みんなの銀行

In-app purchases
500K+
Downloads
Content rating
Everyone
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About this app

[account opening]
・It is possible to open an account immediately, 24 hours a day, 365 days a year, with smartphone completion.
・Use the video call function from the app to verify your identity.
・You don't need to send documents by mail, you can open an account on the same day with just a smartphone.
・Account opening procedure 
STEP1: Enter customer information
STEP2: Upload identity verification documents
STEP3: Identity verification Video authentication → Identity verification at Minna no Bank
*Please make sure that your browser's camera is enabled.
STEP4: Login settings (password settings, SMS authentication, branch selection, ATM PIN settings, etc.)


[Security]
・By limiting the number of smartphones used by each customer to one, unauthorized operations by malicious third parties are prevented.
・In addition, we have implemented multiple security measures, so you can use it with confidence.


[Introduction of main functions]
■ Wallet (ordinary deposit)
・At Minna no Bank, a savings account is called a wallet.
・You can deposit and withdraw without a card at any time using Seven Bank ATMs.
・You can immediately check your account balance and deposit/withdrawal details anytime, anywhere.

■ Box (savings deposit)
・You can create a virtual “box” in your savings account.
・With the image of a "box" that can easily organize and organize money, you can easily sort money according to various purposes.
- Up to 20 boxes can be created.
・Daily, weekly, monthly, and yearly automatic accumulation is possible.

■Debit Card
・As soon as an account is opened, in principle, all customers will be issued a virtual (cardless) debit card free of charge. (As a result of the examination, we may refuse to issue a debit card.)
・ Immediately after issuance, it can be used within the deposit balance at domestic and overseas JCB merchants (QUICPay+, Internet payment, etc.).
・Immediately issued at the same time as opening an account, and can be used immediately.
・Since it is a direct payment that is directly connected to your account, you can rest assured that you will not overspend.
・Compatible with Google Pay™.
・If you pay with a debit card, you will get 0.2% of the amount spent, and 1% cash back if you use premium services.
・You can change the usage limit, suspend or cancel the usage, etc. with Minna no Bank app.

■ Record (Aggregation)
・ By linking information from other financial institutions, credit cards, transportation ICs, and electronic money, you can centrally manage your balance and assets with the app.
・Hashtags and memos can be attached to the data of the partner, and the money can be reviewed in an easy-to-understand manner.

■ Loan
・Free to use, once you sign a contract, you can borrow and repay anytime you like
・ Everything from application to loan repayment can be completed with the app. Easy examination by inputting only annual income.
・Maximum amount: 10 million yen, annual interest rate: 1.5% to 14.5%
・Period of use: 1 year (automatic renewal)
・Example of card loan total cost 
Borrowing period: 30 days
Borrowing amount: 300,000 yen, with a real annual interest rate of 5%
 The repayment interest amount is 1,233 yen, and the total repayment amount is 301,233 yen.
*Calculation formula 300,000 yen x 30 days ÷ 365 x 5% interest
*The interest rate will be determined by the bank after examination.
・Repayment method: Please repay the agreed repayment amount (interest amount from the 1st of the previous month to the last day of the previous month) by operating the app by the end of each month. If repayment is not made through the app by the last day of each month, the scheduled repayment amount will be automatically withdrawn from the customer's bank account for repayment on the last day of each month.
・ Please refer to the link below for the product overview of the loan.
 https://www.minna-no-ginko.com/common/pdf/loan_gaiyo.pdf
*Depending on the examination results, we may not be able to meet your request.
* For details, please check the loan page on the official website and the product overview manual.


[U25 Z split]​
・Those under the age of 25 will be free of ATM withdrawal fees up to 3 times a month and transfer fees to other banks up to 3 times a month.


[Premium Service]
・This service is available for 600 yen per month.

■ Preferential fees
・ATM withdrawal fee will be free up to 10 times a month.
・Transfer fees to other banks are waived up to 10 times a month.
* The free number of times will be added to the U25 Z percent.

■ Debit Card
・1% of debit card usage amount will be cash back.
・The damage or theft of domestic shopping purchased with a debit card is compensated for up to 1 million yen per year.

■ Cover (overdraft)
・It is a service that automatically pays up to 50,000 yen.
・The cover is an additional option (free) of the premium service.
・No interest will be charged.
*Depending on the examination results, we may not be able to meet your request.

■ Record function upgrade
・ You can update the data of the linked destination at your favorite timing. (Bulk manual update)

■ Savings deposit interest rate
・The interest rate on savings deposits will increase to 0.30% (0.239% after tax).
*0.10% for non-premium members (0.079% after tax)
*The above interest rates are annual interest rates. Subject to change due to market interest rates and other factors.
*The above deposits are covered by deposit insurance and are protected within the scope of the insurance.

[Premium service period]
・ Premium service is automatically renewed for one month from the start date.
・ If you do not cancel the automatic renewal at least 24 hours before the end of the contract period, the contract period will be automatically renewed and the monthly fee will be charged.


[Billing method]
・You will be charged via your Google account.


[How to cancel premium service]
・Please note that the premium service will not be canceled just by uninstalling the Minna no Bank app.
・If you wish to cancel the subscription, please do so from the Google Play Store in the "Payment & Subscriptions" section of the Google Account that you purchased from. You cannot cancel from Minna no Bank app.
・You can cancel a subscription or check the contract status by following the steps below.
Google Play Store > Tap the profile icon on the top right > "Payment & Subscriptions" > "Subscriptions" > Minna no Bank PREMIUM > Tap "Cancel subscription"


[Notice]
・When using the Minna no Bank app, please check the terms of use and the 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/

・Application operating environment (supported OS)
 Android 8~

・Eligible users
 Only individuals over the age of 15 (under 15, FATCA target, CRS target, PEPs, foreigners, corporations, associations / foundations without legal capacity, voluntary groups are not eligible)


[inquiry]
・If you have any questions, requests, or problems with the app, please contact the following email address.
 customer_support@cs.minna-no-ginko.com
Updated on
Feb 16, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted