One of Japan’s largest online banks, tightly linked to Rakuten Points, Rakuten Securities and the Rakuten Card. Relatively easy to open and extremely popular among Japan residents.
You need a Japanese address and residence card; short-stay visitors cannot apply. Account documents or cards are usually sent by post.
These are stable, standing account benefits (not time-limited) — available as long as you qualify:
Limited. Foreigners with a residence card and a Japanese address can apply; short-stay visitors cannot.
No initial deposit and no minimum balance — the account can be opened at zero.
Your residence card (both sides), proof of Japanese address, a Japanese mobile number, and My Number where required.
The online application takes about 10–20 minutes, with review typically a few days to a week.
Common reasons: too little remaining residence, mismatched address proof, inconsistent details, failed KYC or an invalid postal address.
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.