レゾナのオンライン割引 Resona Bank
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: 節約
- アクセス／利用規約: 支店/ネットワーク
- 残高制限: 最低料金10,000円
Compare Savings Accounts in Japan
Live offers across tracked providers in Japan — updated daily from the Giraffy database.
Live offers
21 live offers compared from 14 providers, from 0.02% AER. Updated daily.
MUFGダイレクト貯蓄口座 MUFG Bank
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: 節約
- アクセス／利用規約: 支店/ネットワーク
- 残高制限: 最低料金10,000円
SMBCダイレクト貯蓄 SMBC
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: 節約
- アクセス／利用規約: 支店/ネットワーク
- 残高制限: 最低料金10,000円
SMBCトラスト・プレスティア貯蓄 SMBC Trust Prestia
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: 外貨／円建て貯蓄
- アクセス／利用規約: ネット/支店
- 残高制限: 最低10万円
ゆうちょ銀行貯蓄口座 Japan Post Bank
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: 通城彫金
- アクセス／利用規約: 支店/ATM
- 残高制限: 最低購入金額なし
セブン銀行の貯蓄口座 Seven Bank
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: オンライン割引
- アクセス／利用規約: ATM/ネット
- 残高制限: 最低購入金額なし
ソニー銀行の普通預金口座 Sony Bank
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: オンライン割引
- アクセス／利用規約: アプリ/ネット
- 残高制限: 最低購入金額なし
みずほオンライン貯蓄 Mizuho Bank
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: 節約
- アクセス／利用規約: 支店/ネットワーク
- 残高制限: 最低料金10,000円
SBI住信ネットバンク貯蓄 SBI Sumishin Net Bank
0.02% AER
- 金利: 年率0.02%
- アカウントの種類: オンライン割引
- アクセス／利用規約: アプリ/ネット
- 残高制限: 最低購入金額なし
新生銀行パワーフレックス貯蓄口座 Shinsei Bank
0.10% AER
- 金利: 年率0.1%
- アカウントの種類: オンライン割引
- アクセス／利用規約: アプリ/ネット
- 残高制限: 最低価格1円
楽天銀行普通預金口座 Rakuten Bank
0.18% AER
- 金利: 年率0.18%
- アカウントの種類: オンライン割引
- アクセス／利用規約: アプリ/ネット
- 残高制限: 最低購入金額なし
青空銀行 普通預金 Aozora Bank
0.20% AER
- 金利: 年率0.2%
- アカウントの種類: オンライン割引
- アクセス／利用規約: アプリ/ネット
- 残高制限: 最低購入金額なし
au Jibun Bank 普通預金口座 au Jibun Bank
0.20% AER
- 金利: 年率0.2%
- アカウントの種類: オンライン割引
- アクセス／利用規約: アプリ/ネット
- 残高制限: 最低購入金額なし
PayPay銀行の普通預金口座 PayPay Bank
0.30% AER
- 金利: 年率0.3%
- アカウントの種類: オンライン割引
- アクセス／利用規約: アプリ/ネット
- 残高制限: 最低購入金額なし
MUFGスーパー定期預金 MUFG Bank
0.30% AER
- 金利: 年率0.3%
- アカウントの種類: 定期預金
- アクセス／利用規約: 3ヶ月固定
- 残高制限: 最低1,000,000円
レゾナ定期預金 Resona Bank
0.30% AER
- 金利: 年率0.3%
- アカウントの種類: 定期預金
- アクセス／利用規約: 有期雇用
- 残高制限: 最低1,000,000円
auじぶん銀行普通預金 au Jibun Bank
0.31% AER
- 金利: 基本税率0.31％、最大0.65％
- アカウントの種類: 普通預金
- アクセス／利用規約: 即時アクセス
- 残高制限: jibunbank.co.jpをご覧ください。
楽天銀行 普通預金 Rakuten Bank
0.64% AER
- 金利: 0.30～0.64%
- アカウントの種類: 普通預金
- アクセス／利用規約: 即時アクセス
- 残高制限: 楽天銀行のウェブサイトをご覧ください。
あおぞらBANK普通預金 Aozora Bank
0.75% AER
- 金利: 0.75%
- アカウントの種類: 普通預金
- アクセス／利用規約: 即時アクセス
- 残高制限: 最初の100万円に対する最高金利
PayPay銀行のボーナス貯蓄 PayPay Bank
1% AER
- 金利: 年率1.0%
- アカウントの種類: ボーナス割引
- アクセス／利用規約: アプリ
- 残高制限: PayPay利用ボーナス
au Jibun Bank Plan au Jibun Bank
¥5000 /month
- Provider: au Jibun Bank
What are savings accounts in Japan?
