みんなの銀行

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


・Deposits and withdrawals can be made using a smartphone
・Virtual debit is 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
◎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 3 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.
・0.2% of the usage amount will be returned in cash

■Manage money
<“Record” to record automatically>
- Visualize money movements such as checking balances and withdrawals from Minna no Bank and other companies' services (other banks, securities accounts, credit cards, electronic money, 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
・Instead of a “deferred payment service” where you can pay whenever you want
*Premium (600 yen per month) registration required

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

■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 on 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 decided 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. If repayment is not made, the scheduled repayment amount will be automatically deducted from your savings account.
◎Loan product overview
https://www.minna-no-ginko.com/common/pdf/loan_gaiyo.pdf
*Please check the product overview manual for details.

■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 automatic cover (overdraft) up to 50,000 yen.
・Savings deposit standard interest rate increased by +0.2% to 0.3% (0.239% after tax)
*0.1% for non-premium members (0.079% after tax)
*The above interest rates are annual interest rates. Subject to change due to 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
・If you do not cancel your subscription at least 24 hours before the end of the contract period, it will be automatically renewed and a monthly fee will be charged.
*Billing method
- Charge to your Google account using the payment method set up.
*How to cancel
・Uninstalling the app will not cancel the subscription. Please cancel from 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 card that can be used for shopping immediately
・I want to start money management
・I want to start cashless
・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, Ltd. is a member of Fukuoka Financial Group, Ltd., the largest regional financial group in Japan.


・Virtual debit, cover, 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)


・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.
customer_support@cs.minna-no-ginko.com