UI銀行 (UI Bank)
On this page
Wiki route
This entry sits under regional-banks INDEX (its domain route). Read it against 01 Bank (01Bank) and Minna Bank BaaS model for the peer / contrast (regional-group-launched digital banks), and against the FSA plus banking for the supervisory / system boundary. The parent group view lives on Tokyo Kiraboshi FG.
TL;DR
UI Bank Co., Ltd. (UI銀行) is a digital-bank operating company funded 100% by Tokyo Kiraboshi FG, holding a bank license under the Banking Act and listed in the FSA’s bank license list. It obtained its banking license in 2021 年 12 月 17 日, brought its system live in 2022 年 1 月 4 日, and launched depositor-facing services via a smartphone-only app on 1 /17 of that year. As a smartphone bank launched out of a regional financial group, it positions itself around a face-to-face / remote hybrid, life-partner-style finance, and API integration.
1. Legal entity / license boundary
| Item | Reading |
|---|---|
| Legal name | 株式会社UI銀行 / UI Bank Co., Ltd. |
| License route | Bank license under the Banking Act (other bank); FSA bank license list |
| Banking licence | Obtained 2021-12-17 |
| Service launch | System live 2022-01-04 / app launch 2022-01-17 |
| Head office | Minato Ward, Tokyo |
| Parent boundary | [[regional-banks/kiraboshi-fg |
2. Business role
- A smartphone bank opened to serve as the central role in the Kiraboshi group’s DX, completing deposits, transfers, and account opening on the smartphone.
- Designed around the concepts of a “face-to-face / remote hybrid,” a “digital life partner,” and “external API integration,” responding to financial-consultation needs via online chat and the like.
- As a model in which a regional-bank group holds a digital bank separate from its existing bank (Kiraboshi Bank), it can be compared with Minna Bank BaaS model and 01 Bank (01Bank). For the overall picture of BaaS / digital banking in Japan, see Japan BaaS landscape.
3. Why a standalone page matters
UI Bank is not merely a digital channel of Tokyo Kiraboshi FG, but an operating company holding an independent bank license (Banking Act). To analyze regional-bank DX, smartphone banks, and the nationwide expansion model of regional financial groups, it is kept separate from the group holding company Tokyo Kiraboshi FG and the affiliated Kiraboshi Bank.
Related
- Tokyo Kiraboshi FG
- Minna Bank BaaS model
- 01 Bank (01Bank)
- Japan BaaS landscape
- regional-banks INDEX
- FinWiki index
Sources
- FSA, “銀行免許一覧”,
ginkou.xlsx. - UI Bank, “UI銀行のご案内”.
- きらぼし銀行 announcement of UI Bank opening (banking licence 2021-12-17; system live 2022-01-04; app launch 2022-01-17; HQ Minato, Tokyo; Tokyo Kiraboshi FG 100%).