The Zai Online editorial team comprehensively compared ordinary deposit rates as of October 2026 and ranked online banks offering high rates. The rates are shown before tax and range from the 0.40% range to 1.20%.
This article compares current ordinary deposit rates and lists the online banks offering the highest rates. It points out that rates range from the 0.30% range to approximately 1.20%, and explains that rates may be higher when certain conditions are met, such as receiving salary payments or linking a securities account.
The banks and rates are as follows. Aozora Bank BANK offers an ordinary deposit rate of 1.20% on balances up to ¥1 million, with 0.65% applying to amounts above ¥1 million. Tokyo Star Bank offers 0.90%, UI Bank 0.85%, au jibun Bank 0.61%, SBI Shinsei Bank 0.60% and Sony Bank 0.60%. The article explains that each bank's rate may increase when specified conditions are met.