SBI Money Plaza

What SBI Money Plaza does

SBI Money Plaza is a Japanese financial services intermediary and wholly-owned subsidiary of SBI Holdings, founded in 2008 and headquartered in Tokyo. The company operates as the face-to-face, branch-based distribution arm of the SBI Group's predominantly internet-focused financial ecosystem, providing securities intermediation, fund advisory, insurance agency, bank agency (housing loans), real estate brokerage, and consumer lending services to retail investors, high-net-worth business owners, and mortgage seekers. As of 2026, it operates 67 physical branches nationwide, including joint stores with regional financial institutions under a 'net and real integration' (ネットとリアルの融合) strategy, supported by a digital portal (Mana Plaza Online) and a seminar-driven demand generation program.

The company's service model pairs a nationwide branch network with a goal-based fund wrap advisory service launched in April 2022, which uses an AUM-linked fee structure to align advisor and customer incentives. SBI Money Plaza does not custody customer assets directly; instead, it channels transactions to affiliated SBI Group entities — primarily SBI Securities for securities and investment trusts, Sumitomo SBI Net Bank for deposits and mortgages, and SBI Shinsei Bank for consumer mortgages and deposits — and earns transaction-based commissions and referral fees. Joint 'SBI Shinsei Wellness Management' stores with SBI Shinsei Bank crossed 1 trillion yen in assets under custody as of April 2026, illustrating the scale of the intermediated book. The firm targets both mass retail (through seminars, social media, and branch consultations) and private banking clients (through M&A advisory, estate planning, tax strategy, and lifestyle services such as SBI Medic and SBI Art Auction).

SBI Money Plaza's revenue is generated from five primary streams: financial instruments intermediation commissions, Type II financial instruments business fees, bank agency fees on housing loan referrals, insurance agency commissions, and AUM-linked advisory fees. Distribution is omnichannel, spanning physical branches, the Mana Plaza Online portal, financial education content marketing, a monthly seminar program, and paid acquisition through Google, LINE, Meta, and Microsoft ad networks. The company has no patents, external awards, or independent public financial disclosures, and operates as a privately-held component of the SBI Holdings conglomerate. Competitive positioning is anchored on distribution and ecosystem breadth rather than proprietary technology: the firm does not develop AI-native advisory tooling and instead leverages group-level capabilities such as FOLIO ROBOPRO as third-party integrations.

Name

SBI Money Plaza

Legal name

SBIマネープラザ株式会社 (SBI Money Plaza Co., Ltd.)

Website

https://sbi-moneyplaza.co.jp

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

251–500 employees

Short description

SBI Money Plaza is a Tokyo-based, wholly-owned subsidiary of SBI Holdings that operates 67 financial advisory branches across Japan, intermediating securities, insurance, housing loans, and fund products to retail investors, HNW business owners, and mortgage seekers.

Ownership category

akta.pro rank

Product category

Retail Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Finance Services (6199)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industries

General SME & Middle-Market Commercial Banking (FSABABAA), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Financial advisory services
• Mortgage consultation
• Securities intermediation
• Insurance agency
• Private banking

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices16 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Instruments Intermediation (金融商品仲介業): SBI Money Plaza acts as a financial instruments intermediary (broker) for SBI Securities, earning commission fees on securities, investment trust, and other financial product transactions executed by referred customers. The company does not hold customer assets directly — all accounts and counterparties are with the affiliated financial instruments business operator.
2. Type II Financial Instruments Business (第二種金融商品取引業): Operates as a Type II financial instruments business operator and investment advisory/agent, offering fund products and investment advisory services, earning commissions and fees from fund management companies and affiliated financial institutions.
3. Bank Agency (銀行代理業): Acts as a bank agency for Sumitomo SBI Net Bank (handling yen deposits and home loans) and SBI Shinsei Bank (consumer mortgage loans and related deposits), earning referral and agency fees on housing loan transactions and deposit products.
4. Insurance Agency (保険代理店業務): Operates as an insurance agency, earning commission income on life insurance, property & casualty insurance, and other insurance products sold through its consulting channels.
5. Real Estate Brokerage (宅地建物取引業): Licensed real estate broker (Tokyo Governor License No. 113478) offering real estate transaction consulting services.
6. Lending / Consumer Finance (貸金業): Registered lending business operator (Tokyo Governor Registration No. 31636), providing consumer and other lending products.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels10 records

Core offering

SBI Money Plaza operates as a face-to-face financial services intermediary within Japan's SBI Holdings group, offering mortgage consultation, securities intermediation, insurance agency, bank agency (deposits and home loans), private banking, and investment advisory services through a nationwide network of 67 physical branches and the Mana Plaza Online digital portal. The company refers customers to affiliated SBI Group financial institutions (SBI Securities, Sumitomo SBI Net Bank, SBI Shinsei Bank) earning commissions and fees, while providing dedicated private banking for business owners that includes business succession, M&A, and lifestyle (art, medical) advisory beyond traditional finance.

