Major Net Banks Compared 2026 — Rakuten Bank, Sumishin SBI, PayPay Bank, au Jibun
Choose a net bank by "economy × rates/fees × account offer"
A net bank's account opening itself is a high-value point-activity offer (thousands to over 10,000 yen), and its economy tie-ins, rate perks, and transfer fees matter for your everyday budget too. Combined with your economy's card, brokerage, and payment, how easily points accumulate changes a lot. This article is a hub comparing the major net banks by economy. Always compare offer values on Pointnavi before opening an account. Pair it with the net-bank chapter.
Comparing the major net banks
| Bank | Economy | Features |
|---|---|---|
| Rakuten Bank | Rakuten | Rakuten Securities tie-in, earns Rakuten points |
| Sumishin SBI Net Bank | SBI group | SBI Securities tie-in, strong transfer-fee perks |
| PayPay Bank | PayPay/SoftBank | PayPay tie-in, instant deposit/withdrawal |
| au Jibun Bank | au/Ponta | au economy tie-in, rate perks |
Note: rates, fees, perks, and account offers get revised. Confirm the latest at each bank officially. Account-opening values shift by period, so compare each time on Pointnavi.
How to choose without regret
- Prioritize your economyRakuten → Rakuten Bank, SBI → Sumishin SBI, PayPay → PayPay Bank, au → au Jibun. economy comparison chapter.
- Think of it as a set with a brokerageA bank × brokerage tie-in makes rate perks and card-fund-investing advantageous. card fund-investing chapter.
- Open the account via point activityAccount opening is a high-value offer of thousands to over 10,000 yen. Compare on Pointnavi.
- Check transfer/ATM feesFree counts and perk conditions change your everyday cost.
The rule is to choose a net bank "as a set with your economy's card and brokerage." Collect the high-value account-opening offer while optimizing your everyday budget with rate perks, card-fund-investing, and free fees. net-bank chapter.
Cautions
- Account-offer conditions: "opening only" vs. "deposit/transaction" differ in value/conditions.
- Rate-perk conditions: rates can change with a brokerage tie-in or balance conditions. Check.
- Free fee counts: free transfer/ATM counts vary by rank or conditions.
- Don't open too many: within what you can manage. Don't leave unused accounts — tidy them up.
FAQ
Which net bank is best in the end?
Do I get a reward for just opening an account?
How many can I open?
This article was written from publicly available information on each point site as of May 2026. Cashback rates, campaign terms, and redemption rules can change without notice — always check each site's official page for the latest. This site uses each point site's referral program, but going through a referral link never changes the rate you receive.