# GMO Aozora Net Bank > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-08. - **Brand record:** https://optimly.ai/brand/gmo-aozora-net-bank - **Dataset:** https://optimly.ai/brand/gmo-aozora-net-bank.json - **Markdown:** https://optimly.ai/brand/gmo-aozora-net-bank/llms.txt - **Official website:** https://gmo-aozora.com - **Slug:** gmo-aozora-net-bank - **Categories:** fintech-financial-services ## Overview - **Tagline:** Japanese online bank providing banking, payment, lending, foreign-currency, FX, debit card, and embedded-finance services. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Description:** 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. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 ## Identity - **Mission:** 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. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Website:** https://gmo-aozora.com Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Voice & tone:** Formal, informative, service-oriented, and customer-focused. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 ## Offerings - **Problem solved:** Reduces the operational and cost burdens of banking, payments, collections, transfers, account management, and financial-service integration for individuals and businesses. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Core capabilities:** - 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 Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Products / SKUs:** - Corporate accounts - Sole proprietor accounts - Personal accounts - Yen ordinary and time deposits - Foreign-currency deposits - GMO Aozora FX - Business debit card - Debit cash card Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Pricing:** 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. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 ## Audience - **Target industry:** Banking and financial services, with embedded-finance and payment infrastructure for businesses across industries. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Customer base:** Corporations, sole proprietors, individuals, municipalities and other government agencies, and businesses seeking to integrate banking functions into their services. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Ideal customer profile:** 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. Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Use cases:** - 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 Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 - **Customer outcomes:** - 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 Source: Brand's website (https://gmo-aozora.com) · 2026-11-08 Page last updated 2026-11-08. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.