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Countries / 🇯🇵 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.

BankMax rate p.a.Base rateWhat the top rate needsLink
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.Przejdź do banku
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.Przejdź do banku
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.Przejdź do banku

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.