Minna Bank
Japan's first digital-native bank, built cloud-first.
Japan's first digital-native bank.
- Who holds it
- The company itself — it holds a full banking licence — Bank license (JP).
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from Minna Bank’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Fukuoka, JP |
| Founded | 2021 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Bank license (JP) |
| Card | Visa · Debit |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Asia |
| Founders | Fukuoka FG |
Verified links: official site ↗
Common questions about Minna Bank
What is Minna Bank?
Minna Bank is a fiat neobank, headquartered in Fukuoka, JP and founded in 2021. Your money is held custodially, so Minna Bank or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Bank license (JP)).
Does Minna Bank have a card, and where can you use it?
It issues a Visa debit card. It is available in Asia.
Does Minna Bank require KYC?
Yes. Minna Bank requires identity verification (KYC) to open an account, as a licensed bank.
Peers
Wise · KakaoBank · WeBank · bKash · Maya · GCash
Minna Bank appears in
Neobanks that hold their own banking license (132) · Neobanks available in Asia (132) · Neobanks that issue a Visa card (182)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.