Эта страница была автоматически переведена с английского. Ставки, банки и цифры идентичны английской версии.

Страны / 🇯🇵 Japan

Лучшие ставки time deposit в Japan

Ставки time deposit в JPY от 8 провайдеров, читаются напрямую с сайтов банков каждый день, плюс ещё 0 провайдеров для проверки. Сортировка по ставке; платных ранжировок нет.

Последняя проверка 18 Oct 2026, 05:37 UTC · все 8 провайдеров · ordinary deposit

Лучшая ставка для вклада ¥1,000,000, доступна любому клиенту. Промо‑акции могут закончиться раньше; уточните в банке.

Сравнить ставки time deposit

Срок
Тип ставки
Опции

5 банков с 12‑месячной ставкой для ¥1,000,000

БанкСтавка годовыхСрокВкладПодробностиСсылка
Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期1.40%≈ ¥14,000 за 12 месяцев12 месяцев¥500,000 +Базовая ставка
BANK The 定期 (BANK digital branch); Minimum ¥500,000; Fixed rate before tax
Перейти в банк
Japan Post Bank (ゆうちょ銀行)定期貯金 (Teiki Chokin)0.50%≈ ¥5,000 за 12 месяцев12 месяцевНе указаноБазовая ставка
定期貯金 (time savings) standard rate; Rates before tax
Перейти в банк
MUFG Bank (三菱UFJ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 за 12 месяцев12 месяцевдо ¥2,999,999Базовая ставка
Standard (店頭) rate for deposits under ¥3 million; Rates before tax
Перейти в банк
Mizuho Bank (みずほ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 за 12 месяцев12 месяцевдо ¥2,999,999Базовая ставка
Branch standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
Перейти в банк
Sumitomo Mitsui Banking Corporation (三井住友銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 за 12 месяцев12 месяцевдо ¥2,999,999Базовая ставка
Standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
Перейти в банк

"Свежие средства" означают деньги, переведённые из другого банка. Официальные ставки — постоянные; акции — ограничены по времени. Как мы собираем и проверяем ставки.

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-мес.3 months: 0.50% at Japan Post Bank (ゆうちょ銀行)0.50%3-мес.6 months: 1.20% at Aozora Bank (あおぞら銀行, BANK digital branch)1.20%6-мес.12 months: 1.40% at Aozora Bank (あおぞら銀行, BANK digital branch)1.40%12-мес.24 months: 1.50% at Aozora Bank (あおぞら銀行, BANK digital branch)1.50%24-мес.36 months: 1.60% at Aozora Bank (あおぞら銀行, BANK digital branch)1.60%36-мес.

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

Получайте письмо, когда ставки повышаются

Двойное подтверждение: сначала подтвердите по электронной почте. Одно письмо, когда лучшая ставка для вашего срока и суммы повышается. Отписаться в один клик.

Официальные бенчмарки

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

Источник: boj.or.jp, stat-search.boj.or.jp. Показано как справочная точка, а не рекомендация.

Защита вкладов: Deposit Insurance Corporation of Japan (DICJ)

Лимит¥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. Источник, проверено 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

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.

Missing a bank? Suggest one

Мы — сервис сравнения, а не банк: мы не принимаем вклады. Ставки могут изменяться без предупреждения; уточняйте их в банке перед внесением средств. Это не финансовая рекомендация.