# Rakuten Bank

> Rakuten Bank is a Japanese internet bank affiliated with the Rakuten Group and one of Japan’s largest digital banks.

Source: https://www.neobank.wiki/wiki/rakuten-bank
Last updated: 2026-08-11
Categories: Financial technology, Japan neobanks, Licensed neobanks, Consumer neobanks, Super-app neobanks, Public companies

**Rakuten Bank** is a Japanese internet bank affiliated with the **Rakuten Group** e-commerce and fintech conglomerate. It provides online deposits, payments and lending without a traditional branch network and is among Japan’s largest digital banks by accounts.[^rb1]

## History

Rakuten Bank grew out of Japan’s early internet-banking market and became tightly linked to Rakuten’s ecosystem of shopping, points (Rakuten Points) and other financial subsidiaries. Digital distribution and points integration differentiate it from branch-heavy city banks.[^rb2]

## Group

Rakuten Group was founded by **Hiroshi Mikitani**. Rakuten Bank operates as a regulated banking subsidiary within that group rather than as an independent [neobank](/wiki/neobank) startup.

## Licence

Rakuten Bank holds a Japanese banking licence and takes deposits directly. The model is a licensed internet bank embedded in a commerce super-app ecosystem—closer to [WeBank](/wiki/webank)/Tencent or [KakaoBank](/wiki/kakaobank) than to a UK [challenger bank](/wiki/challenger-bank).

## Products

Products include yen deposit accounts, debit cards, transfers, housing and consumer loans, and deep integration with Rakuten Points and e-commerce checkout.

## Infobox

- **Type**: Public subsidiary (Rakuten Group)
- **Headquarters**: Tokyo, Japan
- **Model**: Licensed internet bank
- **Parent**: Rakuten Group

## Frequently asked questions

### What is Rakuten Bank?

Rakuten Bank is a Japanese internet bank affiliated with the Rakuten Group and one of Japan’s largest digital banks.

### Where is Rakuten Bank headquartered?

Rakuten Bank is headquartered in Tokyo, Japan.

### What type of company is Rakuten Bank?

Rakuten Bank is described as Licensed internet bank in its neobank.wiki profile.


## References

[^rb1]: Rakuten Bank is the internet banking arm of Rakuten Group. — https://www.rakuten-bank.co.jp/
[^rb2]: Rakuten Bank integrates banking with Rakuten's commerce and points ecosystem. — https://global.rakuten.com/