Savings accounts in Japan are interest-bearing ordinary deposits (futsu yokin) and higher-yielding variants that keep money accessible while earning some return. After decades of ultra-low rates, savers now benefit from renewed competition, with online banks and linked accounts paying meaningfully more than the near-zero rates on traditional passbook accounts.
How the Japanese market works
Online and digital-first banks lead on rate. au Jibun Bank, Rakuten Bank, PayPay Bank and Aozora Bank offer elevated interest on ordinary deposits, often boosted when you link a securities account or meet activity conditions — for example, Rakuten Bank's higher rate for those linking Rakuten Securities, or au Jibun Bank's tiers tied to au services. Megabanks MUFG, SMBC and Resona, plus premium arms like SMBC Trust Prestia, offer stability and full-service banking at lower rates.
Benefits
Instant access — funds stay liquid and withdrawable at any time, unlike locked fixed deposits.
Higher online rates — digital banks and linked-account bonuses pay several times the rate of traditional passbook accounts.
Deposit insurance — balances are protected by DICJ up to ¥10 million of principal plus interest per bank.
How to choose
Compare the effective interest rate, including any bonus for linking a brokerage account or meeting activity conditions — the headline rate may require setup. Check ATM and transfer fee refunds, the app quality, and whether the account integrates with services you use (Rakuten, au, PayPay ecosystems). Keep balances at any single bank within the ¥10 million insured ceiling, and consider splitting money across a savings account for access and a fixed deposit for a higher locked rate.
Leading providers in Japan
au Jibun Bank, Rakuten Bank, PayPay Bank and Aozora Bank lead on savings rates, especially with linked-account bonuses. MUFG Bank, SMBC and Resona Bank offer the reassurance of megabank stability and branches, and SMBC Trust Prestia targets multi-currency and higher-balance savers with premium services.
What it costs
Holding a savings account is free. Interest rates in the market span roughly 0.02% on basic passbook accounts up to around 1.0% on the best online or linked-account deals, with the highest tiers usually requiring a securities-account link or activity conditions. Interest is subject to the standard withholding tax on deposit interest. The main out-of-pocket costs are ATM and transfer fees where not refunded by your account tier.
Protections and regulation
Banks are licensed and supervised by the Financial Services Agency (FSA), and ordinary deposits are covered by the Deposit Insurance Corporation of Japan (DICJ) up to ¥10 million of principal plus interest per depositor per bank. This makes savings accounts a very safe home for cash, provided you stay within the insured limit at each institution.
Common questions
How do I get the highest rate? The top online rates usually require linking a securities account or meeting activity conditions — for example, connecting Rakuten Securities to Rakuten Bank — so check the qualifying steps.
Savings account or fixed deposit? Savings accounts keep money accessible at a lower rate; fixed deposits pay more but lock funds for a term. Many savers use both.
Savings Accounts in Japan — FAQ
What is the highest savings rate in Japan right now?
Giraffy tracks 5 savings accounts across Resona Bank,MUFG Bank,SMBC,SMBC Trust Prestia,Japan Post Bank providers in Japan. Sort by highest rate and filter by account type (easy access vs. fixed) to find the best deal for your timeline.
Is my money safe in a savings account?
Yes — the Deposit Insurance Corporation (DIC) protects up to ¥10,000,000 per bank. Always confirm your institution is FSA-regulated before depositing. If your balance exceeds the protection limit, spread funds across multiple separately-licensed banks.
What does p.a. mean on a savings account?
p.a. (per annum) is the standardised rate that accounts for how often interest is compounded over a year. It's the fairest number to compare across accounts — always compare like-for-like using p.a. rather than the gross or monthly rate.
What is the difference between easy access and fixed-rate savings?
Easy access accounts let you withdraw your money at any time — rates are variable and may change. Fixed-rate bonds or term deposits lock your money away for a set period (usually 1–5 years) at a guaranteed rate, which is typically higher. Choose fixed if you don't need the funds before the term ends.
Do I pay tax on savings interest?
Tax on savings interest varies by country and income level. Check your country's tax authority guidance or speak to a financial adviser if your interest income is significant.
Can I open multiple savings accounts at different banks?
Yes — and it can be a smart strategy. Spreading savings across banks maximises your deposit protection (¥10,000,000 under the DIC per institution) and lets you earn the best rate at each bank. Just keep track of all accounts to avoid losing money to dormancy fees.
How quickly can I access my money in an easy access savings account?
Most easy access accounts transfer funds to a linked current account within one working day, and many process withdrawals the same day. Some accounts restrict the number of free withdrawals per month — check the terms before you open one if flexibility matters to you.