みんなの銀行

みんなの銀行

In-app purchases

About this app

- Completely digital process with no branch visit, no seal required, and no mailing required.
- Open an account in as little as 5 minutes, 24 hours a day, 365 days a year.
*As little as 5 minutes: using My Number card and password authentication.


- Deposits and withdrawals can be completed using your smartphone
- A virtual debit card is issued at the same time as account opening


- Limited to one transaction terminal, and multiple authentication factors to prevent unauthorized access by third parties
- Supports biometric authentication such as fingerprints and facial recognition
◎About security measures
https://www.minna-no-ginko.com/security/

[Basic Functions]
■Deposit and Withdraw Money
- Deposit and withdraw at Seven Bank ATMs nationwide
- If you are under 25, you can enjoy the "U25 Z Discount" with free ATM withdrawal and transfer fees three times a month

■Send Money
- No transfer fees between Minna no Bank accounts
- Fixed-amount automatic transfers can also be set up
- Supports "Kotora Transfer," which allows you to send money using a phone number or email address (fees apply)

■ Saving Money
・ Regular Savings Deposit: 0.5% per year (0.398% after tax)
・ Savings Deposit (Savings/Box): 0.6% per year (0.478% after tax)

※ Premium Member Savings Deposits: 0.8% per year (0.637% after tax)
※ The above deposits are protected by deposit insurance.
※ Interest rates are subject to change depending on market interest rates. Interest is subject to a 20.315% tax rate, including the special income tax for reconstruction.

[Unique Features]
■Sorting Money

- Organize your money by purpose within the app
- Choose your own name for saving in a way that suits you
- Automatically save daily, weekly, monthly, and yearly

◎Other Uses
- Save for things you want
- Save in advance for monthly bills
- Digitally sort envelopes

■Paying Money

- A virtual debit card is automatically issued upon account opening. A physical card can also be issued.
- Compatible with Google Pay™. Can be used for online shopping and tap-to-play payments at JCB member stores.
- Instantly debits up to your account balance, preventing overspending like cash.
- Earn 0.2% of your spending back in cash. *The fee for issuing a physical card is ¥1,100 (tax included). It's free for premium members. Your order will be delivered to your registered address approximately 10 days after application.

■Manage your money

- Visualize your assets and transaction history from bank accounts, securities accounts, credit cards, and more.
- Easy-to-understand graphs. Use it as a household ledger with a simple income and expenditure overview.

■ Advance Money

・Automatically advance up to ¥50,000 in shortfalls
・Instead of the "Pay Later" service, which lets you pay whenever you like.
*Premium service (¥600/month/first 6 months free) registration required.

◎For these situations:
・Insufficient balance for ATM withdrawals
・Need to make an immediate payment
・Prevent insufficient balance for utility bill deductions when making debit payments

■ Borrow Money

・No paperwork required; "Simple screening" based only on annual income level
・No mailings or phone calls to verify identity when applying
・Preliminary screening results available as soon as same day, and borrowing possible on the same day after signing the contract
・Interest-only repayments also available. Easy to use, even for first-time users
- Limit: Up to 10 million yen, Annual Interest Rate: 1.5%-14.5%
- Usage Period: 1 year (automatic renewal)

■ Use it for great savings

- ATM withdrawal fees and other bank transfer fees waived up to 10 times per month
- 1% cash back on debit card spending
- Shopping Insurance (domestic) also covers debit card purchases
- Apply for automatic overdraft coverage up to ¥50,000
- Savings deposit interest rate: 0.8% per year (0.637% after tax), an additional 0.20% above the base interest rate

◎ Recommended for:
- Don't have time to go to the bank
- Want a payment card that can be used immediately for shopping
- Want to start managing your money
- Want to start using cashless payment methods
- Don't want to carry a wallet
- Want to save on bank fees
・I want to earn more interest.

*Interest rates are subject to change based on market interest rates. Interest is subject to a 20.315% tax, including the special income tax for reconstruction.
*Offering period
・Automatically renews for one month from the start date.
・Subscriptions will automatically renew unless canceled at least 24 hours before the end of the contract period.
*Billing method
・You will be charged via your Google account.
*Cancellation method
・Uninstalling the app will not cancel your subscription. Please cancel your subscription from the Google Play Store in the "Payment and Subscriptions" section of the Google account you used to purchase the service. You cannot cancel your subscription from the Minna no Bank app.
*To cancel or check your subscription status:
Google Play Store > Profile icon in the upper right > "Payments and Subscriptions" > "Subscriptions" > Minna no Bank PREMIUM > "Cancel Subscription"

■Opening an Account
STEP 1: Enter your customer information
STEP 2: Upload your ID documents
STEP 3: Video ID verification
STEP 4: Login settings

■Operating Company
Minna no Bank Co., Ltd.
6-27 Nishinakasu, Chuo-ku, Fukuoka City, Fukuoka Prefecture
We are a member of Fukuoka Financial Group, Inc. (listed on the Tokyo Stock Exchange Prime Market), Japan's largest regional financial group.

■Notes
- Debit cards, insurance, and loans may not be available depending on the application results.
- Only individuals aged 15 or older are eligible. (Those under 15, FATCA-related entities, CRS-related entities, PEPs, foreigners, corporations, non-legal associations/foundations, and voluntary organizations are excluded.)
- For the latest information, please visit the official website: https://www.minna-no-ginko.com/


- Please review the Terms of Use and Privacy Policy before using the Minna no Ginko app.
Terms of Use: https://corporate.minna-no-ginko.com/term-of-use/
Privacy Policy: https://corporate.minna-no-ginko.com/privacy/

- This application connects to external services and waits for messages for chat help services. Therefore, it requests foreground service permission to wait for messages.

- For questions, requests, or app issues, please contact us at the address below.

[e-mail]