BlueBank
BlueBank is a Tokyo-based, membership-only mobile financial platform exclusively for Japanese corporate operators, integrating a corporate bank account, metal business card, invoice payment, multi-bank aggregation across 1,000+ institutions, AI-assisted tax planning, and wealth management within a single iOS/Android app.
- Company typePrivate
- Founded2016
- HeadquartersTokyo, Japan
- Headcount11–50
- GTM typeB2C
- OfferingServices
What BlueBank does
BlueBank Inc. (ブルーバンク株式会社) is a Tokyo-based, mobile-first financial platform founded in September 2016 that operates a membership-only "owners app" exclusively for Japanese corporate operators (法人経営者), explicitly excluding salaried workers and sole proprietors. The platform consolidates a smart corporate bank account (issued via a dedicated branch at GMO Aozora Net Bank), a metal business card with up to ¥10B credit limit and 1.5% cashback, invoice payment and deferred-payment products, multi-bank account aggregation across 1,000+ Japanese financial institutions, gamified 5-tier membership scoring, and an AI-assisted tax planning service, all accessed via a single iOS/Android app with biometric authentication, PCI DSS compliance, and ISO 27001 certification.
The company monetizes through a tiered subscription (Essential free / Premium ¥8,800 per month), a share of card interchange from the international brand network, transaction fees on invoice card payment (3.5%) and deferred payment (3.5–6.8%), ¥60 transfer instruction fees, and is launching higher-ticket advisory products including AI-driven tax planning (from ¥1M) and forthcoming private equity / private credit / venture capital offerings for select members. Underlying technology includes bank-API aggregation via Miroku Jonne Service and Miroku Webcash International under the Electronic Payment Service Provider framework, with proprietary logic for the gamified rank and JACKPOT reward systems.
BlueBank's go-to-market combines a self-serve, product-led funnel through the App Store and Google Play with a sales-led high-touch layer delivered through certified business support institutions (認定支援機関) and a strategic capital-and-business partnership with Tsuji-Hongo Group, Japan's largest tax accountant corporation with 19,000+ client companies. The shareholder base spans Genesia Ventures, Z Venture Capital, Mitsubishi Estate (BRICKS FUND TOKYO), Canal Ventures, Aozora Corporate Investment, SMBC Venture Capital, AG Capital, Ikemori Venture Support, and Doko Cross-com. The company holds Japanese money lending (Tokyo Governor #31918), financial services intermediary (Kanto #9), and electronic payment service provider (Kanto #83) licenses, plus Management Innovation Support Organization certification, supporting a fully regulated, vertically integrated financial stack within a Japan-only footprint.
BlueBank firmographics
Firmographics- Name
- BlueBank
- Legal name
- BlueBank株式会社
- Website
- https://bluebank.app
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BlueBank is a Tokyo-based, membership-only mobile financial platform exclusively for Japanese corporate operators, integrating a corporate bank account, metal business card, invoice payment, multi-bank aggregation across 1,000+ institutions, AI-assisted tax planning, and wealth management within a single iOS/Android app.
- Ownership category
- akta.pro rank
BlueBank industry classification
Industry- Product category
- Business Financial Services
- NAICS
- Credit Card Issuing (522210), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Finance Services (6199)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industries
- Business / Corporate Credit Cards (FSAKABAF), Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)
Keywords
Where BlueBank is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
BlueBank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Premium membership fees: BlueBank charges ¥8,800/month (tax included) for Premium membership, which includes the metal business card, full app functionality, tax survey expense compensation, 1.5% point return rate, and dedicated account manager. An Essential tier is free with up to 1.0% return rate.
- Interchange fees from card payments: When members pay with the BlueBank card, the company receives a portion of the interchange fee through the international brand network. This is the primary revenue mechanism alongside membership fees.
- Point redemption sponsorship: Point redemption costs are funded from a portion of card transaction revenue returned as points, plus sponsored contributions from partner companies.
- Financial service intermediary fees: BlueBank acts as a financial service intermediary (金融サービス仲介業者) for deposit account mediation with GMO Aozora Net Bank. Customer fees for this service are free per the disclosed terms.
- Invoice payment processing fees: Invoice deferred payment (請求書あと払い) and invoice card payment (請求書カード払い) services charge a fee of 3.5% per transaction, with additional rates for installment plans.