Product overview

SBI Money Plaza is a comprehensive financial services company that operates as a multi-service financial intermediary, combining face-to-face consultation with the SBI Group's digital ecosystem. The company offers mortgage consultation services through partner banks (SBI Shinsei Bank and Sumitomo Mitsui Trust Bank), private banking services for corporate owners, goal-based investment advisory (fund wrap), and educational seminars. The service portfolio integrates securities intermediation, insurance agency, banking agency, real estate brokerage, and consumer lending services, all supported by over 600 SBI Group companies.

Differentiator

Problem solved

Functional benefit

Products and services

• SBI Mortgage Consultation Services (SBI住宅ローンご相談) Face-to-face and online mortgage consultation services for residential home loan products from Sumitomo SBI Net Bank and SBI Shinsei Bank, offered through dedicated SBI Mortgage consultation branches and the Mana Plaza Online portal. For individual retail customers purchasing residential property or seeking mortgage refinancing and product comparison.
• Private Banking Services (プライベート・バンキング・サービス) Comprehensive wealth management and consulting services for affluent corporate owners and high-net-worth individuals, including asset management, business support (M&A advisory, business succession), tax strategy, estate planning, Japanese operating lease investments, corporate insurance, and referral to lifestyle services (SBI Medic medical checkups, SBI Art Auction). Pricing transitioned to asset-based / AUM-linked fees in April 2022 to align company interests with customer interests (顧客本位の業務運営方針).
• Financial Seminars (お金に関するセミナー) Educational financial seminars covering beginner investment, inflation protection, bond investment, risk management, retirement planning, and US election strategies, held in physical branches and online. Operated by a dedicated Financial Advisor Department as a mid-funnel demand-generation channel feeding customer acquisition for investment, insurance, and mortgage advisory services.
• SBI Group Comprehensive Services (SBIグループサービス) Integrated financial services offering advisory access to the full product shelf of 600+ SBI Group companies (SBI Securities, SBI Shinsei Bank, Sumitomo SBI Net Bank, SBI FX Trade, SBI VC Trade, BITPOINT, FOLIO/ROBOPRO, SBI NeoTrade Securities, SBI Remit, SBI Life Insurance, SBI Non-Life Insurance, and many others). For individual retail customers seeking a single point of access across multiple financial product categories.
• Fund Wrap Services (ファンドラップ) Goal-based investment advisory service providing personalized asset management plans with ongoing follow-up, structured under an asset-based fee (AUM-linked) model introduced in April 2022. For retail customers seeking discretionary-style portfolio management with goal-based planning.
• Bank Agency Services (銀行代理業サービス) Bank agency services intermediating customer relationships to affiliated SBI Group banks — Sumitomo SBI Net Bank for yen deposits, time deposits, and mortgage-related loans, and SBI Shinsei Bank for consumer mortgages and comprehensive deposit accounts (yen, time, foreign currency). SBA Money Plaza earns referral/agency commissions on originated loans and accounts. For retail customers seeking internet-bank mortgage products via face-to-face advisory.

