みんなの銀行

みんなの銀行

In-app purchases

About this app

・Completely digital, no store visits, no seals, no mailing, no shipping.
・Open an account 24 hours a day, 365 days a year

＜Simplify and reduce the amount of things you carry with cardless＞
・Deposits and withdrawals can be made using a smartphone
・Virtual debit card issued at the same time as account opening


・Limit transaction terminals to one and use multiple authentication factors to prevent unauthorized operations by third parties
- Compatible with biometric authentication such as fingerprints and faces
◎About security measures
https://www.minna-no-ginko.com/security/

[Basic functions]
■Save money/deposit and withdraw money
・Deposits and withdrawals at Seven Bank ATMs throughout Japan
・Cardless, you can deposit and withdraw money using just your smartphone

★If you are under 25 years old, "U25 Z discount"
ATM withdrawal fees and transfer fees are free 33 times a month

■ Send money

・Free transfer fees between Minna's bank accounts
・You can set automatic fixed amount transfer.


・Supports “Kotora Remittance” which allows you to send money with no fees
・You can send money using your phone number or email address

[Unique feature]
■ Sorting money

・Organize your money by purpose within the app
・You can freely choose a name and save as you like
・Automatic savings available daily, weekly, monthly, and yearly

◎How to use it like this
・Savings for things you want to buy
・Advance savings to prepare for monthly payments
・Complete envelope savings digitally

■Spend money

・Compatible with Google Pay™. Can be used for online shopping and touch payments at JCB member stores
・Immediately withdraw money from your account within the amount of your deposit balance, making it feel like cash to prevent overspending.
・Cashback of 0.2% of the usage amount in cash

■Manage money
<“Record” to record automatically>
・Visualize the movement of money, such as checking the balance of assets and withdrawing amounts from Minna no Bank and other companies' services (other banks, securities accounts, credit cards, electronic money, transportation ICs, etc.)
-Easy to understand with graph display. Use it as a household account book with a simple way to understand income and expenditure

■ Advance the money
<“Cover” that does not require interest in case of emergency>
・Automatically replace insufficient balance up to 50,000 yen
・Can be used as an alternative to "deferred payment service" where you can pay at any time
*Registration for premium service (600 yen per month) is required.

◎At times like this
・Insufficient balance for ATM withdrawal
・I want to pay now
・Preventing insufficient balance when debiting utility charges when making debit payments
・Prevent insufficient balance when paying utility bills with virtual debit card

■borrow money

・No documents required, just apply and enter your annual income
・When applying, there is no mail sent to your home or office, or a phone call to confirm your identity.
・Temporary examination results will be answered on the same day at the earliest, and you can borrow the same day after signing the contract.
・Interest-only repayments are also possible. Easy to use even for first-time users
・Maximum amount: up to 10 million yen, annual interest rate: 1.5% to 14.5%
・Usage period: 1 year (automatic renewal)
*Interest rate will be determined by our bank after examination.
Repayment method: You can repay each time using the app. Repay the minimum repayment amount determined at the beginning of the month (the interest amount from the 1st to the last day of the previous month) by the end of the month. Repay the scheduled repayment amount (interest amount from the first day of the previous month to the last day of the previous month) by the last day of each month using the app. If the repayment is not made, the scheduled repayment amount will be automatically deducted from the customer's savings account for repayment.
◎Loan product overview
https://www.minna-no-ginko.com/common/pdf/loan_gaiyo.pdf
*For more details, please check the loan page and product overview manual.

■Use for good value
<“Premium” for more freedom for 600 yen per month>
・ATM withdrawal fees and transfer fees to other banks are free up to 10 times a month
・Cash back 1% of debit card usage amount
・Shopping insurance (domestic) also covers products purchased by debit card
・You can apply for a cover (overdraft service) that automatically advances up to 50,000 yen.
・Savings deposit interest rate will increase to 0.30% until September 1, 2024, and 0.40% from September 2, 2024, with an addition of 0.20% to the base interest rate!
*For non-premium members: 0.10% until September 1, 2024, 0.20% from September 2, 2024
*Interest rates are shown before annual interest rate and tax. Interest is subject to a tax of 20.315%, including special income tax for reconstruction.
*The above interest rates are annual interest rates. Subject to change depending on market interest rate conditions, etc.
*The above deposits are covered by deposit insurance and will be protected within the scope of this insurance.
*Offer period
・Automatically updated for 1 month from the start date
・Automatically renews at least 24 hours before the end of the contract period If you do not cancel your subscription, it will be automatically renewed and you will be charged a monthly fee.
*Billing method
・You will be charged via your Google account using the payment method you set.
*How to cancel
・Uninstalling the app will not cancel the subscription. Please cancel from "Payments and Subscriptions" of the Google account purchased from Google Play Store.
◎Steps to cancel regular purchase and check contract status
Google Play Store > Profile icon on the top right > "Payment and subscription" > "Subscription" > Minna no Bank PREMIUM > "Cancel subscription"

■Recommended for these people
・I don't have time to go to the bank
・I want a payment card that I can use immediately for shopping.
・I want to start money management
・I want to start cashless
・I don't want to carry my wallet around
・I want to save on bank fees


STEP1: Enter customer information
STEP2: Upload identity verification documents
STEP3: Identity verification video authentication
STEP4: Login settings


Minna no Bank Co., Ltd.
is a member of Fukuoka Financial Group Co., Ltd., the largest regional financial group in Japan.
6-27 Nishinakasu, Chuo-ku, Fukuoka City, Fukuoka Prefecture


・Virtual debit cards, covers, and loans may not be available depending on the screening results.
- Can only be used by individuals 15 years of age or older (not applicable to persons under 15 years of age, FATCA-eligible entities, CRS-eligible entities, PEPs, foreigners, corporations, associations/foundations without legal capacity, and voluntary organizations)
・Please check the official website for the latest information: https://www.minna-no-ginko.com/


・When using the Minna no Bank app, please check the terms of use and personal information protection declaration.
Terms of use: https://corporate.minna-no-ginko.com/term-of-use/
Personal information protection declaration: https://corporate.minna-no-ginko.com/privacy/

・If you have any questions, requests, or problems with the app, please contact us below.
[e-mail]