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Osaka Kosei Shinkin Bank to Offer Interest Rate Campaign for Smartphone-Exclusive Fixed Deposit "Tokimeki Teiki Yokin" at Internet Branch "Osaka Tokimeki Branch"

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Kirishima ReiEditor-in-Chief, AI News Focus: structuring JP/TW corporate news & AEO

Published Jul 1, 2026 6:00 PM ・ Updated Jul 1, 2026 10:39 AM ・ 9 min read ・ Source: PR TIMES

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Osaka Kosei Shinkin Bank to Offer Interest Rate Campaign for Smartphone-Exclusive Fixed Deposit "Tokimeki Teiki Yokin" at Internet Branch "Osaka Tokimeki Branch" — Image: PR TIMES

PRIMARY SOURCE PR TIMES View source Distributor: PR TIMES
Published: Jul 1, 2026

Osaka Kosei Shinkin Bank (Financial Institution Code: 1633) will implement an interest rate campaign for its app-exclusive fixed deposit "Tokimeki Teiki Yokin" at its smartphone app-exclusive internet branch, "Osaka Tokimeki Branch," starting Wednesday, July 1, 2026.

The "Osaka Tokimeki Branch," which opened on November 10, 2025, is now launching an interest rate campaign for the fixed deposit "Tokimeki Teiki Yokin," exclusively for new customers. This offer features preferential interest rates higher than those at regular branch counters, and applications can be made through the "Osaka Kosei Shinkin Bank App" without the need to visit a branch.

Campaign Overview

[Product Name]

Tokimeki Teiki Yokin (Osaka Tokimeki Branch App-Exclusive Fixed Deposit)

[Application Period]

Wednesday, July 1, 2026 - Wednesday, September 30, 2026

[Total Amount to be Raised]

5 billion yen

*Interest rates may be changed or applications may be suspended during the application period due to changes in interest rate conditions.

[Applicable Interest Rate (Annual)]

▶ 1-year term: 1.300% (1.035% after tax)

▶ 3-year term: 1.350% (1.075% after tax)

*Rates shown are as of April 1, 2026.

[Deposit Amount]

100,000 yen or more, up to 10 million yen (up to 30 million yen per person)

[Eligibility for Deposit]

Individuals aged 18 or over, who use a passbookless account with the Osaka Kosei Shinkin Bank App, and are the sole account holder.

[Eligible Applicants]

・Individuals aged 18 or over, who are the sole account holder.

・Individuals with Japanese nationality.

・Those who do not have an account with Osaka Kosei Shinkin Bank.

・Residents of Osaka Prefecture, Kyoto Prefecture, Hyogo Prefecture, Nara Prefecture, Shiga Prefecture, or Wakayama Prefecture only.

How to Open an Account via the App

To apply for this fixed deposit, you need to download the "Osaka Kosei Shinkin Bank App." With no need to visit a branch and simple operation, you can complete everything from account opening to creating a fixed deposit from your smartphone at home.

Important Notes

Fixed deposits can only be handled via smartphone. Please note that they cannot be handled at branch counters.

Rates shown are as of April 1, 2026. *Explanations are available on our website.

This fixed deposit is covered by the deposit insurance system. Principal and interest up to 10 million yen per depositor are protected.

To make a new deposit for this fixed deposit, you must install the "Osaka Kosei Shinkin Bank App" on your smartphone. Additionally, as this fixed deposit is created by transferring funds from a regular savings account, a general account with our bank is required, along with a passbookless contract through the "Osaka Kosei Shinkin Bank App."

Certificates and passbooks will not be issued; please check your account details via the "Osaka Kosei Shinkin Bank App."

Customers will be responsible for performing the procedures for new deposits and cancellations themselves through the "Osaka Kosei Shinkin Bank App."

This is an automatic renewal product. It will automatically renew at the interest rate for the same product and term applicable on the renewal date.

Interest is subject to withholding tax of 20.315% (15.315% national tax, 5% local tax).

Withdrawal before maturity is generally not permitted, but in unavoidable circumstances, the intermediate withdrawal interest rate determined by the bank will apply.

This fixed deposit is handled as an interest-bearing fixed deposit associated with a general account.

In case of cancellation, the principal and interest will be deposited into the general account where the fixed deposit was held.

Deposits for this fixed deposit are limited to the Osaka Tokimeki Branch only.

Interest rates may be changed or applications may be suspended during the application period due to changes in interest rate conditions.

Inquiries regarding this matter

Osaka Tokimeki Branch

Free Dial: 0120-163-380

Reception Hours: Weekdays 9:00 AM - 4:00 PM (excluding bank holidays)

Osaka Kosei Shinkin Bank App

Details Page: https://www.co-sei.co.jp/app_t/index.html

FACT BOX

Source: PR TIMES
Category: キャンペーン

AI 圖像理解（模型對圖片的判讀，非新聞原文事實） / AI image understanding / AI 画像理解

模型對圖片的判讀，非新聞原文事實 / Model interpretation of images, not source-article facts / モデルによる画像判読で、ニュース原文の事実ではありません

以下為AI對圖片的理解非新聞原文事實

The image is a promotional graphic for a fixed deposit campaign by Osaka Kosei Shinkin Bank, featuring cartoon characters and beach imagery. It highlights interest rates for 1-year and 3-year deposits.

Promotional image for Osaka Kosei Shinkin Bank's "Tokimeki Fixed Deposit" campaign, featuring interest rates and beach scenery.

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The Washin AI News desk structures and reviews this article under the following standards.

Start only from primary sources (official PR, disclosures, wire services)
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Editorial log (Published → Collected → AI analysis → Published: transparency timeline)›

Announced　Jul 1, 2026 6:00 PM — Distributor PR TIMES
Collected　Jul 1, 2026 9:34 AM
AI structured & analyzed　Jul 1, 2026 9:34 AM
Desk-reviewed & published　Jul 1, 2026 6:00 PM

FAQ

What are the key facts in this article?

Where is the primary source?

PR TIMES: https://prtimes.jp/main/html/rd/p/000000002.000179472.html

When was it published?

Jul 1, 2026

Cite this article — HOW TO CITE

Washin AI News Desk“Osaka Kosei Shinkin Bank to Offer Interest Rate Campaign for Smartphone-Exclusive Fixed Deposit "Tokimeki Teiki Yokin" at Internet Branch "Osaka Tokimeki Branch"”AI News by Washin Village（和心村）, Jul 1, 2026. https://aeo.washinmura.jp/ai/co-sei-co-jp/en/news/2026-07-01-%E5%A4%A7%E9%98%AA%E5%8E%9A%E7%94%9F%E4%BF%A1%E7%94%A8%E9%87%91%E5%BA%AB-%E3%82%A4%E3%83%B3%E3%82%BF%E3%83%BC%E3%83%8D%E3%83%83%E3%83%88%E6%94%AF%E5%BA%97-%E5%A4%A7%E9%98%AA%E3%81%A8%E3%81%8D%E3%82%81%E3%81%8D%E6%94%AF%E5%BA%97-%E3%81%AB%E3%81%A6-%E3%82%B9%E3%83%9E%E3%83%9B%E5%B0%82%E7%94%A8%E5%AE%9A%E6%9C%9F%E9%A0%90%E9%87%91

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