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au じぶん銀行 (au Jibun Bank)

Confidence: Likely Updated 2026-05-25 Review by 2026-11-25 Sources 4 Machine-translated Original (JA)
#JapanFG#banking#internet-bank#KDDI#MUFG#mobile-finance
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This entry sits under regional-banks INDEX. Read it against Sony Bank / ORIX Bank / Rakuten Bank for peer internet bank context, MUFG Bank as parent group co-investor, and banking index for the broader system / regulatory boundary.

TL;DR

au Jibun Bank Corporation is an internet bank jointly funded by KDDI (au) and Mitsubishi UFJ FG (MUFG). From 2008-06 , as the former “Jibun Bank,” it was established by KDDI and MUFG Bank at a 50:50 stake and began operations; in 2020-02 , an increase in KDDI’s stake made it a consolidated subsidiary of KDDI, and it was renamed to its current trade name “au Jibun Bank.” It holds an ordinary bank license (license from the Director-General of the Kanto Local Finance Bureau) and follows a branchless internet-only bank model. Its distinctive position is that it links KDDI’s telecom customer base (au subscribers / Ponta points / au PAY) with MUFG’s banking-operations infrastructure. With strengths in a smartphone-centric approach and au economic-zone integration, it offers mortgages, card loans, foreign-currency deposits, FX, and investment trusts. Its competitors are internet banks / telecom-affiliated banks such as Rakuten Bank・Sony Bank・SBI Sumishin Net Bank → Docomo SMTB Net Bank・PayPay Bank (PayPay Bank).

1. Corporation / shareholders

  • Trade name: auじぶん銀行株式会社 (English: au Jibun Bank Corporation)
  • Established: 2008 年 6 月 17 日 (former “Jibun Bank”)
  • Operations began: 2008 年 7 月 17 日
  • Trade-name change: 2020 年 2 月 renamed “au Jibun Bank” (accompanying its becoming a consolidated subsidiary of KDDI)
  • Head office location: 〒163-1043 Shinjuku Park Tower, 3 -chome 7 -ban 1 号, Nishi-Shinjuku, Shinjuku-ku, Tokyo
  • Capital: over 500 億円 (on a disclosed basis)
  • Main shareholders:
    • KDDI Corporation (became a consolidated subsidiary, majority stake)
    • MUFG Bank (residual stake)
  • Representative: Representative Director and President
  • Number of employees: approx. 400 名

2. License / regulatory boundary

  • Ordinary bank: ordinary bank license under the Banking Act (license from the Director-General of the Kanto Local Finance Bureau)
  • Industry group membership:
    • Japanese Bankers Association
    • Not a member of the Regional Banks Association of Japan (internet bank category)
    • Member of the Deposit Insurance Corporation (deposit-insurance-eligible 1,000 万円 + interest)
  • Registered financial institution: registered financial institution under the Director-General of the Kanto Local Finance Bureau, based on investment-trust sales and FX handling
  • Funds-transfer business / electronic money: the au PAY linkage portion is handled by separate corporations such as the KDDI subsidiary KDDI Financial Service

3. Business segments

SegmentFlagship productsCustomer base
DepositsOrdinary deposits / time deposits / foreign-currency deposits (USD, EUR, GBP, etc.)Retail
LendingCard loans / mortgagesIndividuals
Exchange / remittanceYen remittance / foreign-currency remittance / salary receiptIndividuals
InvestmentInvestment trusts (sales) / linkage with the official au kabu.com Securities (formerly kabu.com)Retail
FXForeign-exchange margin trading (in-house FX)Retail
PaymentsDebit card (Visa Debit)Retail

4. Parent company / group relationships

  • KDDI consolidated subsidiary: in 2020-02 , KDDI acquired a stake of over 51%, bringing it into KDDI’s scope of consolidation. KDDI leads the au economic zone (au telecom contracts, au PAY, Ponta points)
  • MUFG (Mitsubishi UFJ FG (MUFG)) stake: residual stake. MUFG know-how is utilized in banking operations, core banking systems, and compliance
  • Background to the renaming from Jibun Bank to “au Jibun Bank”: the 2020 年 renaming was intended to unify the KDDI brand and integrate au economic-zone marketing
  • Linkage with au kabu.com Securities: through financial-instruments intermediation and account linkage, it provides an integrated bank / securities account experience within the KDDI economic zone

5. Competition / industry position

Internet bankParent groupStrength
au Jibun BankKDDI + MUFGau economic zone / Ponta points / au PAY
[[regional-banks/sbi-sumishin-net-bank住信SBIネット銀行]]SBI + Sumitomo Mitsui Trust
[[banking/rakuten-bank楽天銀行]]Rakuten Group
[[regional-banks/sony-bankソニー銀行]]Sony Group
[[banking/paypay-bankPayPay銀行]]Z Holdings + Sumitomo Mitsui
[[trust-banks/orix-bankオリックス銀行]]ORIX

6. Strategy / recent developments

  • Core of the au economic-zone strategy: KDDI’s cross-sell model within the economic zone of “au PAY × Ponta × au Jibun Bank × au kabu.com”
  • Strengthening mortgages: using low interest rates as a weapon, it has entered the inter-internet-bank mortgage competition and is a major player in variable-rate mortgages
  • APIs / open-API support: open-API connectivity under the revised Banking Act (linkage with fintech such as household-budgeting apps)
  • Deepening MUFG linkage: it continues to use MUFG infrastructure for core banking systems and fund settlement. It also utilizes MUFG insight for mortgage-screening know-how
  • New NISA support: in 2024-01 , it expanded its investment-trust lineup accompanying the start of the new NISA

7. Key KPIs (overview)

ItemScale
Deposit balanceSeveral-trillion-yen range (upper group of internet banks)
Number of accountsSeveral million accounts
Mortgage balanceTrillion-yen scale
Number of employeesapprox. 400 名
Bank code0039

For details, refer to the respective IR materials and securities reports of KDDI / MUFG and the bank disclosure magazine.

8. Risk / regulatory issues

  • Bank governance of a telecom company’s consolidated subsidiary: an ongoing issue under the Banking Act, the Antimonopoly Act, and the separation of industry and finance (FSA’s view) regarding the model in which a telecom operator controls a bank
  • Resilience to rising interest rates: ALM / margin management under a rising-interest-rate scenario after the phase of mortgage-balance expansion
  • Cyber / system resilience: the risk that, being internet-only, a system failure directly spills over to customer touchpoints
  • AML / FATF compliance: ongoing requirements for suspicious-transaction reporting and strengthened KYC
  • In-bank use of personal information / telecom data: an issue under the Act on the Protection of Personal Information regarding the scope of in-bank use of KDDI telecom-contract data

Sources