NestEgg

What NestEgg does

NestEgg, Inc. (株式会社ネストエッグ) is a Tokyo-headquartered Japanese fintech that operates finbee, a mobile-first automatic-savings application launched in December 2016 as Japan's first consumer savings app built on bank open-banking APIs. The service links users' bank accounts and credit cards to execute rule-based micro-savings transfers across eight or more behavioral savings rule types — including daily fixed deposits (つみたて), round-up on card purchases (おつり), step-count-triggered savings (歩数), GPS check-in savings (チェックイン), credit card advance pre-reservation (クレカ先取り), gamified quests (クエスト), shared goal savings (シェア), and virtual/trial savings (つもり). NestEgg is structured as a wholly-owned subsidiary of Infcurion Group, registered as an Electronic Payment Service Provider (Kanto Finance Bureau 電代 #4), and operates under Japan's Revised Banking Act open-banking framework with API connections to 12+ financial institutions including Mizuho Bank, Japan Post Bank, and SBI Sumishin Net Bank.

The technology stack combines bank API connectivity (under revised 銀行法) for account information and fund transfers, web-scraping-based aggregation (via partner Miroku Webcash International's Account Tracker) for credit card transaction data, and integrations with Apple HealthKit and Google Fit/Health Connect for health-data-driven savings triggers. Core mechanics are protected by Patent #6916604 (round-up savings, granted July 2021) with a second patent pending for the credit card advance savings feature introduced in May 2026. The service runs on iOS, Android, and web. Distribution extends beyond direct app-store installs via white-label embedding inside the りそな Wallet app (Resona Group banks) covering four savings rule types and via API integration with personal finance manager Zaim.

The revenue model combines freemium app economics with a paid subscription tier (finbee+, launched September 2025) at ¥300/month Basic or ¥500/month Premium, a usage-based points program redeemable for Amazon Gift Cards, and indirect monetization through bank partnership value of the open-banking infrastructure. The core service remains free to end users, with zero disclosed user-facing fees per the company's electronic payment disclosure. Target users skew heavily toward Japanese women in their 20s and broader millennial/Gen Z cohorts saving for travel, housing, weddings, hobbies, and shared life events with partners; adjacent segments include couples (shared savings), parents/children (digital allowance), and users with physical accessibility needs. Customer-facing metrics reported by the company include over 1,047,000 savings goals created and 297,000 goals achieved as of April 2026, with bank-linked users having cumulatively saved 1,000億円 across roughly nine years of operation.

Name

NestEgg

Legal name

株式会社ネストエッグ

Website

https://finbee.jp

Company type

Private

Founded year

2016

Operating status

Operating

Short description

NestEgg operates finbee, a Japanese mobile automatic-savings app that links consumer bank accounts via open-banking APIs to enable rule-based micro-savings across 12+ partner banks, serving Japanese millennials and Gen Z users.

Ownership category

akta.pro rank

Product category

Personal Finance Apps

NAICS

Depository Credit Intermediation (5221)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Savings Automation & Goal-Based Savings (FSAGADAC)

akta.pro secondary industries

Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Automatic savings app
• Personal finance
• Open banking API
• Micro-savings
• Digital wallet

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. finbee+ Subscription Revenue: A paid subscription tier called finbee+ offers ad-free experience and increased savings goal limits. Two plans are available: Basic (300 yen/month or 3,000 yen/year) allowing up to 20 savings goals, and Premium (500 yen/month or 5,000 yen/year) with unlimited savings goals. Both plans also unlock access to goal history and memo features for completed goals. The subscription auto-renews unless cancelled.
2. finbee Points Redemption: Points are earned on savings activity (0.1% of monthly savings amount, capped at 100 points/month for standard users). Points are redeemable for Amazon Gift Cards. Premium subscribers have higher earning potential. This creates a secondary monetization layer tied to user savings behavior.
3. Bank Partnership / Open Banking API Access: NestEgg operates as a registered Electronic Payment Service Provider (電子決済等代行業者, 関東財務局長（電代）第4号). While no direct transaction fees are charged to users, the open banking API partnerships with 12+ financial institutions enable the core service mechanics and position NestEgg as a fintech infrastructure player.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

