10x Gap in 'Mandatory Visit' Requirements Between Megabanks and Online Banks for Corporate Accounts
Yushi Daiko Pro Co., Ltd. released a survey of 342 CEOs regarding corporate account opening. While 30% of megabank users found physical visit requirements burdensome, only 3% of online bank users felt the same, revealing a significant DX gap. Furthermore, 16.4% have been rejected for accounts, often without any explanation.
📋 Article Processing Timeline
- 📰 Published: May 19, 2026 at 23:10
- 🔍 Collected: May 19, 2026 at 14:31
- 🤖 AI Analyzed: May 27, 2026 at 10:19 (187h 47m after Collected)
Yushi Daiko Pro Co., Ltd. (HQ: Minato-ku, Tokyo; CEO: Kotaro Okajima) conducted a 'Corporate Account Opening Survey' targeting 342 business owners. In recent years, opening corporate accounts has become more challenging due to stricter anti-money laundering (AML) and KYC regulations. The 'Law on Promotion of Business Financing,' effective May 2026, further emphasizes the need for evaluating business potential.
### 1. Physical Visits as the Main Hurdle; Completion Typically Within 1-2 Weeks
The survey found that 24.9% of CEOs struggled with 'mandatory physical visits,' making it the top concern. Other issues included 'preparing documents' (21.3%) and 'opaque screening criteria' (15.8%). Interestingly, 52.9% completed the process within a week, suggesting that the dissatisfaction lies more with the physical constraint of visiting a branch than the duration itself.
### 2. A 10x DX Gap Among Financial Institutions
When analyzed by bank type, 30.7% of megabank users and 27.8% of regional bank users struggled with visit requirements. In stark contrast, only 3.0% of online bank users reported this issue, representing a 10-fold difference between megabanks and online banks. Younger business owners in their 40s felt the strongest burden regarding in-person procedures.
### 3. High Rejection Rates and Opaque Reasons
16.4% of respondents had been denied a corporate account in the past. When asked for the reason, 33.9% stated they were 'not given a reason,' followed by 'lack of business track record' (26.8%) and 'low capital' (16.1%). The fact that one in three rejections occurs without explanation remains a significant barrier for startups and small businesses.
### 1. Physical Visits as the Main Hurdle; Completion Typically Within 1-2 Weeks
The survey found that 24.9% of CEOs struggled with 'mandatory physical visits,' making it the top concern. Other issues included 'preparing documents' (21.3%) and 'opaque screening criteria' (15.8%). Interestingly, 52.9% completed the process within a week, suggesting that the dissatisfaction lies more with the physical constraint of visiting a branch than the duration itself.
### 2. A 10x DX Gap Among Financial Institutions
When analyzed by bank type, 30.7% of megabank users and 27.8% of regional bank users struggled with visit requirements. In stark contrast, only 3.0% of online bank users reported this issue, representing a 10-fold difference between megabanks and online banks. Younger business owners in their 40s felt the strongest burden regarding in-person procedures.
### 3. High Rejection Rates and Opaque Reasons
16.4% of respondents had been denied a corporate account in the past. When asked for the reason, 33.9% stated they were 'not given a reason,' followed by 'lack of business track record' (26.8%) and 'low capital' (16.1%). The fact that one in three rejections occurs without explanation remains a significant barrier for startups and small businesses.
FAQ
法人口座開設において、経営者が最も苦労している点は何ですか？
調査によると「来店が必要だった」ことが24.9%で最多となっており、次いで「必要書類の準備」（21.3%）、「審査基準が不明」（15.8%）が挙げられています。
メガバンクとネット銀行で、来店負担にどのような差がありますか？
メガバンク利用者の30.7%が来店必須に苦労した一方、ネット銀行利用者では3.0%にとどまり、約10倍の開きがあることが明らかになりました。
法人口座開設を断られた際、金融機関からはどのような理由が示されますか？
開設を断られた経営者のうち、33.9%が「理由を教えてもらえなかった」と回答しており、最も多い理由となっています。
年代によって「来店必須」に対する負担感は異なりますか？
40代の経営者が33.3%と最も高く、次いで50代（26.6%）、60代（23.0%）となっており、現役世代ほど物理的な拘束を強く負担に感じています。
法人口座開設には通常どれくらいの期間がかかりますか？
全体の52.9%が1週間未満、82.2%が2週間未満で完了しており、期間自体は比較的短期間で済む傾向にあります。