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Ülkeler / 🇯🇵 Japan

En iyi time deposit oranları Japan'de

JPY time deposit oranları 8 sağlayıcıdan, her gün doğrudan bankaların web sitesinden okunur, ayrıca kontrol edilecek 0 başka sağlayıcı daha var. Orana göre sıralanır; ücretli sıralama yok.

Son kontrol 18 Oct 2026, 03:42 UTC · tüm 8 sağlayıcı

En iyi 3 aylık oran

0.50% yıllık

Japan Post Bank (ゆうちょ銀行)

Kurul oranı

En iyi 6 aylık oran

1.20% yıllık

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

Kurul oranı · min ¥500,000

En iyi 12 aylık oran

1.40% yıllık

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

Kurul oranı · min ¥500,000

¥1,000,000 tutarındaki mevduat için en iyi oran, tüm müşterilere açık. Promosyonlar erken bitebilir; bankayla teyit edin.

time deposit oranlarını karşılaştır

Vade
Oran türü
Seçenekler

5 banka, ¥1,000,000 için 12‑aylık oran sunuyor

BankaOran p.a.VadeMevduatDetaylarBağlantı
Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期1.40%≈ ¥14,000 in 12 months12 ay¥500,000 +Kurul oranı
BANK The 定期 (BANK digital branch); Minimum ¥500,000; Fixed rate before tax
Bankaya git
Japan Post Bank (ゆうちょ銀行)定期貯金 (Teiki Chokin)0.50%≈ ¥5,000 in 12 months12 ayBelirtilmemişKurul oranı
定期貯金 (time savings) standard rate; Rates before tax
Bankaya git
MUFG Bank (三菱UFJ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 ayEn fazla ¥2,999,999Kurul oranı
Standard (店頭) rate for deposits under ¥3 million; Rates before tax
Bankaya git
Mizuho Bank (みずほ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 ayEn fazla ¥2,999,999Kurul oranı
Branch standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
Bankaya git
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 ayEn fazla ¥2,999,999Kurul oranı
Standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
Bankaya git

"Fresh funds" başka bir bankadan getirilen para anlamına gelir. Board rates sabit oranlardır; promosyonlar ise zaman sınırlıdır. Oranları nasıl toplar ve kontrol ederiz.

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

3 months: 0.50% at Japan Post Bank (ゆうちょ銀行)0.50%3 ay6 months: 1.20% at Aozora Bank (あおぞら銀行, BANK digital branch)1.20%6 ay12 months: 1.40% at Aozora Bank (あおぞら銀行, BANK digital branch)1.40%12 ay24 months: 1.50% at Aozora Bank (あおぞら銀行, BANK digital branch)1.50%24 ay36 months: 1.60% at Aozora Bank (あおぞら銀行, BANK digital branch)1.60%36 ay

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

Faizler yükseldiğinde e-posta alın

Çift onay: önce e-posta ile doğrulayın. Süreniz ve tutarınız için en iyi oran yükseldiğinde bir e-posta gönderilir. Tek tıkla abonelikten çıkabilirsiniz.

Resmi kıyaslamalar

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

Kaynak: boj.or.jp, stat-search.boj.or.jp. Referans olarak gösterilmiştir, tavsiye değildir.

Mevduat koruması: 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. Kaynak, kontrol edildi 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%
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, 03:42 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, 03:42 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

Biz bir karşılaştırma hizmetiyiz, banka değiliz: mevduat kabul etmiyoruz. Oranlar önceden bildirilmeden değişebilir; yatırmadan önce bankayla doğrulayın. Finansal tavsiye değildir.