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Pays / 🇯🇵 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.

BanqueMax rate p.a.Base rateWhat the top rate needsLien
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.Aller à la banque
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.Aller à la banque
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.Aller à la banque

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.