- Transfer instruction fees: Transfer instruction fee of ¥60 per transfer instruction in addition to the bank's transfer fee of ¥130 for GMO Aozora Net Bank. Daily and per-transaction cap is ¥10,000,000.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Essential — Free tier with up to 1.0% cashback |
| Subscription | Monthly | Premium — ¥8,800/month with up to 1.5% cashback and full feature access |
| Transaction based/ take rate | Pay-as-you-go | Invoice card payment processing fee |
| Transaction based/ take rate | Pay-as-you-go | Invoice deferred payment fee |
| Transaction based/ take rate | Pay-as-you-go | Bank transfer fees |
| Transaction based/ take rate | Pay-as-you-go | Business card foreign transaction fee |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
BlueBank product offering
Product offeringCore offering
BlueBank is a membership-only mobile app for Japanese corporate operators that consolidates business banking, a metal business card, invoice payment processing, multi-bank account aggregation, gamified cashback rewards, and AI-assisted tax planning into a single iOS/Android platform. The service offers two subscription tiers (Essential free and Premium at ¥8,800/month) and partners with GMO Aozora Net Bank to provide the underlying corporate deposit account.
Product overview
BlueBank is a member-only owners app for corporate executives that optimizes business decisions, cash flow, taxes, and personal wealth. The platform operates as a unified app with multiple integrated modules including the BlueBank Business Card (metal/PVC options), Invoice Deferred Payment, Invoice Card Payment, Business Account with GMO Aozora Net Bank, Account Management (1,000+ bank integration), Tax Planning Consultation (AI-powered), Score & Member Rank (gamified 5-tier system), Rewards & JACKPOT (coin-based rewards), Expert Coaching, Tax Market, and Private Investment Products. The platform offers two pricing tiers: Essential (free with PVC card, up to 1.0% cashback) and Premium (8,800 yen/month with metal card, up to 1.5% cashback, and exclusive benefits).
Differentiator
Problem solved
Functional benefit
Products and services
- BlueBank Business Card Metal (Premium) or PVC (Essential) vertical business credit card for Japanese corporate operators with biometric authentication, instant transaction notifications, corporate tax payment functionality, up to ¥10 billion credit limit backed by deposit, and 1.0–1.5% point return rate applied even on corporate tax payments.
- Invoice Deferred Payment (請求書あと払い) Post-payment service that lets corporate operators settle vendor invoices in 1 or 3 installments through the BlueBank app, with fees starting at 3.5% (1-installment) or 6.8% (3-installment) and repayment starting from the 23rd of the following month.
- Invoice Card Payment (請求書カード払い) Service that pays vendor invoices using an existing Visa/Mastercard/JCB credit card, with same-day transfer on business days, up to 60-day deferral, and a flat 3.5% processing fee, with no upper limit within the card's available credit and minimum transaction size of ¥10,000.
- BlueBank Business Account (法人口座) Smart corporate bank account opened as a dedicated branch account (ブルーバンク支店) at GMO Aozora Net Bank and accessed through the BlueBank app for mobile transfers, real-time notifications, and automated cash flow management with no physical ATM card issued.
- Account Management (口座管理) Multi-bank account aggregation service that syncs unlimited corporate and personal bank and securities accounts across 1,000+ Japanese financial institutions for real-time balance and transaction monitoring, secured with biometric login.
- Tax Planning Consultation (決算対策) AI-assisted tax reduction consultation service for corporate operators that analyzes company financials and fiscal period data to recommend optimal strategies such as operating lease funds, truck leases, and US real estate investments. Service is delivered via in-app booking and connects members to certified expert partners, including the Tsuji-Hongo Group with 19,000+ client companies.
- Expert Coaching (エキスパート) Business consultation service that pairs corporate operators with certified experts (認定支援機関) for advice on subsidies, financing, real estate, and marketing, delivered via chat and video conference with the team's named coaches having supported over ¥2 billion in fundraising for members.
Quantifiable outcome
- Up to 1.5% point return rate on all card spending including corporate tax payments
- +6 more outcomes
Companies that use BlueBank
Customer profileSegments1 record
Ideal customer profiles1 record
BlueBank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature8 records
BlueBank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- 辻・本郷グループ (Tsuji-Hongo Group / Hongo Holdings Co., Ltd.)coreBlueBank has entered a capital and business partnership with Tsuji-Hongo Tax Accountant Corporation, Japan's largest tax accountant group with 19,000+ client companies nationwide. The partnership integrates Tsuji-Hongo's high-level tax expertise with BlueBank's 'owner time-generating technology' to automate document submission, payment processing, and financial management. This enables corporate operators nationwide to perform tax compliance and financial decisions faster and more accurately. Tsuji-Hongo Group is also a major shareholder.
- GMOあおぞらネット銀行株式会社 (GMO Aozora Net Bank Corporation)coreBlueBank provides financial service intermediary (金融サービス仲介業者) services for deposit account intermediation with GMO Aozora Net Bank. The BlueBank Business Account is a dedicated branch account (ブルーバンク支行) at GMO Aozora Net Bank. BlueBank also acts as an electronic payment intermediary (電子決済等代行業者) with API connections to the bank. Transfer fees are ¥130 (bank) + ¥60 (BlueBank) per cross-bank transfer, with same-bank transfers free.
