As of 28 September 2026, Aozora Bank ranked first for ordinary deposits at 1.0% and is scheduled to raise the rate to 1.2% from October. SBI Shinsei Bank led five-year time deposits at 1.95%, while Sony Bank ranked first for 10-year deposits at 1.50%, with rate increases progressing broadly.
As of 28 September, the top 3 banks in the ordinary deposit ranking were unchanged: Aozora Bank at 1.000%, Minna Bank at 0.500% and au Jibun Bank at 0.410%. However, under upcoming revisions, Aozora Bank is expected to raise its rate by 0.1 percentage point to 1.2% on 1 October and maintain it at that level, while other banks are scheduled to raise their rates successively on 19 October and 1 November.
SBI Shinsei Bank topped the five-year time deposit ranking at 1.950%, followed by au Jibun Bank at 1.800% and Aozora Bank at 1.700%. All three banks are raising their five-year rates from the previous survey, but their rates remain broadly aligned.
Sony Bank topped the 10-year time deposit ranking at 1.500%, with multiple banks tied for second at around 1.25% each. While 10-year rates are approaching the levels offered by major banks, Sony Bank has pulled ahead.
The rate table for major banks shows that many are scheduled to revise ordinary deposit rates to 0.5% on 2 November. Japan Post Bank is also scheduled to revise its rate from 0.4% to 0.5%. For time deposits, rates are moving toward alignment for both five-year and 10-year terms.