As of November 2026, various banks are running campaigns at the same time covering account opening, deposits and withdrawals, and time deposits, with the period and conditions announced for each campaign.
SBI Shinsei Bank is running a campaign that adds an annual rate equivalent to 5.00% before tax for 3 months when customers combine a NISA account opening with SBI Hyper Deposit. The 3 requirements are opening a NISA account, opening a Hyper Deposit account and enrolling. For minors, cash benefits for opening a children's account and an enhanced rate on yen time deposits are available. A welcome program offering up to ¥20,200 equivalent for opening a new account and using various services is also being promoted.
At Rakuten Bank, a campaign offers up to 35,000 points for meeting multiple conditions, including opening an account, making deposits, maintaining an ordinary yen deposit balance and setting up Rakuten Card direct debit. A separate offer provides ¥3,000 in cash for making an international remittance. Under the referral program, the referrer receives up to 1,000 points per referral, while the referred person receives up to 35,000 points.
Sumitomo Mitsui Banking Corporation is running multiple campaigns centered on opening an Olive account, under which customers can receive V Points or V Point Pay gifts by meeting multiple conditions. Points accumulate as each condition is met, such as setting up salary payments or starting regular investment contributions. Banks including docomo Bank and UI Bank are also promoting multiple measures in parallel, including payments at partner stores, cashback and special time deposit rates.
Each campaign has detailed rules covering the period, eligible stores and conditions, and many of the campaigns run from summer through autumn 2026. Readers need to select the campaigns for which they meet the eligibility requirements.