# au Jibun Bank

> Source: https://docs.barcoder.ai/docs/wallets/au-jibun-bank
> research date 2026-05-30 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [au Jibun Bank — official](https://www.jibunbank.co.jp/)

## Overview

**au Jibun Bank** is **KDDI ~50% + Mitsubishi UFJ Financial Group ~50% joint venture** + **Japan's first mobile-carrier-bank integration** + **6.7M checking accounts March 2025** <sup>[1][1], [2][2], [Japan report](https://docs.barcoder.ai/docs/payments/JP)</sup>. **March 2025 baseline**: au Jibun Bank 6.7M checking accounts + 10.2M+ au PAY Card memberships; **au Jibun Bank entirely online presence + KDDI Group integration with au PAY + Ponta Points** distinctive Japanese mobile-carrier-bank ecosystem; "au Value Link Money Activities Plan 2" with enhanced au Jibun Bank benefits distinctive KDDI customer ecosystem banking strategy.

**Distinctive au Jibun Bank positioning**:
- **KDDI ~50% + Mitsubishi UFJ Financial Group ~50% joint venture** (distinctive Japanese mobile-carrier-bank dual-parent JV)
- **Japan's first mobile-carrier-bank integration** (post-Jun 2008 KDDI + Mitsubishi UFJ Financial Group au Jibun Bank founding)
- **6.7M checking accounts March 2025** + **10.2M+ au PAY Card memberships** distinctive KDDI Group ecosystem banking scale
- **au Jibun Bank entirely online presence** (no branch network; Japanese mobile-first banking pioneer)
- **KDDI Group integration with au PAY + Ponta Points** distinctive Japanese mobile-carrier-bank ecosystem
- **"au Value Link Money Activities Plan 2" with enhanced au Jibun Bank benefits** distinctive KDDI customer ecosystem banking strategy
- **Jun 2008 au Jibun Bank founding by KDDI + Mitsubishi UFJ Financial Group 50/50 JV** + early 2008 Japanese full bank license

## History

**Jun 17 2008 — au Jibun Bank founded by KDDI + Mitsubishi UFJ Financial Group 50/50 joint venture** post-Japanese mobile-carrier-bank pioneer strategy.

**Early 2008 — au Jibun Bank receives Japanese full bank license** post-FSA approval.

**2010 — au Jibun Bank mobile banking app launches** as Japanese mobile-first online banking.

**March 2025 — au Jibun Bank 6.7M checking accounts + 10.2M+ au PAY Card memberships** <sup>[1][1], [2][2]</sup>.

**2025 — "au Value Link Money Activities Plan 2" with enhanced au Jibun Bank benefits launch** <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **au Jibun Bank Corporation** (KDDI ~50% + Mitsubishi UFJ Financial Group ~50% joint venture).

**Major shareholders**: **KDDI Corporation (TSE: 9433; Japanese mobile carrier + telecom + au mobile network) ~50% + Mitsubishi UFJ Financial Group (TSE: 8306; Japan's largest banking group by assets) ~50%** (distinctive Japanese mobile-carrier-bank dual-parent JV).

**Regulator**: **FSA (Financial Services Agency Japan)**.

## Technical integration

au Jibun Bank mobile banking app (iOS + Android; 6.7M checking accounts March 2025) + jibunbank.co.jp online + au Jibun Bank Cash Card (Visa) + au Jibun Bank entirely online presence (no branch network); Zengin + JPQR; **KDDI Group integration with au PAY + Ponta Points** distinctive Japanese mobile-carrier-bank ecosystem; **"au Value Link Money Activities Plan 2" with enhanced au Jibun Bank benefits** distinctive KDDI customer ecosystem banking strategy.

## Users & growth

**March 2025**: au Jibun Bank 6.7M checking accounts + 10.2M+ au PAY Card memberships.

## Use cases

Japanese retail + private + online + KDDI customer ecosystem banking via au Jibun Bank mobile + jibunbank.co.jp online + au Jibun Bank Cash Card + au Jibun Bank entirely online presence (no branch network); Zengin + JPQR; **KDDI Group integration with au PAY + Ponta Points** distinctive Japanese mobile-carrier-bank ecosystem.

