みんなの銀行

Open a digital bank account in as little as 5 minutes with みんなの銀行, Japan's fully online banking solution that eliminates branch visits, seals, and paperwork. Available 24/7, 365 days a year, this mobile-first bank lets you manage your entire financial life from your smartphone.

Deposit and withdraw cash instantly at Seven Bank ATMs nationwide, with no fees for under-25 users on three monthly transactions. A virtual debit card is issued immediately upon account opening—perfect for tap-to-pay shopping at JCB member stores and online purchases through Google Pay. Earn 0.2% cash back on every debit card purchase, and enjoy shopping insurance on your transactions.

Save smarter with industry-leading interest rates: 0.6% annually on standard savings deposits, or 0.8% per year as a premium member—significantly above typical bank offerings. Create virtual "money boxes" to organize savings by purpose, with automatic daily, weekly, monthly, or yearly contributions. Use the app's powerful money management features to visualize your assets and transaction history across multiple accounts, seeing exactly where your money goes through easy-to-understand graphs.

Transfer money fee-free between みんなの銀行 accounts, or use the unique "Kotora Transfer" to send funds using just a phone number or email address. Set up fixed automatic transfers for bills or savings goals, and enjoy peace of mind with deposit insurance protection on all savings.

For premium members, access exclusive benefits: eliminate ATM withdrawal and transfer fees up to 10 times monthly, boost your savings rate by an additional 0.2%, and get 1% cash back on debit spending. The "Advance Money" service automatically covers shortfalls up to ¥50,000, protecting you from failed payments.

Borrow money on your terms with instant online approval—no phone calls, no paperwork, no waiting. Same-day preliminary screening and borrowing available with flexible interest-only repayment options. Limits up to ¥10 million at competitive rates of 1.5%–14.5% annually.

Security is paramount: biometric authentication via fingerprint or facial recognition, multi-factor verification on all transactions, and encrypted connections protect your account from unauthorized access. Whether you're busy, prefer cashless payments, or want to take control of your finances, みんなの銀行 delivers banking when and how you need it—all from your phone.