Japan’s first “digital bank” created by a regional banking group (Fukuoka Financial Group), launched in 2021. Fully app-based with no branches and no passbook, focused on in-wallet pots and instant notifications.
Requires a Japanese mobile number, a residence card and presence in Japan; short-stay visitors cannot apply.
These are stable, standing account benefits (not time-limited) — available as long as you qualify:
No. You must be in Japan with a residence card and a Japanese mobile number; short-stay visitors cannot open an account.
No initial deposit and no minimum balance — the account can be opened at zero.
A Japanese mobile number, residence card (both sides), a Japanese address, and My Number where required.
In-app eKYC takes about 10–15 minutes, with review usually the same day to a few days.
Common reasons: applying from outside Japan, no residence card, too little remaining residence, or failed KYC.
Standing benefits: No Monthly Fee, No Min Deposit, Fully Online, Digital Bank, Fast Approval. Promotions change by region and quarter — always check the bank's official promo page (verified 2026-10).
Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.