- 律师事务所ZeLo (Law firm ZeLo)minorDesignated legal counsel for BlueBank.
- 税理士法人ヒラマツ (Hiramatsu Tax Accountant Corporation)minorDesignated tax accountant for BlueBank.
Scale indicators8 records
Recent moves5 records
Expansion highlights6 records
BlueBank competitors and assessment
Company assessmentDirect peers
- UPSIDER: Japanese corporate card and business financing platform targeting SMBs. Closely comparable to BlueBank's business card and invoice card payment offering, with similar deposit-backed credit limits and reward mechanics aimed at Japanese corporate operators.
Broad incumbents
- Money Forward: Leading Japanese SMB finance and accounting platform with business banking, expense management, and corporate card products. Overlaps with BlueBank's account aggregation, business banking, and tax-planning features but serves a broader SMB market including sole proprietors.
- freee: Major Japanese cloud accounting and HR platform serving SMBs and sole proprietors. Comparable to BlueBank on the SME financial-management axis, with broader tax and HR functionality but a less verticalized, less premium-tier focus on corporate operators.
- Rakuten Bank: Japan's largest online bank, serving both consumers and businesses. Comparable to BlueBank's underlying banking functionality delivered through the GMO Aozora Net Bank partnership, but at much greater scale and broader customer segments.
- SBI Sumishin Net Bank: Major Japanese online bank serving retail and corporate clients. Comparable to BlueBank's business-banking partnership model and represents a potential partner or competitor for corporate-operator banking services.
Emerging players
- Kyash: Japanese mobile payment and card-issuing platform with consumer and business card products. Comparable to BlueBank's mobile-first card and reward mechanics, though Kyash focuses more on consumer and gig-worker use cases.
- Infcurion: Japan-based card-issuing-as-a-service and embedded finance platform. Comparable to BlueBank's metal business card and interchange-driven revenue model, with overlap in API-driven account and payment infrastructure.
- Yay! (Yay, Inc.): Japanese corporate expense management and business card platform. Comparable to BlueBank's card and expense-management functionality for Japanese SMBs and corporate operators.
- Money Tree: Japan-based personal and business finance aggregation app. Closely comparable to BlueBank's account aggregation feature (口座管理) across 1,000+ financial institutions.
Regional players
- WealthNavi: Japan's largest robo-advisor. Comparable to BlueBank's private wealth and asset-management ambitions for premium corporate-operator members, though focused on mass-market automated investing.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
BlueBank social profiles
Digital presenceBlueBank compliance and trust
Trust signalCompliance5 records
BlueBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
BlueBank leadership team
Management profileNumber of profiles
Profiles3 records
BlueBank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BlueBank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BlueBank
What does BlueBank do?
BlueBank is a membership-only mobile app for Japanese corporate operators that consolidates business banking, a metal business card, invoice payment processing, multi-bank account aggregation, gamified cashback rewards, and AI-assisted tax planning into a single iOS/Android platform. The service offers two subscription tiers (Essential free and Premium at ¥8,800/month) and partners with GMO Aozora Net Bank to provide the underlying corporate deposit account.
Is BlueBank a public or private company?
BlueBank is a private company. It is classified as venture growth investor backed and is currently operating.
When was BlueBank founded?
BlueBank was founded in 2016. It employs 11 to 50 people.
Where is BlueBank based?
BlueBank is headquartered in Tokyo, Japan, in the Asia region.
How does BlueBank make money?
Six revenue lines are on record. Premium membership fees are the primary driver. The others are interchange fees from card payments, point redemption sponsorship, financial service intermediary fees, invoice payment processing fees and transfer instruction fees.
Who are BlueBank's main competitors?
UPSIDER is listed as a direct peer. Broad incumbents are Money Forward, freee, Rakuten Bank and SBI Sumishin Net Bank. Emerging players are Kyash, Infcurion, Yay! (Yay, Inc.) and Money Tree. WealthNavi is listed as a regional player.
Does BlueBank have an API?
Yes. BlueBank operates as an electronic payment service provider (電子決済等代行業者) with registration number 関東財務局長（電代）第83号. The company provides bank account information synchronization services and money transfer instruction services. Transfer fees: GMOあおぞらネット銀行株式会社 130 yen, BlueBank transfer instruction fee 60 yen. Daily and per-transaction limits: 10,000,000 yen. BlueBank uses MJS (株式会社ミロク情報サービス) and Miroku Webcash International株式会社 as electronic payment service sub-processors for bank API connections. Developer documentation is at bluebank.app/api.
What industry is BlueBank in?
BlueBank's product category is Business Financial Services. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of FSAKABAF, Business / Corporate Credit Cards. Its NAICS code is 522210 and its SIC code is 6153.