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 | |
| Founded | 1986 |
| Registered Country/Region | Japan |
| Regulation | No regulation |
| Products & Services | Digital banking, deposits, loans, investments, FX, robo-advisors, insurance |
| Platform/APP | Multiple mobile apps (Sumishin NEOBANK, MoneyTap, Mametas, etc.) |
| Customer Support | Phone: 0120-188-226 |
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.

| Pros | Cons |
| Comprehensive financial services | No regulation |
| Low-cost domestic services & internal transfers |
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.

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 & Services | Supported |
| 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 | ✔ |

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
| Category | Annual Interest Rate (as of June 2025) |
| Yen Savings Account | 0.20% |
| Yen Time Deposit (1 Month) | 0.23% |
| Foreign Currency Savings | USD: 0.20%, EUR/GBP: 0.10%, ZAR: 1.00%, CHF: 0.001% |
| Foreign Currency Fixed Term | USD: Up to 4.20%, EUR: Up to 1.70%, ZAR: Up to 6.10% |
| Mortgage (10-Year Fixed) | 3.50% |
| Card Loan | 2.49% – 14.79% (tiered by loan amount) |
Commissions
| Fees | Details | Amount |
| ATM Fees | App-based withdrawals (e.g., Seven Bank, Lawson) | 0 |
| Card-based withdrawals (beyond free quota) | ¥165–¥330 per use | |
| Transfers | To NEOBANK accounts | 0 |
| To other banks (individuals) | From ¥77 (after free quota) | |
| To other banks (corporates) | ¥145 | |
| Reversal fee | ¥880 | |
| Mortgage Fees | Loan handling (upfront) | 2.2% of loan amount |
| Full prepayment (during fixed rate) | ¥33,000 | |
| Loan condition changes | ¥5,500 | |
| Card-Related Fees | Debit card issuance (initial) | 0 |
| Debit card reissue (e.g., loss, PIN reset) | ¥1,100 | |
| Authentication card reissue (loss) | ¥550 | |
| Statements | Mailed monthly statements | ¥880/month |
| Online PDF/CSV statements | 0 | |
| Others | Account maintenance | 0 |

| Trading Platform | Supported | Available Devices | Suitable for |
| Sumishin NEOBANK Net Bank (General) | ✔ | iOS, Android | Personal banking, balance checks, biometric login, PC approval |
| Corporate Account App | ✔ | iOS, Android | Secure corporate banking transactions |
| Foreign Currency Deposits App | ✔ | iOS, Android | Foreign currency savings, real-time rates, alerts |
| Money Forward for Sumishin NEOBANK | ✔ | iOS, Android | Asset management, expense tracking |
| Mametas by WealthNavi | ✔ | iOS, Android | Micro-investing with spare change |
| Smart Life Designer | ✔ | iOS, Android | Life planning, simulation tools, finance education |
| Finbee (Automatic Savings) | ✔ | iOS, Android | Scheduled automatic savings |
| MoneyTap (Instant Transfers) | ✔ | iOS, Android | 24/7 instant transfers with biometric authentication |
