DigitalBankNetworks.com
DIGITAL BANKNETWORKS

Tokyo Digital Bank · Digital Bank Accounts · Japan

Best Digital Bank Accounts in Tokyo

Compare digital bank accounts providers available to Tokyo, Japan residents — with clear fees, features, and eligibility in one place.

Eligibility, pricing, and availability vary by provider, residency, and regulation in Japan. Confirm the terms directly with each provider before opening an account.

Featured Digital Bank Accounts Providers

Updated October 2026

Up to three eligible picks for Tokyo, ranked from our verified partner directory for Japan. Availability in Japan and eligibility criteria are set by each provider.

Top Pick

Ally

4.7

Top Digital Bank Accounts Provider

Ally offers reliable digital bank accounts services with competitive rates and global coverage.

  • Global Access
  • Low Fees
  • Fast Setup

Availability in Japan and eligibility criteria are determined by the provider. Check terms before applying.

View provider

Axos

4.7

Axos offers reliable digital bank accounts services with competitive rates and global coverage.

  • Global Access
  • Low Fees
  • Fast Setup

Availability in Japan and eligibility criteria are determined by the provider. Check terms before applying.

View provider

Revolut

4.7

Revolut offers reliable digital bank accounts services with competitive rates and global coverage.

  • Global Access
  • Low Fees
  • Fast Setup

Availability in Japan and eligibility criteria are determined by the provider. Check terms before applying.

View provider

How we pick: providers shown here come from our verified affiliate directory filtered by availability in Asia and Japan, competitive fees, multi-currency support, and user ratings. Rankings may include affiliate partners — see the disclosure below.

Local guide

Digital Bank Accounts in Tokyo: what to know

A digital bank account lets people in Tokyo, Japan open and manage an account from a phone, without visiting a branch. If you earn or spend in JPY (Japanese yen), compare whether each provider gives you local account details or only an international IBAN.

Currency in Japan
JPY · Japanese yen
Local accounts in Japan
A Japanese domestic transfer requires the recipient bank and branch, account type, account number, and account-holder name. Bank and branch codes are commonly used to identify the destination.
Payments in Japan
Domestic furikomi transfers use Japan’s nationwide Zengin network. Enter the recipient’s bank, branch, account type, number, and name exactly as supplied, then check the provider’s JPY processing window.

Before you sign up in Tokyo

A Japanese domestic transfer requires the recipient bank and branch, account type, account number, and account-holder name. Bank and branch codes are commonly used to identify the destination. Confirm the provider is authorised by Japan Financial Services Agency (JFSA) or passported into Japan.

Sources: Japan Financial Services Agency · Japanese Payment Services Act · SBI Shinsei Bank: branch and account details

All Digital Bank Accounts Providers in Tokyo

14 providers to compare, including the three featured above.

  • #4

    N26

    4.7

    N26 offers reliable digital bank accounts services with competitive rates and global coverage.

    View provider
  • #5

    Bunq

    4.7

    Bunq offers reliable digital bank accounts services with competitive rates and global coverage.

    View provider
  • #6

    Wise

    4.7

    Wise offers reliable digital bank accounts services with competitive rates and global coverage.

    View provider
  • #7

    Jetonbank

    Global money management built for business

    View provider
  • #8

    Globe Digital Bank

    WorldFirst-powered multi-currency accounts and transfers across 2,500+ cities and 200+ countries.

    View provider
  • #9

    Airwallex

    Global financial infrastructure for modern businesses

    View provider
  • #10

    Payoneer

    Get paid globally. Pay suppliers. Grow your business.

    View provider
  • #11

    Monese

    Banking for everyone — regardless of where you come from

    View provider
  • #12

    PayPal

    The world's most trusted way to pay and get paid

    View provider
  • #13

    Klarna

    Shop now, pay later — on your terms

    View provider
  • #14

    Nubank

    Latin America's banking revolution — now the world's largest digital bank

    View provider

More Financial Services in Tokyo

Explore other banking categories available in Tokyo

Digital Bank Accounts in Other Cities

Compare digital bank accounts providers across Asia

Frequently Asked Questions

Common questions about digital bank accounts in Tokyo

Ready to Choose Your Digital Provider?

Compare the featured digital bank accounts providers for Tokyo and open your account online.

Compare All Providers

Disclosure: Digital Bank Networks is not a bank. We are an independent comparison platform. Some of the providers on this page are our affiliate partners, and we may receive compensation when you open an account through our links. This does not affect our ratings or rankings, which are based on independent analysis. All information is provided for educational purposes only. Please review each provider's terms and conditions before opening an account.