Diese Seite wurde maschinell aus dem Englischen übersetzt. Zinsen, Banken und Zahlen entsprechen der englischen Seite.

Länder / 🇯🇵 Japan

Beste time deposit-Zinsen in Japan

JPY time deposit-Zinsen von 8 Anbietern, täglich direkt von den Websites der Banken gelesen, plus 0 weitere Anbieter zum Prüfen. Sortiert nach Zins; keine bezahlten Rankings.

Zuletzt geprüft 18 Oct 2026, 05:37 UTC · alle 8 Anbieter · ordinary deposit

Bester 3-Monats‑Zinssatz

0.50% p.a.

Japan Post Bank (ゆうちょ銀行)

Board-Rate

Bester 6-Monats‑Zinssatz

1.20% p.a.

Aozora Bank (あおぞら銀行, BANK digital branch)

Board-Rate · mind. ¥500,000

Bester 12-Monats‑Zinssatz

1.40% p.a.

Aozora Bank (あおぞら銀行, BANK digital branch)

Board-Rate · mind. ¥500,000

Bester Zinssatz für eine Einzahlung von ¥1,000,000, offen für alle Kunden. Aktionen können vorzeitig enden; prüfen Sie dies bei der Bank.

Vergleichen Sie time deposit-Zinsen

5 Banken mit einem 12‑Monats‑Zinssatz für ¥1,000,000

Bank	Zinssatz p.a.	Laufzeit	Einlage	Details	Link
Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期	1.40%≈ ¥14,000 in 12 months	12 Monate	¥500,000 +	Board-Rate BANK The 定期 (BANK digital branch); Minimum ¥500,000; Fixed rate before tax	Zur Bank
Japan Post Bank (ゆうちょ銀行)定期貯金 (Teiki Chokin)	0.50%≈ ¥5,000 in 12 months	12 Monate	Nicht angegeben	Board-Rate 定期貯金 (time savings) standard rate; Rates before tax	Zur Bank
MUFG Bank (三菱UFJ銀行)スーパー定期 (Super Teiki)	0.50%≈ ¥5,000 in 12 months	12 Monate	bis zu ¥2,999,999	Board-Rate Standard (店頭) rate for deposits under ¥3 million; Rates before tax	Zur Bank
Mizuho Bank (みずほ銀行)スーパー定期 (Super Teiki)	0.50%≈ ¥5,000 in 12 months	12 Monate	bis zu ¥2,999,999	Board-Rate Branch standard rate for deposits under ¥3 million (スーパー定期); Rates before tax	Zur Bank
Sumitomo Mitsui Banking Corporation (三井住友銀行)スーパー定期 (Super Teiki)	0.50%≈ ¥5,000 in 12 months	12 Monate	bis zu ¥2,999,999	Board-Rate Standard rate for deposits under ¥3 million (スーパー定期); Rates before tax	Zur Bank

"Frische Mittel" bedeutet Geld, das von einer anderen Bank eingebracht wird. Board‑Zinssätze sind feste Zinssätze; Aktionen sind zeitlich befristet. Wie wir Zinssätze sammeln und prüfen.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

Best rate open to any customer for ¥1,000,000 at each term, from today's verified offers. Hover a point for the bank.

Erhalte eine E‑Mail, wenn die Zinsen steigen

Doppeltes Opt-in: Bestätige zuerst per E‑Mail. Eine E‑Mail, wenn der beste Zinssatz für deine Laufzeit und deinen Betrag steigt. Mit einem Klick abmelden.

Offizielle Benchmarks

Uncollateralized overnight call rate (BOJ policy rate operating target), daily average 202610141.228%

BOJ basic discount rate and basic loan rate 2026091.50%

Quelle: boj.or.jp, stat-search.boj.or.jp. Als Referenzpunkt angezeigt, nicht als Empfehlung.

Einlagensicherung: Deposit Insurance Corporation of Japan (DICJ)

Limit¥10,000,000

Interest-bearing ordinary deposits, time deposits and similar are protected up to ¥10 million of principal plus interest accrued to the failure date, per depositor per financial institution; non-interest-bearing settlement deposits are protected in full; foreign-currency deposits are not covered. Quelle, geprüft 2026-10-18.

Where does your money earn most in Japan?

Best 12-month time deposit (Aozora Bank (あおぞら銀行, BANK digital branch))1.40%

Best savings account (Aozora Bank (あおぞら銀行, BANK digital branch))1.20%

Uncollateralized overnight call rate (BOJ policy rate operating target), daily average1.228%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Questions about deposits in Japan

What is the best 12-month time deposit rate in Japan today?

1.40% p.a. at Aozora Bank (あおぞら銀行, BANK digital branch) (minimum deposit: ¥500,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month time deposit rate in Japan today?

1.20% p.a. at Aozora Bank (あおぞら銀行, BANK digital branch) (minimum deposit: ¥500,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are time deposits in Japan protected?

How many banks do you compare in Japan?

We list 8 providers. Rates for 8 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do time deposit rates compare with the Uncollateralized overnight call rate (BOJ policy rate operating target), daily average?

The Uncollateralized overnight call rate (BOJ policy rate operating target), daily average is 1.228% (20261014). The best 12-month time deposit rate open to any customer today is 1.40%.

Deposit rates in nearby countries

🇮🇳 India 🇨🇳 China 🇮🇩 Indonesia 🇵🇰 Pakistan 🇧🇩 Bangladesh 🇵🇭 Philippines 🇻🇳 Vietnam 🇹🇭 Thailand

Add this rate table to your website

Copy this code into your page. The table updates daily and links back to each bank's page here.

<iframe src="https://getdeposited.com/embed/jp/" width="100%" height="380" style="border:0" title="Best deposit rates in Japan" loading="lazy"></iframe>

Missing a bank? Suggest one

Wir sind ein Vergleichsdienst, keine Bank: Wir nehmen keine Einlagen entgegen. Die Zinsen können sich ohne Vorankündigung ändern; prüfen Sie die Angaben bei Ihrer Bank, bevor Sie einzahlen. Keine Finanzberatung.