Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated October 17, 2026 · VaultCue Editorial Team

Top online banks compared in Japan

40 accounts available in Japan, ranked for Japan.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top online banks compared in Japan
OrderAccountScoreFeaturesKey factsActions
1
Statrys logo
StatrysTop pickPartner

Your account pays you back: HKD 188 per month

9.4/10
  • No monthly fee
  • Low FX
Monthly fee:
HK$0
Currency conversion fee:
0.1% to 0.15%
Currencies:
11
ReviewCompareSee alternatives
2
Klarna Bank logo
Klarna BankPartner

30% off Klarna Premium or Max for 3 months: 30% off for 3 months

9.3/10
  • Travelers
  • No monthly fee
  • Low FX
Monthly fee:
£0
Deposit protection:
FSCS up to GBP 85,000
Currency conversion fee:
0%
ReviewCompareSee alternatives
3
GMO Aozora Net Bank business account logo
GMO Aozora Net Bank business accountPartner

20 free other-bank transfers per month for newly opened accounts: 20 transfers per month free (up to 2,600 JPY)

9.3/10
  • No monthly fee
Monthly fee:
¥0
Currency conversion fee:
0%
Currencies:
9
ReviewCompareSee alternatives
4
MyMonty logo
MyMontyPartner
9.3/10
  • No monthly fee
Monthly fee:
€0
Deposit protection:
FSCS up to GBP 85,000
Currencies:
2
ReviewCompareSee alternatives
5
Revolut ES logo
Revolut ESPartner

Banking app offering bank accounts, savings and share investing from a phone.

9.3/10
    Licence type:
    Bank
    Currency conversion fee:
    0% to 1%
    Currencies:
    30
    		ReviewCompareSee alternatives
    6
    Aspiration logo
    AspirationPartner
    		9.1/10
    • No monthly fee
    • Free ATM
    Monthly fee:
    $0
    Deposit protection:
    FDIC up to USD 250,000
    Currency conversion fee:
    1%
    		ReviewCompareSee alternatives
    7
    Aspire logo
    AspirePartner

    Get 10% cashback on AI subscriptions

    		9.1/10
    • No monthly fee
    Monthly fee:
    SGD 0
    Currencies:
    13
    Transfer fee:
    Basic plan $0/month: local transfers free (ACH, wire, check, real-time $0); SWIFT send $5 (SHA) or $15 (OUR); SWIFT receive $0; FX from 0.22% above mid-market
    		ReviewCompareSee alternatives
    8
    Paysera logo
    PayseraPartner
    		9.1/10
    • No monthly fee
    Monthly fee:
    €0
    Licence type:
    E money
    Deposit protection:
    EU DGS up to EUR 100,000
    		ReviewCompareSee alternatives
    9
    Paysera Visa card logo
    Paysera Visa cardPartner
    		9.1/10
    • No monthly fee
    Monthly fee:
    €0
    Licence type:
    E money
    Deposit protection:
    EU DGS up to EUR 100,000
    		ReviewCompareSee alternatives
    10
    Alipay logo
    AlipayPartner
    		9.0/10
    • Travelers
    • No monthly fee
    Monthly fee:
    CN¥0
    Currencies:
    18
    Transfer fee:
    3% over RMB 200
    		ReviewCompareSee alternatives

    Licensed in Japan

    GMO Aozora Net Bank business account
    Kanto Local Finance Bureau, Financial Services Agency (registered deposit bank, 登金 第665号; bank code 0310)

    Other rankings

    Browse by category

    Other countries

    Statrys

    Statrys

    Top pick for Japan

    9.4/10See alternatives