Shinsei Bank
SBI Shinsei Bank is a Japanese digital-first commercial bank and SBI Holdings subsidiary offering yen and foreign currency deposits, loans, credit cards, and securities intermediation to retail customers nationwide through proprietary online platforms and a partner ATM network.
- Company typePrivate
- Founded1952
- HeadquartersMuromachi, Japan
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
What Shinsei Bank does
SBI Shinsei Bank (株式会社SBI新生銀行) is a Japanese digital-first commercial bank and a wholly-owned subsidiary of SBI Holdings, operating as part of the broader SBI Group financial services conglomerate. The bank was originally established as Shinsei Bank and was later acquired by SBI Holdings and rebranded under the SBI Shinsei identity; its predecessors include the legacy Long-Term Credit Bank of Japan, giving it an institutional banking heritage that it has overlaid with a digital-first retail strategy. The bank is regulated by Japan's Financial Services Agency (Kanto Local Finance Bureau registration No. 10) and is headquartered in Tokyo, with no public listing of its own and no separately disclosed ticker.
The bank's product platform spans yen and foreign currency deposits, the proprietary SBI Hyper Deposit (which automatically links deposit balances to SBI Securities purchasing power), housing loans, card loans, credit cards (including a cryptocurrency rewards card issued in partnership with SBI VC Trade), insurance, foreign exchange and remittance, robo-advisory (THEO and SBI Wrap), and iDeCo pensions. Distribution is anchored on a digital onboarding flow (account opening in approximately five minutes via smartphone), the Power Direct internet banking platform, the SBI Shinsei Connect integration layer, and a nationwide partner ATM network covering Seven Bank, Lawson Bank, AEON Bank, and E-net — providing physical access comparable to the mega-banks at a fraction of the branch footprint. Customer relationships are managed through a tiered loyalty program (Standard, Silver, Gold, Platinum, Diamond) with age-based preferential layers (U28 Zero Generation for under-28s with automatic Diamond benefits; Bright 60 for over-60s with fee waivers and preferential deposit rates).
The business model blends interest rate spread (loans vs. deposits), transaction and fee income (ATM, transfers, card services), and financial product intermediation revenue from SBI Securities and Monex Securities. The bank serves primarily individual retail customers across Japan, with a smaller institutional and corporate banking book, and is actively expanding through acquisition campaigns (a Welcome Program offering up to 20,000 JPY cash gift) and product cross-promotion across the SBI Group ecosystem.
Shinsei Bank firmographics
Firmographics- Name
- Shinsei Bank
- Legal name
- 株式会社SBI新生銀行 (SBI Shinsei Bank, Limited)
- Website
- https://shinseibank.com
- Company type
- Private
- Founded year
- 1952
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- SBI Shinsei Bank is a Japanese digital-first commercial bank and SBI Holdings subsidiary offering yen and foreign currency deposits, loans, credit cards, and securities intermediation to retail customers nationwide through proprietary online platforms and a partner ATM network.
- Ownership category
- akta.pro rank
Where Shinsei Bank is headquartered
LocationHeadquarters
- HQ city
- Muromachi
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
Shinsei Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Rate Spread: Traditional banking revenue generated from the spread between interest rates on loans (including housing loans, card loans) and interest paid on deposits.
- Transaction & Fee Income: Fees from ATM withdrawals (beyond free allowance), bank transfers, account services, and other transaction-based charges. Free tiers available based on customer stage (Standard, Silver, Gold, Platinum, Diamond).
- Financial Product Intermediation: Revenue from facilitating financial products including investment trusts, NISA accounts, bonds, and other securities through partnerships with SBI Securities and Monex Securities.
- Credit Card Services: Revenue from credit card transactions, annual fees, and related financial services including the cryptocurrency-earning credit card.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Startup Yen Time Deposit - 1-year special rate for new account holders |
| Subscription | Multi-year contract | Triple Yen Deposit Campaign - 3-month, 6-month, and 1-year terms |
| Hybrid | Monthly | ATM and Transfer Fee-Free Banking |
| Other | Pay-as-you-go | Card Loan First-Time Borrower Promotion |
| Subscription | Annual | Luxury Card Program for Under 28 |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Shinsei Bank product offering
Product offeringCore offering
SBI Shinsei Bank is a digital-first Japanese commercial bank offering a comprehensive suite of retail financial products including yen and foreign currency deposits, housing loans, card loans, credit cards (including a cryptocurrency rewards card), investment intermediation services through SBI Securities and Monex Securities, robo-advisory, insurance, and asset succession services. The bank's core differentiator is the integrated SBI Hyper Deposit product that automatically links customer balances to securities purchasing power at SBI Securities.
