Need to log in to Rakuten Bank? Go to rakuten-bank.co.jp and click the login button (ログイン). Enter your User ID and password. Rakuten Bank is Japan’s largest online bank with 17 million accounts and 12+ trillion yen in deposits. They offer an English website for account management, but support is primarily in Japanese.
How to Log In to Rakuten Bank
🖥️ Web Banking
- Go to rakuten-bank.co.jp
- Click “ログイン” (Login) button
- Enter your User ID (支店番号 + 口座番号)
- Enter your login password
- Access your account dashboard
📱 Rakuten Bank App
- Download “楽天銀行” (Rakuten Bank) app
- Available on Google Play and App Store
- Log in with your User ID and password
- Enable biometric login (fingerprint/Face ID)
- 24/7 access to transfers and balance
🌐 English Website
- Visit rakuten-bank.co.jp/english/
- Account opening in English available
- Some app features in English
- Transfers require Japanese interface
- No physical branches anywhere
About Rakuten Bank
Rakuten Bank (楽天銀行) is Japan’s largest online bank, surpassing 17 million customer accounts as of 2026. With deposits exceeding 12 trillion yen, it leads Japan’s digital banking sector. The bank operates entirely online with no physical branches.
📊 Key Facts (2026): 17+ million accounts, 12+ trillion yen in deposits, part of Rakuten Group ecosystem (credit cards, securities, mobile). Popular for Rakuten Points integration and no monthly fees on basic accounts.
What Customers Are Saying
Known Issues
- App usability – Document scanning feature described as “terrible” – only accepts in-app scans, loses data on timeout
- Account rejections – Some foreigners report unexplained rejections even with valid visas and other Rakuten products
- Late notifications – Transaction emails sometimes delivered late or missing details
- No in-person support – No physical branches to visit in all of Japan
- Account freezing – Reports of sudden transaction denials without clear explanation
If You Have a Problem
- Try the AI chatbot on the website first
- Call English support: 0570-091-910
- Hours: Mon-Fri 9:00-17:00 (no weekends/holidays)
- Use email support with translation tools if needed
- Escalate to Japan’s Financial Services Agency if unresolved
Opening an Account (For Foreigners)
Rakuten Bank is one of the most foreigner-friendly online banks in Japan due to its English application process.
Requirements
- At least 18 years old (some services require 20+)
- Valid Japanese residential address
- Residence card (Zairyu Card) or My Number Card
- Japanese mobile phone number
- Valid visa status (tourists may face restrictions)
How to Apply
- Visit rakuten-bank.co.jp/english/
- Click “Open an Account”
- Complete online application (available in English)
- Upload ID documents via app
- Receive debit card by mail (1-2 weeks)
⚠️ Important: If you leave Japan permanently, you must close your Rakuten Bank account. The bank is for Japan residents only.
Contact Rakuten Bank
📞 English Support: 0570-091-910
⏰ Hours: Mon-Fri 9:00-17:00
❌ Closed: Weekends, holidays, New Year
🌐 Website: rakuten-bank.co.jp
🌐 English: rakuten-bank.co.jp/english/
🏦 Branches: None (100% online bank)
Related Japanese Bank Guides
- MUFG Bank – Japan’s largest traditional bank
- Shinsei Bank – Online-focused bank with English support
- Kagawa Bank – Regional bank in Shikoku
- Hiroshima Bank – Regional bank in Chugoku
- Bank of the Ryukyus – Regional bank in Okinawa
Frequently Asked Questions
How do I log in to Rakuten Bank?
Go to rakuten-bank.co.jp and click the ログイン (Login) button. Enter your User ID (branch number + account number) and login password. You can also use the Rakuten Bank mobile app for 24/7 access.
Does Rakuten Bank have English support?
Yes, Rakuten Bank has an English website for account opening and some account management. English phone support is available at 0570-091-910, Monday-Friday 9:00-17:00. However, some transactions like transfers must be done in Japanese.
Can foreigners open a Rakuten Bank account?
Yes, foreigners residing in Japan can open accounts. You need a valid residence card (Zairyu Card), Japanese address, Japanese mobile number, and valid visa status. The application process is available in English online.
Does Rakuten Bank have physical branches?
No, Rakuten Bank is a 100% online bank with no physical branches anywhere in Japan. All banking is done through the website or mobile app. Customer support is available by phone, email, and AI chatbot.
What is Rakuten Bank’s customer service number?
For English support, call 0570-091-910 (Monday-Friday 9:00-17:00, closed weekends and holidays). For Japanese support, multiple numbers are available on their website depending on your inquiry type.
How big is Rakuten Bank?
Rakuten Bank is Japan’s largest online bank with over 17 million customer accounts and deposits exceeding 12 trillion yen as of 2026. It’s part of the Rakuten Group ecosystem.
Why was my Rakuten Bank account application rejected?
Rakuten Bank doesn’t always explain rejection reasons. Common issues include incomplete documentation, short visa validity, or address verification problems. Try reapplying with updated documents or consider other banks like Shinsei Bank.
Can I keep my Rakuten Bank account if I leave Japan?
No, if you permanently leave Japan, you must close your Rakuten Bank account. The bank is for Japan residents only. Notify the bank before departure and transfer your funds to another account.
What are Rakuten Points and how do they work with the bank?
Rakuten Bank integrates with Rakuten Points, Japan’s largest loyalty program. You can earn points on transactions, use points to pay bills, and get bonus rates when using multiple Rakuten services together.
Is the Rakuten Bank app available in English?
The Rakuten Bank app has partial English support for basic functions like checking balances, but some features including transfers are only available in Japanese. The account opening section is fully in English.
Summary
Rakuten Bank (楽天銀行) is Japan’s largest online bank with 17+ million accounts. To log in, visit rakuten-bank.co.jp and enter your User ID and password. The bank offers an English website and phone support (0570-091-910), making it relatively foreigner-friendly for Japan. However, it has no physical branches and some customers report app usability issues and unexplained account rejections. Part of the Rakuten ecosystem, it integrates well with Rakuten Points and other Rakuten services.
Last Updated on February 11, 2026
URL: https://log-in.me/rakutenbankltd-tokyo-japan/