## Implementations & partners

**Operator**: au Jibun Bank Corporation (KDDI ~50% + Mitsubishi UFJ Financial Group ~50% joint venture); **KDDI Corporation (TSE: 9433; Japanese mobile carrier + telecom + au mobile network) ~50% + Mitsubishi UFJ Financial Group (TSE: 8306; Japan's largest banking group by assets) ~50%**.

**KDDI Group integration**: **au PAY** (KDDI Japanese mobile wallet; 10.2M+ au PAY Card memberships) + **Ponta Points** (distinctive Japanese loyalty points ecosystem) + KDDI au mobile network customer banking benefits.

**Major Japanese banking competitors**: [MUFG Bank (Mitsubishi UFJ Direct app)](https://docs.barcoder.ai/docs/wallets/mufg-bank) (Japan's largest banking group by assets; au Jibun Bank parent ~50%) + [Olive (SMBC + Sumitomo Mitsui Card)](https://docs.barcoder.ai/docs/wallets/smbc-olive) (Sumitomo Mitsui Banking Corporation; Japan's #2 banking group; Mar 1 2024 Olive multifaceted financial services platform launch) + [Mizuho Bank (Mizuho Direct + Mizuho Wallet)](https://docs.barcoder.ai/docs/wallets/mizuho-bank) (Japan's #3 banking group) + [Rakuten Bank](https://docs.barcoder.ai/docs/wallets/rakuten-bank) (Japan's largest online bank; 17M+ customer accounts May 29 2025; 5.6M main-account customers +12.7% YoY; ¥13T+ total deposits Jan 5 2026) + Japan Post Bank (Japan's largest bank by deposits + branch network) + SBI Sumishin Net Bank (Japanese online bank) + Sony Bank (Japanese online bank) + PayPay Bank (formerly Japan Net Bank; SoftBank + Mitsubishi UFJ Financial Group joint venture).

**Regulator**: FSA.

## Fun facts

- **KDDI ~50% + Mitsubishi UFJ Financial Group ~50% joint venture** (distinctive Japanese mobile-carrier-bank dual-parent JV).
- **Japan's first mobile-carrier-bank integration** (post-Jun 2008 KDDI + Mitsubishi UFJ Financial Group au Jibun Bank founding).
- **6.7M checking accounts March 2025** + **10.2M+ au PAY Card memberships** distinctive KDDI Group ecosystem banking scale.
- **au Jibun Bank entirely online presence** (no branch network; Japanese mobile-first banking pioneer).
- **KDDI Group integration with au PAY + Ponta Points** distinctive Japanese mobile-carrier-bank ecosystem.
- **"au Value Link Money Activities Plan 2" with enhanced au Jibun Bank benefits** distinctive KDDI customer ecosystem banking strategy.
- **Jun 17 2008 au Jibun Bank founding by KDDI + Mitsubishi UFJ Financial Group 50/50 JV** + early 2008 Japanese full bank license.