Product overview
SBI新生銀行 is a digital-focused commercial bank offering a comprehensive suite of banking and financial services through its online platform and mobile app. The core offering centers on integrated deposit accounts that connect to securities brokerage services via SBI Securities and Monex Securities (financial product intermediary services). The product portfolio includes yen and foreign currency deposits (SBIハイパー預金, スタートアップ円定期預金, 外貨預金), investment products (SBIラップ robo-advisory, iDeCo pension plans, THEO robo-advisor), loan products (housing loans, card loans, lending services), credit cards (including crypto asset rewards cards), and insurance. The bank differentiates through tiered loyalty programs (ステップアッププログラム) and age-based preferential services (U28 Zero世代 for under 28s, Bright 60 for over 60s). All services are accessible through パワーダイレクト online banking and smartphone apps, with free ATM networks and promotional programs like ウェルカムプログラム offering cash incentives for new customers.
Differentiator
Problem solved
Functional benefit
Products and services
- SBI Shinsei Bank Ordinary and Integrated Accounts (SBI新生銀行 普通預金・総合口座) Core banking account offering yen and foreign currency deposits with integrated access to securities brokerage services through SBI Securities and Monex Securities partnerships for individual retail customers.
- SBI Hyper Deposit (SBIハイパー預金) A yen deposit product that automatically links to SBI Securities purchase margin, combining deposit principal guarantee with securities investment functionality for retail customers.
- Startup Yen Time Deposit (スタートアップ円定期預金) Time deposit product exclusively for new account holders offering special interest rates for the first year, available for multiple deposits during the campaign period.
- Foreign Currency Deposits (外貨預金) Foreign currency deposit services including time deposits, accumulation plans, and remittance capabilities for retail customers seeking currency diversification.
- SBI Securities Financial Product Intermediation (SBI証券金融商品仲介) Financial product intermediary service connecting retail customers to SBI Securities for investment trusts, NISA accounts, bonds, and other securities products accessible through the bank's platform.
- Monex Securities Financial Product Intermediation (マネックス証券金融商品仲介) Financial product intermediary service providing retail customers with access to Monex Securities products including investment trusts, stocks, and NISA accounts through the bank's platform.
- SBI Wrap (SBIラップ) Robo-advisory investment service providing automated portfolio management for retail customers, available through both online and branch channels.
- iDeCo Individual-Type Defined Contribution Pension Plan Individual-type defined contribution pension plan for retirement savings with tax advantages, available to retail customers.
- SBI Shinsei Bank Housing Loan (SBI新生銀行 住宅ローン) Housing loan products with special interest rate preferential programs for SBI Hyper Deposit holders, including new borrowing and refinancing options for retail customers.
- Card Loan (カードローン) Unsecured personal card loan product with 30-day interest-free first borrowing promotion for first-time borrowers, available to retail customers.
- SBI Shinsei Bank Credit Card (SBI新生銀行 クレジットカード) Credit card services including SBI's first cryptocurrency reward credit card and a luxury card program offering half-price annual fees and cashback for customers under 28.
- SBI Shinsei Bank Insurance (SBI新生銀行 保険) Insurance products and asset succession/inheritance consultation services for retail customers.
- Lending (レンディング) Personal lending services for individual retail financing needs.
- Power Direct Internet Banking (パワーダイレクト) Internet banking platform enabling comprehensive account management, transfers, and transactions for retail customers.
- SBI Shinsei Bank Smartphone App (SBI新生銀行 スマホアプリ) Mobile banking application for account access, transactions, and financial management for retail customers.
- Kotora Instant Transfer (ことら送金) Instant money transfer service enabling retail customers to send funds to other bank accounts in real time.
- Overseas Remittance Service (海外送金サービス) International remittance service for cross-border money transfers available to retail customers.
- SBI Shinsei Connect (SBI新生コネクト) Digital banking connection service linking customer accounts with external financial services and partners.
- Money Trust including Power Trust Neo (金銭信託 パワートラストNeo) Money trust product including Power Trust Neo series from SoftBank Group, offering trust investments with promotional campaigns for retail customers.
- THEO Robo-Advisor AI-powered robo-advisor service providing automated investment management for retail customers.
- Structured Deposits (仕組預金) Structured deposit products offering various yield and risk profiles for retail customers seeking enhanced returns on deposits.
Quantifiable outcome
- ATM withdrawal fees free minimum 5 times per month at partner convenience stores
- +4 more outcomes
Companies that use Shinsei Bank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Shinsei Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Shinsei Bank partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, secondary and minor.
- SBI証券 (SBI Securities)coreFinancial product intermediation partnership enabling SBI Shinsei Bank customers to access SBI Securities investment products including investment trusts, NISA accounts, bonds, and stocks directly through the bank's platform. The partnership is central to the bank's asset management strategy and includes the innovative SBI Hyper Deposit product that links deposits to SBI Securities purchase margin.
- マネックス証券 (Monex Securities)secondaryFinancial product intermediation partnership providing access to Monex Securities products including investment trusts, stocks, and NISA accounts through the bank's platform. Investment trust price lists redirect to Monex search functionality.
- セブン銀行 (Seven Bank)coreATM network partnership providing Seven-Eleven convenience store ATMs for free customer withdrawals. Silver, Gold, Platinum, and Diamond stage customers receive unlimited free transactions; Standard stage customers receive 5 free transactions per month.
