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Maruhan Japan Bank Lao review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Maruhan Japan Bank Lao suits businesses and individuals in Laos who want a branch bank deposit with a variable rate and passbook access. The monthly fee of LAK 5,000 is the number to weigh, sitting above the free accounts at PayPal Colombia, Plazo ES and Skrill.

Key facts

Best for
A local easy-access deposit account for business money in Laos
Monthly fee
LAK 5,000↗
Currencies
3↗
Transfer fee
Outward remittance 0.2% starting from USD10 plus USD15 cable charge; inward remittance 0.05%, minimum USD5 maximum USD500; domestic transfer to another bank per transaction↗
Legal entity
MARUHAN Japan Bank Lao Co., Ltd.↗
Headquarters
Laos↗
Founded
2013↗
Support channels
Email, Phone↗
Audience
Business
Official website
maruhanjapanbanklao.com

Savings

Headline rate
1.89%↗
Rate type
Variable↗
Minimum deposit
LAK 5,000,000↗
Access terms
Deposit and withdrawal any time using passbooks and ATM card↗
Account kind
Easy access↗

Money transfer

Delivery time
Real-time for domestic transfers once approved↗
Payout methods
Bank, Cash-pickup↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Access terms allow deposits and withdrawals at any time using passbooks and an ATM card, per the access terms
  • A variable headline rate of 1.89% rather than a fixed deal
  • Currencies count of 3 suits a business holding more than one currency
  • Support runs on email and phone

Cons

  • A monthly fee of LAK 5,000 where PayPal Colombia, Plazo ES and Skrill charge none
  • The rate is variable, so 1.89% can move
  • Currencies count of 3 sits well below the multi-currency median of 5
Maruhan Japan Bank Lao

Ready to try Maruhan Japan Bank Lao?

Scored 8.6 / 10 by VaultCue.

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Who it suits

  • Businesses keeping working balances in Laos
  • Individuals who want passbook and ATM card access rather than an app only
  • Anyone paying and receiving in several currencies at once

Who should look elsewhere

  • Anyone wanting a free account, since Plazo ES and Skrill charge a monthly fee of €0 and €0
  • Anyone who needs a rate locked for the life of the account, since the rate type is variable
  • Anyone sending large sums abroad who wants a flat published price, since the transfer fee adds a cable charge to outward remittance

Fees and currency costs

The monthly fee is LAK 5,000 on the personal deposit account, against a site median of €0. Outward remittance is charged at a percentage from a set starting amount plus a cable charge, inward remittance runs at a lower percentage with a floor and a cap, and domestic transfers to another bank are charged per transaction. 3 currencies are held.

Rates and terms

The deposit pays a variable rate of 1.89%, and rate type is variable, so the figure can move with the bank. The account is easy-access rather than a fixed term, and money can be deposited or withdrawn at any time using passbooks and an ATM card. A minimum deposit of LAK 5,000,000 applies to open the account.

How Maruhan Japan Bank Lao compares

Where Maruhan Japan Bank Lao is available

Available
Laos
Licence in Laos
Bank of the Lao PDR (BOL), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the account cost each month?+

The personal deposit account carries a monthly fee of LAK 5,000. Most accounts on the comparison site charge nothing, with a site median of €0, so this is the main cost to weigh against the access you get.

What interest does the deposit pay?+

The deposit pays a variable rate of 1.89% and the rate type is variable. Because the rate can move, the figure you see is a current one rather than a fixed promise for the life of the account.

How do I get at my money?+

Deposits and withdrawals can be made at any time using passbooks and an ATM card, according to the access terms. The account kind is easy-access, so there is no fixed term to serve before money comes out.

Is my money protected?+

Maruhan Japan Bank Lao is licensed in Laos by the Bank of the Lao PDR (BOL). No deposit protection scheme is stated here, so treat the protection question as open and ask the bank directly before you commit.

How much do I need to open the account?+

A minimum deposit of LAK 5,000,000 applies to open the account. That sits above the everyday-accounts median of €0, so the opening balance is worth checking against the cash a business expects to keep on the account.

How much do transfers cost?+

Outward remittance is charged at a percentage starting from a small notional amount plus a cable charge, inward remittance carries a lower percentage with a floor and a cap, and a domestic transfer to another bank is charged per transaction. Remittance through an agent pays out to a bank account or as cash pickup.

How fast are payments?+

Delivery is real-time for domestic transfers once approved, and remittance payouts run to a bank account or as cash pickup through the agent network. Support runs on email and phone, so a pending transfer can be chased with the bank by phone or email.

Who is this account built for?+

The audience is business, and the rate sits below the business median of 3.5%. It suits a company or an individual in Laos holding local money and needing branch style access.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.

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