NestEgg operates finbee, Japan's first automatic savings mobile application connected to bank open APIs, which automatically transfers small amounts from users' linked bank accounts into savings based on configurable rules including round-up, step-counting, GPS check-in, daily deposits, shared savings, gamified quests and credit-card advance savings. The service is offered as a freemium app with an optional finbee+ subscription that unlocks unlimited savings goals and removes advertising.

Differentiator

Problem solved

Functional benefit

Brands

• finbee+: Premium subscription plan launched September 2025. Offers ad removal and unlimited savings goal creation. Two tiers: Basic (300 yen/month or 3,000 yen/year) and Premium (500 yen/month or 5,000 yen/year). Additional features include unlimited history/memo viewing for completed savings goals.

Products and services

• finbee A mobile automatic-savings application for individual consumers in Japan that links to a partner bank account via open banking APIs and automatically transfers small amounts to savings based on user-configurable rules (round-up, step-count, GPS check-in, daily deposits, virtual, shared, quest and credit-card advance savings). Available on iOS, Android and web; free with advertising and a cap of 10 savings goals.
• finbee+ Optional premium subscription tier of finbee offering an ad-free experience and increased savings-goal limits. Basic plan at ¥300/month or ¥3,000/year allows up to 20 savings goals; Premium plan at ¥500/month or ¥5,000/year allows unlimited savings goals, plus full history and memo access for completed goals.

Quantifiable outcome

• Bank account-linked users have cumulatively saved over 1,000億円 as of April 2026; total including virtual users is 2,045億円
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature8 records

Partnerships

13 partnerships are on record, tiered core, major and minor.

• 住信SBIネット銀行 (Sumitomo Mitsui SBI Net Bank)coreOthersThe primary and first bank partner, connected in September 2016 for the closed beta and December 2016 for general release. NestEgg's open banking API connection with SBI Net Bank enabled Japan-first automatic savings via update-type APIs. Remains a core connected institution. Provides both account linking and fund transfer services via API.
• みずほ銀行 (Mizuho Bank)coreOthersFirst megabank partner, connected October 2017 via open banking API. Key strategic value as a major national bank. For Mizuho-linked accounts, the daily transfer limit is capped at 50万円. Listed as a connected bank as of 2025.
• 千葉銀行 (Chiba Bank)majorOthersConnected April 2018 as one of the first regional bank partners. Expanded the geographic reach of finbee's services beyond major metropolitan banks to Chiba prefecture customers.
• 北洋銀行 (Hokuyo Bank)majorOthersConnected April 2018 alongside Chiba Bank as one of the first regional bank partners. Customer Mさん from Sapporo (Consadole fan) uses Hokuyo Bank with finbee for cheering savings.
• ゆうちょ銀行 (Japan Post Bank / Yucho Bank)majorOthersConnected May 2023, providing access to Japan's largest postal savings bank customer base. Strategic for reaching customers in rural areas who primarily use Yucho accounts. Announced via press release.
• 百五銀行 (Gifu Bank / 105 Bank)majorOthersConnected September 2018. Regional bank partner expanding finbee's regional coverage. User testimonials reference 百五銀行 accounts for savings purposes.
• 第四北越銀行 (Daishi Hokuetsu Bank)majorOthersConnected July 2018. Regional bank partner serving Niigata prefecture. Users reference this bank for car inspection (램겐) savings. Note: The bank rebranded to 第四北越銀行 (formerly 第四銀行).
• 伊予銀行 (Iyo Bank)minorOthersConnected July 2018. Regional bank partner in Ehime prefecture, expanding regional coverage.
• 中国銀行 (Chugoku Bank)minorOthersConnected October 2018. Regional bank partner in Okayama prefecture, expanding the network of connected financial institutions.
• 東邦銀行 (Toho Bank)minorOthersConnected October 2018. Regional bank partner in Fukushima prefecture, contributing to regional bank network expansion.
• 武蔵野銀行 (Musashino Bank)minorOthersConnected March 2019. Regional bank partner serving Saitama prefecture customers.
• Miroku Webcash International (MWI社)coreTechnology or IntegrationProvides the Account Tracker (account aggregation) service via web scraping technology, enabling finbee to access credit card transaction data from card company websites without requiring direct bank APIs. This is critical for the おつり貯金 and クレカ先取り貯金 features, which depend on transaction-level card data rather than just bank account data. MWI delegates some operations to contracted sub-processors.
• りそな銀行 / 埼玉りそな銀行 / 関西みらい銀行 (via りそな Wallet)majorChannel Partner/ Reseller/ Distributorfinbee's savings technology is white-labeled inside the りそな Wallet app (a digital wallet by Resona Group banks). Four savings rules (つみたて, おつり, 空き枠, ワンタップ) are available through the bank's native app, allowing finbee to reach the banks' existing customer base without those customers separately downloading finbee.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Money Forward: Money Forward is Japan's largest personal financial management platform with bank/card aggregation, budgeting, and money management features. Directly comparable to finbee's core Japanese PFM + savings automation offering, with much larger scale and a public listing.
• Zaim: Zaim is a Japanese household budgeting app with bank and credit card aggregation and receipt photo/manual entry features. Comparable to finbee's Japanese PFM + bank aggregation layer; also a finbee integration partner (API data flow for round-up savings).
• Moneytree: Moneytree is a Japanese fintech offering a PFM app with bank account aggregation and money management. Closely comparable to finbee's bank aggregation and consumer-facing financial data layer, with overlapping target customers and product mechanics.