- ローソン銀行 (Lawson Bank)coreATM network partnership providing Lawson convenience store ATMs for free customer withdrawals under the same tiered fee structure as Seven Bank partnership.
- イオン銀行 (AEON Bank)secondaryATM network partnership providing AEON convenience store and bank ATMs for customer withdrawals under the tiered fee structure.
- イーネット (E-net)coreATM network partnership covering FamilyMart, Circle K, Sunkus, and other E-net affiliated convenience store ATMs for free customer withdrawals.
- SBI VCトレード (SBI VC Trade)secondaryCryptocurrency exchange partnership enabling the bank's cryptocurrency-earning credit card product. The card is promoted as SBI's first credit card that earns cryptocurrency.
- 新生インベストメント＆ファイナンス (Shinsei Investment & Finance)minorRelated group company providing real estate secured loans. Promoted as a resource for customers seeking real estate-backed financing options.
- アプラス (Aplus)minorCredit card and payment services company. Related group company offering credit card processing and payment solutions.
- 新生フィナンシャル (Shinsei Financial)minorConsumer finance subsidiary. Promoted as Japan's first and web-only application限定365-day interest-free loan product (lakealsa).
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
Shinsei Bank competitors and assessment
Company assessmentBroad incumbents
- Mizuho Bank: One of Japan's three megabanks offering comprehensive retail and corporate banking, mortgages, and asset management; comparable in retail deposit, mortgage, and investment trust intermediation offerings.
- MUFG Bank: Japan's largest commercial bank offering full retail and wholesale banking, deposits, mortgages, and securities intermediation (Mitsubishi UFJ Morgan Stanley Securities); broader incumbent competing for the same retail deposit and mortgage customer.
- Japan Post Bank: Government-affiliated retail bank with the largest nationwide branch/ATM network and dominant share of household yen deposits; comparable as a mass-retail deposit franchise competing on accessibility and trust.
Direct peers
- SBI Sumishin Net Bank: Digital bank within the broader SBI ecosystem offering yen deposits, mortgage loans, securities intermediation (SBI Securities), and the Yoji Fund investment series; directly comparable as a digital-first peer also leveraging SBI Group partnerships.
- Rakuten Bank: Japanese internet-only retail bank offering yen and foreign currency deposits, securities intermediation (via Rakuten Securities), card loans, mortgages, and crypto-linked services; directly comparable as a digital-first Japanese bank with integrated ecosystem and tiered fee-free banking.
- Seven Bank: Japanese bank focused on ATM services at 7-Eleven plus personal lending and international remittance; competes for the same digital retail customer with partnership-convenience-store ATM coverage, the core channel for SBI Shinsei's free ATM tier.
- Aeon Bank: Retail bank under AEON Group offering deposits, card loans, mortgages, and ATM services in AEON retail locations; directly comparable in convenience-store ATM partnership structure and retail-customer targeting.
- Sony Bank: Online-focused Japanese bank targeting retail customers with multi-currency deposits, investment trust intermediation (Sony Smart Channel), and foreign currency strengths; comparable digital retail bank with similar product breadth and securities intermediation.
Others
Emerging players
- bitFlyer: Japan-licensed crypto exchange with retail trading and crypto card products; comparable as a Japanese crypto-linked retail financial services provider intersecting SBI Shinsei's crypto rewards credit card initiative.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Shinsei Bank social profiles
Digital presenceShinsei Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Shinsei Bank leadership team
Management profileNumber of profiles
Shinsei Bank subsidiaries and ownership
Company hierarchySubsidiaries3 records
Shinsei Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Shinsei Bank M&A and investment
M&A and investmentM&A1 record
Investments54 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Shinsei Bank
What does Shinsei Bank do?
SBI Shinsei Bank is a digital-first Japanese commercial bank offering a comprehensive suite of retail financial products including yen and foreign currency deposits, housing loans, card loans, credit cards (including a cryptocurrency rewards card), investment intermediation services through SBI Securities and Monex Securities, robo-advisory, insurance, and asset succession services. The bank's core differentiator is the integrated SBI Hyper Deposit product that automatically links customer balances to securities purchasing power at SBI Securities.
Is Shinsei Bank a public or private company?
Shinsei Bank is a private company. It is classified as corporate owned and is currently operating.
When was Shinsei Bank founded?
Shinsei Bank was founded in 1952. It employs 5,001 to 10,000 people.
Where is Shinsei Bank based?
Shinsei Bank is headquartered in Muromachi, Japan, in the Asia region.
How does Shinsei Bank make money?
Four revenue lines are on record. Interest Rate Spread is the primary driver. The others are transaction & Fee Income, financial Product Intermediation and credit Card Services.
Who are Shinsei Bank's main competitors?
Broad incumbents on record are Mizuho Bank, MUFG Bank and Japan Post Bank. Direct peers are SBI Sumishin Net Bank, Rakuten Bank, Seven Bank, Aeon Bank and Sony Bank. Sumitomo Mitsui Trust Bank is listed as an others. bitFlyer is listed as an emerging player.
Does Shinsei Bank have an API?
No public API is recorded for Shinsei Bank.