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NEOBANK

WikiFX | 2025-06-19 16:39

摘要:  NEOBANK Sumishin Net Bank, which opened in Japan in 1986, offers a lot of online financial services, such as bank accounts, personal loans, investment integration with NEOBANK Securities, and a number of app-based tools. However, Japan's Financial Services Agency (FSA) does not oversee the company's retail investment activity.

NEOBANK Review Summary
Founded1986
Registered Country/RegionJapan
RegulationNo regulation
Products & ServicesDigital banking, deposits, loans, investments, FX, robo-advisors, insurance
Platform/APPMultiple mobile apps (Sumishin NEOBANK, MoneyTap, Mametas, etc.)
Customer SupportPhone: 0120-188-226

NEOBANK Information

NEOBANK Sumishin Net Bank, which opened in Japan in 1986, offers a lot of online financial services, such as bank accounts, personal loans, investment integration with NEOBANK Securities, and a number of app-based tools. However, Japan's Financial Services Agency (FSA) does not oversee the company's retail investment activity.

NEOBANK's homepage

Pros and Cons

Pros Cons
Comprehensive financial servicesNo regulation
Low-cost domestic services & internal transfers

Is NEOBANK Legit?

NEOBANK Sumishin Net Bank is based in Japan, however Japan's main financial authority for investment and brokerage activities, the Financial Services Agency (FSA) for retail forex, does not directly oversee it.

WHOIS records show that the domain netbk.co.jp was registered on April 5, 2006, and is still active. Its current status is “Connected,” and it will be valid until April 30, 2026.

Domain information

Products and Services

NEOBANK Sumishin Net Bank offers a comprehensive range of financial services, such as digital banking, loans, investments, and deposit alternatives. These services are available to both individuals and businesses.

Products & ServicesSupported
Yen Deposits & Structured Deposits✔
Foreign Currency Deposits & Remittances✔
NEOBANK Hybrid Deposit✔
NEOBANK Securities Integration✔
Robo-Advisors✔
Insurance✔
Mortgage Loans✔
Card Loans✔
Auto/Education/Real Estate Loans✔
Public Racing✔
Sports Betting✔
Products and Services

NEOBANK Fees

When it comes to deposit interest rates and domestic transfers, NEOBANK Sumishin Net Bank's fees are usually lower than or equal to the average in the industry. Many services, like keeping your account up to date, using some ATMs, and transferring money within the bank, are free. The interest rates on mortgages and credit cards depend on the amount and type of loan, although they are usually in the same range for Japanese banks.

Interest Rates

CategoryAnnual Interest Rate (as of June 2025)
Yen Savings Account0.20%
Yen Time Deposit (1 Month)0.23%
Foreign Currency SavingsUSD: 0.20%, EUR/GBP: 0.10%, ZAR: 1.00%, CHF: 0.001%
Foreign Currency Fixed TermUSD: Up to 4.20%, EUR: Up to 1.70%, ZAR: Up to 6.10%
Mortgage (10-Year Fixed)3.50%
Card Loan2.49% – 14.79% (tiered by loan amount)

Commissions

FeesDetailsAmount
ATM FeesApp-based withdrawals (e.g., Seven Bank, Lawson)0
Card-based withdrawals (beyond free quota)¥165–¥330 per use
TransfersTo NEOBANK accounts0
To other banks (individuals)From ¥77 (after free quota)
To other banks (corporates)¥145
Reversal fee¥880
Mortgage FeesLoan handling (upfront)2.2% of loan amount
Full prepayment (during fixed rate)¥33,000
Loan condition changes¥5,500
Card-Related FeesDebit card issuance (initial)0
Debit card reissue (e.g., loss, PIN reset)¥1,100
Authentication card reissue (loss)¥550
StatementsMailed monthly statements¥880/month
Online PDF/CSV statements0
OthersAccount maintenance0
NEOBANK Fees

Platform/APP

Trading PlatformSupported Available Devices Suitable for
Sumishin NEOBANK Net Bank (General)✔iOS, AndroidPersonal banking, balance checks, biometric login, PC approval
Corporate Account App✔iOS, AndroidSecure corporate banking transactions
Foreign Currency Deposits App✔iOS, AndroidForeign currency savings, real-time rates, alerts
Money Forward for Sumishin NEOBANK✔iOS, AndroidAsset management, expense tracking
Mametas by WealthNavi✔iOS, AndroidMicro-investing with spare change
Smart Life Designer✔iOS, AndroidLife planning, simulation tools, finance education
Finbee (Automatic Savings)✔iOS, AndroidScheduled automatic savings
MoneyTap (Instant Transfers)✔iOS, Android24/7 instant transfers with biometric authentication
Platform/APP

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