SBI Sumishin Net Bank 住信SBIネット銀行
Online bank · SBI Group and SMTB
One of Japan’s largest online banks by deposits, well integrated with SBI Securities and known for competitive FX and its NEOBANK platform.
The JBA member list dated 2026-08-03 records this institution under the DOCOMO SMTB Net Bank name, replacing Sumishin SBI Net Bank.
2026-08-03
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 | SBI Sumishin Net Bank |
| Monthly account fee | Free — Standard yen ordinary-deposit account | SBI Sumishin Net Bank |
| Branch access | No | SBI Sumishin Net Bank |
| Digital-only | Yes | SBI Sumishin Net Bank |
| Online application | Yes | SBI Sumishin Net Bank |
| ATM network | No own ATMs; uses convenience-store and partner ATMs. | SBI Sumishin Net Bank |
| Foreign-currency account | Yes | SBI Sumishin Net Bank |
| International transfers | Not confirmed | — |
| Debit card | Yes | SBI Sumishin Net Bank |
| Brokerage integration | Yes — SBI Hybrid deposit links with SBI Securities. | SBI Sumishin Net Bank |
| 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
- Tight SBI Securities integration for investing
- Competitive FX and a Mastercard debit
- No monthly account fee
- Service is Japanese-first
- Feature-dense for beginners
- No branches
Who this is for
- SBI Securities investors
- People wanting competitive FX in an 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). 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
- SBI Sumishin Net Bank — Ordinary Deposit — The standard everyday yen account at SBI Sumishin Net 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
- Sony Bank — An online-only bank popular for strong foreign-currency features, a multi-currency debit card, and a well-regarded app.
- Rakuten Bank — One of Japan’s largest online banks by number of accounts, tightly integrated with the Rakuten ecosystem (card, points, securities).