Japan · Financial institution
Rakuten Bank, Ltd.
Legal name in the LEI record楽天銀行株式会社
Rakuten Bank, Ltd. (楽天銀行株式会社) is a Japanese joint-stock company with its head office in Minato-ku, Tokyo. Rakuten Group, Inc. holds 49.26% of its shares and is its parent company. The bank has no physical branches and provides deposits, payments, card loans, mortgages and remittances through online and app channels. It was founded in 2000, was renamed from eBANK Corporation in May 2010 and listed on the Tokyo Stock Exchange Prime Market in April 2023.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- RAKTJPJTXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under RAKTJPJT directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2014-08-30
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Ticker 5838
Institution type
Digital bank
Trades as Rakuten Bank
- Standing
- Rakuten Bank plans to acquire Rakuten Card Co., Ltd. and Rakuten Securities Holdings, Inc. by share delivery. The scheduled effective date is 1 October 2026. After the transaction, Mizuho Bank, Ltd. is expected to hold 10.52% of the bank's common shares.
- Ownership
- Rakuten Group, Inc. holds 49.26% of the shares and is the parent company, and the remaining shares trade on the Tokyo Stock Exchange Prime Market.
- Direct parent
- Rakuten Group, Inc., Japan 49.26%
- Stock listing
- Tokyo Stock Exchange (Prime Market) 5838
- Head office
- 2-16-5 Konan, NBF Shinagawa Tower, Minato-ku, 108-0075 Tokyo, Japan
- Company register
- Corporate Number 5010701022527 (Japan National Tax Agency corporate number, per gBizINFO)
- Former names
- eBANK Corporation (イーバンク銀行株式会社) · Japan Electronic Settlement Planning, Inc.
Business lines
Rakuten Bank is an internet-only bank with no physical branches, and according to its Q1 FY2026 earnings release it had 18.46 million accounts at the end of June 2026.
Online
- Websites & references
- rakuten-bank.co.jp ↗
rakuten-bank.co.jp/corp/english ↗ English corporate and investor-relations site
help-personal.rakuten-bank.net ↗ customer FAQ and help site (retail)
Wikipedia ↗ group article - Official social accounts
- None found
Sources · 11 pages consulted
- rakuten-bank.co.jp/corp/about/profile.html
- rakuten-bank.co.jp/corp/about/management.html
- rakuten-bank.co.jp/
- rakuten-bank.co.jp/corp/english/about/history.html
- rakuten-bank.co.jp/geo/incoming/flow-02.html
- release.tdnet.info/inbs/140120260805510964.pdf
- corp.rakuten.co.jp/news/press/2026/0520_11.html
- corp.rakuten.co.jp/news/press/2026/0225_13.html
- rakuten-bank.co.jp/press/2025/pdf/250625.pdf
- rakuten-bank.co.jp/corp/investors/documents/results/
- info.gbiz.go.jp/hojin/ichiran?hojinBango=5010701022527
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Tomotaka Torin (東林 知隆) Representative Director, President and Chief Executive Officer (代表取締役社長 最高執行役員)
- Chair
- Hiroshi Mikitani (三木谷 浩史) Chairman of the Board, non-executive (取締役会長（非常勤）)
- Chief financial officer
- Naoki Mizuguchi (水口 直毅) Director and Deputy President Executive Officer, in charge of Finance and Planning divisions (取締役 副社長執行役員 財務本部担当役員 兼 企画本部担当役員)
- Executive
- 加藤 卓弥 Managing Executive Officer in charge of Credit, Compliance and Risk Management (常務執行役員 審査本部担当役員 兼 コンプライアンス統括本部担当役員 兼 リスク管理本部担当役員)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Japan
- Financial Services Agency (FSA) Prudential supervisorConductAML supervisorResolution
- Japan
- Bank of Japan Central bankOther
- Japan
- Kanto Local Finance Bureau Securities
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The annual general meeting elected Satoshi Kawai and Mari Kogiso as outside directors, and Naoki Mizuguchi joined the board as Deputy President.
rakuten-bank.co.jp ↗ -
Merger / acquisition
Rakuten Bank agreed to acquire Rakuten Card and Rakuten Securities Holdings by share delivery, with 1 October 2026 as the planned effective date.
corp.rakuten.co.jp ↗ -
Merger / acquisition
Rakuten Group and Rakuten Bank resumed talks on grouping the fintech businesses under the bank, after the 2024 plan was dropped.
corp.rakuten.co.jp ↗ -
Leadership
Tomotaka Torin became Representative Director and President, succeeding Hiroyuki Nagai.
rakuten-bank.co.jp ↗ -
Other
Rakuten Group and Rakuten Bank announced the withdrawal of the fintech reorganisation plan announced in April 2024.
corp.rakuten.co.jp ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- RAKTJPJTXXX
- How the BIC breaks down
- RAKTBank
- JPCountry · Japan
- JTLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 3538007HFAF2NOCBUE44
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Japan · East Asia & Pacific
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Ultimate parent
- 楽天グループ株式会社 · Japan529900IMXUCQKUL1H943 ↗
The Rakuten Group, Inc. group has 4 institutions in the directory, in 1 country: all hold a BIC.
Including Rakuten Investment Management,inc., Rakuten Securities, Inc., Rakuten, Inc..
See the Rakuten Group, Inc. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 2-16-5 KONAN MINATO-KU 1080075 JAPAN
- Operational address
- 2-16-5 KONAN MINATO- KU MINATO- KU 1080075 JAPAN
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>RAKTJPJTXXX</BICFI>
<LEI>3538007HFAF2NOCBUE44</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>RAKTJPJTXXX</BICFI>
<LEI>3538007HFAF2NOCBUE44</LEI>
<Nm>RAKUTEN BANK, LTD.</Nm>
<PstlAdr>
<TwnNm>MINATO-KU</TwnNm>
<Ctry>JP</Ctry>
<AdrLine>2-16-5 KONAN MINATO-KU 1080075</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Network
Correspondent banking
The bank publishes 1 account at other banks.
- Own offices
- Correspondent banks: it holds accounts there
Hover over a branch, account or group to see its details
Correspondent accounts
Researched 29 Sep 2026 · Sources
1 account at other banks, for mandatory intermediary bank for incoming international remittances, as the bank publishes them: rakuten-bank.co.jp ↗
| Currency | Correspondent | BIC | Account | Directory check |
|---|---|---|---|---|
| — | SUMITOMO MITSUI BANKING CORPORATION, TOKYO, JAPAN Japan | SMBCJPJT | — | Matches the Swift directory |
Official page 'Information to give the remitter' for incoming international remittances. It names Sumitomo Mitsui Banking Corporation, Tokyo (SMBCJPJT) as the mandatory intermediary bank. No currency and no account number are published. The same instruction appears on the corporate and sole-proprietor help pages. Direction is inferred from the intermediary role. One row, extracted in full. Each correspondent BIC is checked against the Swift directory: a BIC missing from it, or registered to a differently named bank, may be a typo or out of date. Confirm settlement instructions with the bank before relying on them.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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