Broad incumbents

• Acorns: Acorns is the US market leader in round-up spare-change savings and micro-investing. Comparable to finbee's round-up (otsuri) savings core mechanism, with broader scope (US + retirement, checking, custodial accounts) at much larger scale.
• Moneybox: Moneybox is a UK round-up savings and investing app combining spare-change automation with ISA, pension, and home-purchase products. Closely mirrors finbee's goal-based round-up savings core mechanic and serves as a benchmark for cross-sell into adjacent financial products.

Emerging players

• WealthNavi: WealthNavi is Japan's largest robo-advisor for goal-based wealth building. Comparable as a Japanese consumer fintech focused on habit-building around money; finbee users could naturally graduate to WealthNavi-style investing products over time.
• Plum: Plum is a UK AI-powered savings automation app that analyzes transactions and automatically sets money aside. Comparable to finbee's behavioral, rule-based automated savings engine (round-up, step-counting, GPS, quest), with a stronger AI/data-science framing.
• Kyash: Kyash is a Japanese consumer digital wallet and payment app with spending insights and P2P features. Comparable to finbee as a Japanese consumer fintech operating in payment-adjacent space; competes for the same young, urban Japanese consumer segment.

Regional players

• Minna no Ginko (みんなの銀行): Minna no Ginko is a Japanese digital-only bank from Fukuoka Financial Group offering a smartphone-first banking experience. Comparable as a Japan-only digital financial services player, but operates as a chartered bank rather than a third-party app on top of deposit accounts.
• PayPay Bank (formerly Japan Net Bank): PayPay Bank is a major Japanese digital bank, now part of the PayPay/Z Holdings ecosystem. Comparable as a Japan-focused digital banking and payments player that operates at consumer scale many multiples larger than finbee, illustrating the scale ceiling a fintech app faces without bank charter economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/finbeejp
• Facebookfacebook.com/finbee.jp
• Instagraminstagram.com/finbee_nestegg
• Pinterestpinterest.jp/finbeejp/_saved

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NestEgg