Fundraising Target of 50 Billion Yen! Minna no Ginko Launches 5th Anniversary Special Interest Rate Campaign

Minna no Ginko Co., Ltd. (President and CEO: Kenichi Nagayoshi, hereinafter "Minna no Ginko"), which launched its services as Japan's first digital bank, celebrates its 5th anniversary this year. To commemorate this milestone, we are launching the "Fundraising Target of 50 Billion Yen! Minna no Ginko 5th Anniversary Special Interest Rate Campaign."

Customers who meet the conditions between July 1, 2026, and September 30, 2026, will receive a special interest rate of 1.1% per annum (0.876% after tax) for their savings deposit for six months from November 10, 2026, to May 10, 2027. Premium members will receive an even higher rate of 1.4% per annum (1.115% after tax).

This campaign will end early if the total fundraising amount reaches 50 billion yen.

About Savings Deposits (Saving and Box)

When opening a current account with Minna no Ginko, a savings deposit account is also automatically opened. The savings deposit account includes the automatically created "Saving" account and the virtual account "Box" that can be created later. The balance and interest rate applicable to this campaign apply to both. Unlike fixed-term deposits, savings deposits allow for free deposits and withdrawals and have no maturity date. The "Box" is a convenient account that allows you to separate and manage funds for future goals or monthly expenses. You can deposit money you are not currently using in a "Box" conveniently and profitably.

"Fundraising Target of 50 Billion Yen! Minna no Ginko 5th Anniversary Special Interest Rate Campaign" Overview

Condition Achievement Period

July 1, 2026 (Wed) - September 30, 2026 (Wed)

* The campaign will end early if the total deposit balance in the "5th Anniversary Interest Rate"*1 Box (savings deposit) reaches the fundraising target of 50 billion yen.

Eligible Participants

Those who have met both conditions 1 and 2 during the condition achievement period.

Conditions

1 The deposit balance (total of current and savings deposits) has increased by 1 million yen or more*2

2 Create a Box (savings deposit) named "5th Anniversary Interest Rate" and deposit 1 million yen or more, maintaining the balance until 23:59 on the last day of the achievement period.

Benefit

A special interest rate*3 will be applied to deposits made into the savings deposit account for those who have met conditions 1 and 2.

Special Interest Rate

A special interest rate of 1.1% per annum (0.876% after tax) will be applied to savings deposits, and an even higher rate of 1.4% per annum (1.115% after tax) for premium members*4.

* The special interest rate will not change even if the base interest rate fluctuates during the special interest rate application period.

* Interest is subject to a 20.315% tax, including reconstruction special income tax.

Special Interest Rate Application Period

November 10, 2026 (Tue) - May 10, 2027 (Mon)

Upper Limit for Special Interest Rate Application

An upper limit for the application of the special interest rate will be set based on the balance of the "5th Anniversary Interest Rate" Box (savings deposit) as of 23:59 on the last day of the condition achievement period. Please refer to the table below for amounts.

Balance of "5th Anniversary Interest Rate" Box (Savings Deposit)

Upper Limit for Interest Bonus Application

1 million yen to less than 5 million yen

5 million yen

5 million yen to less than 10 million yen

10 million yen

10 million yen to less than 50 million yen

50 million yen

50 million yen to less than 100 million yen

100 million yen

100 million yen or more

No limit

Special Website

https://www.minna-no-ginko.com/campaign/2026/07/01/833/

*1 The "5" in the Box name "5th Anniversary Interest Rate" is applicable in both half-width and full-width characters.

*2 Conditions are met by those whose deposit balance (total of current and savings deposits) has increased by 1 million yen or more when comparing the balance at 23:59 on June 30, 2026 (the day before the start of the condition achievement period) with the balance at 23:59 on the last day of the condition achievement period.

*3 The special interest rate applies to the balance of the savings deposit account (total of Saving and Box). It does not apply to the balance of the current deposit account.

*4 Premium service requires a monthly fee of 600 yen. It is free for the first 6 months from initial registration.

How to Create a "5th Anniversary Interest Rate" Box

【Contact for Inquiries from Media】

Minna no Ginko Co., Ltd. Public Relations: Imamura, Ichihara, Oka

TEL: 092-791-9231 E-mail: pr@minna-no-ginko.com