Countries / 🇯🇵 Japan

Best time deposit rates in Japan

JPY time deposit rates from 8 providers, read directly from each bank's website every day, plus 0 more providers to check. Sorted by rate; no paid rankings.

Last checked 18 Oct 2026, 05:37 UTC · all 8 providers · ordinary deposit

Best 3-month rate

0.50% p.a.

Japan Post Bank (ゆうちょ銀行)

Board rate

Best 6-month rate

1.20% p.a.

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

Board rate · min ¥500,000

Best 12-month rate

1.40% p.a.

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

Board rate · min ¥500,000

Best rate for a ¥1,000,000 deposit, open to any customer. Promotions can end early; confirm with the bank.

Compare time deposit rates

Tenure
Rate type
Options

5 banks with a 12-month rate for ¥1,000,000

BankRate p.a.TenureDepositDetailsLink
Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期1.40%≈ ¥14,000 in 12 months12 months¥500,000 +Board rate
BANK The 定期 (BANK digital branch); Minimum ¥500,000; Fixed rate before tax
Go to bank
Japan Post Bank (ゆうちょ銀行)定期貯金 (Teiki Chokin)0.50%≈ ¥5,000 in 12 months12 monthsNot statedBoard rate
定期貯金 (time savings) standard rate; Rates before tax
Go to bank
MUFG Bank (三菱UFJ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 monthsup to ¥2,999,999Board rate
Standard (店頭) rate for deposits under ¥3 million; Rates before tax
Go to bank
Mizuho Bank (みずほ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 monthsup to ¥2,999,999Board rate
Branch standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
Go to 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 months12 monthsup to ¥2,999,999Board rate
Standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
Go to bank

"Fresh funds" means money brought in from another bank. Board rates are standing rates; promos are time-limited. How we collect and check rates.

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

1 months: 0.55% at Rakuten Bank (楽天銀行)0.55%1-month3 months: 0.50% at Japan Post Bank (ゆうちょ銀行)0.50%3-month6 months: 1.20% at Aozora Bank (あおぞら銀行, BANK digital branch)1.20%6-month12 months: 1.40% at Aozora Bank (あおぞら銀行, BANK digital branch)1.40%12-month24 months: 1.50% at Aozora Bank (あおぞら銀行, BANK digital branch)1.50%24-month36 months: 1.60% at Aozora Bank (あおぞら銀行, BANK digital branch)1.60%36-month

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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Official benchmarks

Uncollateralized overnight call rate (BOJ policy rate operating target), daily average 202610141.228%
BOJ basic discount rate and basic loan rate 2026091.50%

Source: boj.or.jp, stat-search.boj.or.jp. Shown as a reference point, not a recommendation.

Deposit protection: 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. Source, checked 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?

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.

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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We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.