GMO Aozora Net Bank

Tagline Brand's website · 2026-11-08

Japanese online bank providing banking, payment, lending, foreign-currency, FX, debit card, and embedded-finance services.

Description Brand's website · 2026-11-08

GMO Aozora Net Bank is an online bank serving individuals, sole proprietors, corporations, government agencies, and businesses integrating financial services through BaaS and banking APIs.

Mission Brand's website · 2026-11-08

To provide banking services that address customers’ personal and business needs, including embedded finance that enables companies to use banking functions within their own services.

Website Brand's website · 2026-11-08

https://gmo-aozora.com

Voice & tone Brand's website · 2026-11-08

Formal, informative, service-oriented, and customer-focused.

Problem solved Brand's website · 2026-11-08

Reduces the operational and cost burdens of banking, payments, collections, transfers, account management, and financial-service integration for individuals and businesses.

Core capabilities Brand's website · 2026-11-08

• Online account opening and internet banking
• Business and personal banking
• Bank transfers and payment services
• Virtual accounts and automated payment reconciliation
• Banking API and BaaS integration
• Deposits and foreign-currency deposits
• FX trading
• Debit card services

Products / SKUs Brand's website · 2026-11-08

• Corporate accounts
• Sole proprietor accounts
• Personal accounts
• Yen ordinary and time deposits
• Foreign-currency deposits
• GMO Aozora FX
• Business debit card
• Debit cash card

Pricing Brand's website · 2026-11-08

Corporate and sole proprietor account opening and maintenance fees are stated as free. Transfers to other banks are advertised at a flat ¥100 per transaction for corporate and sole proprietor accounts. Personal customers can receive fee-free ATM withdrawals and transfers to other banks according to customer-stage benefits, up to 20 uses per month at the highest stated stage. Other fees vary by product and service.

Target industry Brand's website · 2026-11-08

Banking and financial services, with embedded-finance and payment infrastructure for businesses across industries.

Customer base Brand's website · 2026-11-08

Corporations, sole proprietors, individuals, municipalities and other government agencies, and businesses seeking to integrate banking functions into their services.

Ideal customer profile Brand's website · 2026-11-08

Japanese corporations and sole proprietors needing low-cost online banking, payment collection, account management, APIs, or business financing; individuals seeking online deposits, transfers, debit cards, FX, and foreign-currency services; and companies building financial functionality into their own products.

Use cases Brand's website · 2026-11-08

• Opening and maintaining corporate, sole proprietor, or personal bank accounts
• Collecting payments through virtual accounts
• Automatically reconciling incoming payments
• Reducing transfer fees
• Managing multiple accounts and business IDs
• Making domestic and international transfers
• Using debit cards and ATM services
• Holding yen or foreign-currency deposits

Customer outcomes Brand's website · 2026-11-08

• Lower business transfer-fee costs
• Automated payment reconciliation and reduced administrative workload
• Improved identification of customers or projects associated with incoming payments
• Smoother and more secure accounting operations
• Access to online banking and account services without account-opening or maintenance fees for stated business accounts
• Fee-free ATM withdrawals and transfers according to personal customer-stage benefits
• Cashback benefits on eligible debit-card spending
• Ability to add banking functions to a company’s own service