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দেশসমূহ / 🇯🇵 Japan / Savings
Best ordinary deposit rates in Japan
The "up to" figure is the bank's own advertised maximum; the base rate is what you earn with no conditions met. Read daily from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.
| Bank | Max rate p.a. | Base rate | What the top rate needs | Link |
|---|
| Aozora Bank (あおぞら銀行, BANK digital branch)円普通預金（BANK） | up to 1.20% | – | BANK (digital branch) ordinary deposit: the shown rate applies up to ¥1,000,000; a lower rate applies above ¥1,000,000. | Go to bank |
| Rakuten Bank (楽天銀行)普通預金 | up to 0.40% | – | Standard ordinary deposit rate; higher rates apply with マネーブリッジ (Rakuten Securities link) or Rakuten Card bill payment. | Go to bank |
| Sony Bank (ソニー銀行)円普通預金 (Yen Savings Account) | up to 0.40% | – | Standard yen ordinary deposit rate; 円リッチプログラム adds up to +0.40% for salary/pension receipt, debit use, balance and mortgage. | Go to bank |
Bonus rates usually apply only to part of your balance and only in months you meet every condition. Read the bank's terms before moving money.