## Comparison

| Feature | au Jibun Bank | [Rakuten Bank](https://docs.barcoder.ai/docs/wallets/rakuten-bank) (Japan's largest online bank rival; 17M+ customer accounts May 29 2025) | [MUFG Bank (Mitsubishi UFJ Direct app)](https://docs.barcoder.ai/docs/wallets/mufg-bank) (Japan's largest banking group by assets rival; au Jibun Bank parent ~50%) | [Olive (SMBC + Sumitomo Mitsui Card)](https://docs.barcoder.ai/docs/wallets/smbc-olive) (Sumitomo Mitsui Banking Corporation rival; Japan's #2 banking group) | PayPay Bank (formerly Japan Net Bank; SoftBank + Mitsubishi UFJ Financial Group joint venture rival) |
|---|---|---|---|---|---|
| Operator | **au Jibun Bank Corporation (KDDI ~50% + Mitsubishi UFJ Financial Group ~50% joint venture)** | Rakuten Bank Ltd (TSE: 5838; Rakuten Group subsidiary ~63% controlling) | MUFG Bank (Mitsubishi UFJ Financial Group; TSE: 8306) | Sumitomo Mitsui Banking Corporation (Sumitomo Mitsui Financial Group; TSE: 8316) | PayPay Bank (formerly Japan Net Bank; SoftBank + Mitsubishi UFJ Financial Group JV) |
| Type | **KDDI ~50% + MUFG ~50% JV + Japan's first mobile-carrier-bank integration + 6.7M checking accounts March 2025 + 10.2M+ au PAY Card memberships + entirely online presence + KDDI Group integration with au PAY + Ponta Points + au Value Link Money Activities Plan 2** | Japan's largest online bank + 17M+ customer accounts May 29 2025 + 5.6M main-account customers (+12.7% YoY) + ¥13T+ total deposits Jan 5 2026 + Apr 21 2023 TSE IPO + Rakuten Group ecosystem integration | Japan's largest banking group by assets + MUFG Bank app + au Jibun Bank ~50% JV co-owner | Japan's #2 banking group + SMBC Olive multifaceted financial services platform | SoftBank + MUFG JV + 2021 Japan Net Bank renamed PayPay Bank post-PayPay ecosystem integration |
| Country | JP | JP | JP + 50+ countries | JP + 40+ countries | JP |
| Distinctive | **Jun 17 2008 au Jibun Bank founding by KDDI + Mitsubishi UFJ Financial Group 50/50 JV (Japan's first mobile-carrier-bank integration); Early 2008 Japanese full bank license; 2010 au Jibun Bank mobile app launch; March 2025 6.7M checking accounts + 10.2M+ au PAY Card memberships; au Value Link Money Activities Plan 2 enhanced benefits launch 2025** | Jul 1 2000 eBank founding (Japan's first internet-only commercial bank); Sep 1 2010 Rakuten Group eBank acquisition; Apr 21 2023 TSE IPO | 1880 Mitsubishi Bank founding heritage; 2006 Mitsubishi UFJ Financial Group formation | 1876 Sumitomo Banking heritage; 2001 Sumitomo Mitsui Banking Corporation formation | 2000 Japan Net Bank founding by Sakura Bank + Sumitomo Bank + Sony Communication Network + Sumitomo Trust + Toshiba + 5 others JV; 2021 Japan Net Bank renamed PayPay Bank |

## Status

**Active, KDDI ~50% + Mitsubishi UFJ Financial Group ~50% joint venture + Japan's first mobile-carrier-bank integration + 6.7M checking accounts March 2025** <sup>[1][1], [2][2], [3][3]</sup>:
- **au Jibun Bank Corporation (KDDI ~50% + Mitsubishi UFJ Financial Group ~50% joint venture)** since Jun 17 2008 au Jibun Bank founding by KDDI + Mitsubishi UFJ Financial Group 50/50 JV + Early 2008 Japanese full bank license + 2010 au Jibun Bank mobile banking app launch.
- **6.7M checking accounts March 2025 + 10.2M+ au PAY Card memberships**.
- **KDDI Group integration with au PAY + Ponta Points + "au Value Link Money Activities Plan 2" with enhanced au Jibun Bank benefits**.
- **FSA regulated**.

## Sources

[1]: https://newsroom.kddi.com/english/news/detail/kddi_nr-841_4223.html "Launch of 'au Value Link Money Activities Plan 2' with Enhanced au Jibun Bank Benefits — KDDI News Room"
[2]: https://www.intinvestor.com/news/ai-powered-innovation-in-mobile-banking/ "AI-powered innovation in mobile banking — International Investor Magazine 2025"
[3]: https://igni7e.com/blog/mobile-banking-apps-in-japan "Top 5 Digital Banking Apps Popular in Japan — IGNITE"
[jp-cro]: https://docs.barcoder.ai/docs/payments/JP

- [1] [Launch of 'au Value Link Money Activities Plan 2' with Enhanced au Jibun Bank Benefits — KDDI News Room][1]
- [2] [AI-powered innovation in mobile banking — International Investor Magazine 2025][2]
- [3] [Top 5 Digital Banking Apps Popular in Japan — IGNITE][3]
- <sup>[Japan report](https://docs.barcoder.ai/docs/payments/JP)</sup> In-corpus: `reports/countries/JP-japan.md`

## Source

Biography extracted from [au-jibun-bank.md](https://docs.barcoder.ai/source/wallets/au-jibun-bank). See `matrix.md` for standards-support matrix if present.