Quantifiable outcome

• Assets under custody exceeding 1 trillion yen at joint 'SBI Shinsei Wellness Management' stores as of April 2026
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• SBI Securities (株式会社SBI証券)coreTechnology or IntegrationSBI Money Plaza acts as a financial instruments intermediary (登録番号: 関東財務局長(金仲)第385号) for SBI Securities, referring customers for securities, investment trust, and other financial products. SBI Securities is the primary financial instruments business operator (所属金融商品取引業者) providing all securities custody and trading infrastructure. The relationship is foundational to SBI Money Plaza's investment and wealth management services.
• Sumitomo SBI Net Bank (住信SBIネット銀行)coreChannel Partner/ Reseller/ DistributorSBI Money Plaza is a bank agency (銀行代理業者, 許可番号: 関東財務局長(銀代)第268号) for Sumitomo SBI Net Bank, handling referrals for yen deposits, time deposits, and home loans (limited to mortgage-related transactions). The partnership enables SBI Money Plaza to offer competitive internet banking mortgage products through its physical branch network.
• SBI Shinsei Bank (株式会社SBI新生銀行)coreChannel Partner/ Reseller/ DistributorSBI Money Plaza acts as a bank agency (許可番号: 関東財務局長(銀代)第268号) for SBI Shinsei Bank, handling consumer mortgage loan referrals and deposit account mediation (comprehensive savings accounts). Joint 'SBI Shinsei Wellness Management' stores have accumulated over 1 trillion yen in assets under custody (April 2026).
• SBI Holdings (SBIホールディングス)coreStrategic or Co-development PartnerSBI Money Plaza is a subsidiary of the SBI Holdings group and operates under the SBI Group philosophy and brand. The company leverages the entire SBI Group ecosystem of 600+ companies for product offerings, technology infrastructure, and cross-selling. Joint privacy/data management policies are governed by SBI Holdings under the shared SBI Group framework.
• SBI Medic (SBIメディック)minorStrategic or Co-development PartnerSBI Medic provides high-end membership-based comprehensive medical examination services (高級会員制人間ドック). SBI Money Plaza refers private banking clients to SBI Medic as part of its 'beyond finance' lifestyle support services, contributing to the company's comprehensive wealth management proposition.
• SBI Art Auction (SBIアートオークション)minorStrategic or Co-development PartnerSBI Art Auction provides art auction services for art investment and collection purposes. Referenced in private banking case studies as a lifestyle service offered to affluent clients (S様) as part of comprehensive wealth management beyond traditional finance.
• SBI Group Companies (SBIグループ各社)coreOthersSBI Money Plaza leverages products and services from SBI Group companies including: SBI FX Trade, SBI VC Trade, BITPOINT, FOLIO (AI investment ROBOPRO), SBI NeoTrade Securities, SBI Remit, SBI Non-Life Insurance, SBI Life Insurance, SBI Ikiki Shokan, SBI Japan Shohan, SBI Prism Pet Insurance, SBI Pet Shohan, SBI Rista Earthquake Insurance, SBI Benefit Systems (corporate DC pensions), ZEUS payment services, SBI Leasing Services, SBI M&A, and many others — totaling access to 600+ group companies.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Monex Group: Online-focused Japanese retail brokerage and crypto-asset provider serving individual investors with multiple product lines. Comparable in offering retail financial intermediation across securities, FX, and crypto products, though primarily digital rather than branch-based.
• Matsui Securities: Online-first Japanese retail brokerage known for low-cost equity trading. Comparable as a retail-focused securities intermediary competing for Japanese individual investors, though with a narrower product set and digital-only distribution.
• Rakuten Securities: Japan's largest online retail broker, providing securities, FX, and NISA-eligible investment products to individual investors via digital channels. Comparable retail-investor intermediary, though operating without physical branches and competing on digital UX.

Broad incumbents

• Daiwa Securities Group: One of Japan's largest full-service brokerages with extensive retail branch network, securities intermediation, asset management, and investment advisory. Comparable as a multi-product financial intermediary serving both retail and HNW clients through face-to-face advisory.
• Nomura Securities: Japan's largest full-service brokerage and wealth manager, operating a nationwide retail branch network providing securities, investment trust, and advisory services. Direct analog in offering retail and HNW advisory through a branch model, though at much larger scale.
• Mitsubishi UFJ Morgan Stanley Securities: Joint-venture wealth management and securities firm combining MUFG's retail base with Morgan Stanley's global PB expertise. Comparable in serving affluent Japanese retail and HNW clients with multi-product wealth services through branch and digital channels.
• SMBC Nikko Securities: Japanese full-service securities firm under Sumitomo Mitsui Financial Group offering retail brokerage, investment advisory, and wealth management through a branch network. Comparable as a multi-channel retail/HNW financial intermediary backed by a major financial group.

Others

• SBI Shinsei Bank: Sister SBI Group bank whose consumer mortgage and deposit products are intermediated by SBI Money Plaza's housing-loan branch network. Comparable as a Japanese bank whose retail/HNW products flow through SBI Money Plaza's advisory channel, with the joint 'SBI Shinsei Wellness Management' stores representing a deeply linked distribution partnership.
• SBI Securities: Sister SBI Group entity that serves as the principal counterparty for SBI Money Plaza's securities intermediation. While not a competitive peer, it is the upstream product provider whose product shelf enables SBI Money Plaza's revenue model, and the broader SBI Securities platform is comparable as Japan's largest online retail brokerage.

Direct peers

• Wealth Advisors Co., Ltd. Japanese independent fund-search and investment advisory platform with 100+ advisory shops. Directly comparable as a multi-product retail investment intermediary serving Japanese individuals through both digital and physical channels, with revenue tied to fund wrap and advisory fees.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/SBIMP_official
• YouTubeyoutube.com/@SBImoneyplaza_official
• Facebookfacebook.com/SBImoneyplaza.official
• Instagraminstagram.com/sbi_moneyplaza_official

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

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M&A

Investments

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

Frequently asked questions about SBI Money Plaza