed
- Insurance
- Offered through a group company
- Inheritance / trust / estate
- Limited — scope varies
International & English
- Foreign-currency deposits
- Offered
- International remittance
- Offered
- English / multilingual support
- Account opening is documented in English; service after opening is mainly Japanese
- Trade finance / overseas business
- Limited — scope varies
Business banking
- Business / corporate account
- Offered
- Sole-proprietor banking
- Offered
- Business financing
- Offered, but the products vary by institution
- Business internet banking
- Offered
Accounts & products
- Rakuten Bank — Ordinary Deposit — The standard everyday yen account at Rakuten 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
- 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.