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Paesi / 🇯🇵 Japan

Migliori tassi time deposit in Japan

Tassi time deposit in JPY da 8 fornitori, letti direttamente dal sito di ogni banca ogni giorno, più 0 altri fornitori da verificare. Ordinati per tasso; nessun ranking a pagamento.

Ultimo controllo 18 Oct 2026, 05:37 UTC · tutti i 8 fornitori · ordinary deposit

Miglior tasso a 3 mesi

0.50% p.a.

Japan Post Bank (ゆうちょ銀行)

Tasso di riferimento

Miglior tasso a 6 mesi

1.20% p.a.

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

Tasso di riferimento · min ¥500,000

Miglior tasso a 12 mesi

1.40% p.a.

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

Tasso di riferimento · min ¥500,000

Miglior tasso per un deposito di ¥1,000,000, aperto a tutti i clienti. Le promozioni possono terminare prima; conferma con la banca.

Confronta i tassi time deposit

5 banche con un tasso a 12 mesi per ¥1,000,000

Banca	Tasso annuo	Durata	Deposito	Dettagli	Link
Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期	1.40%≈ ¥14,000 in 12 months	12 mesi	¥500,000 +	Tasso di riferimento BANK The 定期 (BANK digital branch); Minimum ¥500,000; Fixed rate before tax	Vai alla banca
Japan Post Bank (ゆうちょ銀行)定期貯金 (Teiki Chokin)	0.50%≈ ¥5,000 in 12 months	12 mesi	Non indicato	Tasso di riferimento 定期貯金 (time savings) standard rate; Rates before tax	Vai alla banca
MUFG Bank (三菱UFJ銀行)スーパー定期 (Super Teiki)	0.50%≈ ¥5,000 in 12 months	12 mesi	fino a ¥2,999,999	Tasso di riferimento Standard (店頭) rate for deposits under ¥3 million; Rates before tax	Vai alla banca
Mizuho Bank (みずほ銀行)スーパー定期 (Super Teiki)	0.50%≈ ¥5,000 in 12 months	12 mesi	fino a ¥2,999,999	Tasso di riferimento Branch standard rate for deposits under ¥3 million (スーパー定期); Rates before tax	Vai alla banca
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 mesi	fino a ¥2,999,999	Tasso di riferimento Standard rate for deposits under ¥3 million (スーパー定期); Rates before tax	Vai alla banca

"Fresh funds" indica denaro trasferito da un'altra banca. I tassi di riferimento sono tassi fissi; le promozioni sono a tempo limitato. Come raccogliamo e verifichiamo i tassi.

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.

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Benchmark ufficiali

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

BOJ basic discount rate and basic loan rate 2026091.50%

Fonte: boj.or.jp, stat-search.boj.or.jp. Mostrato come punto di riferimento, non come raccomandazione.

Protezione del deposito: Deposit Insurance Corporation of Japan (DICJ)

Limite¥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. Fonte, verificato 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

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