# Japan Post Bank (Yucho)

> Source: https://docs.barcoder.ai/docs/wallets/japanpost-bank
> research date 2026-05-31 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Yucho — official](https://www.jp-bank.japanpost.jp/)

## Key details

- **Parent:** branches via Japan Post network

## Overview

**Japan Post Bank (Yucho)** is **TYO: 7182** + **Japan Post Holdings TYO: 6178 ~60% controlling** + **Japanese government via Japan Post Holdings residual ~36% holding** + **world's largest bank by deposits** + **Japan's largest commercial bank by branches via Japan Post network ~24,000+ branches** + **~120M+ Japanese deposit accounts** <sup>[1][1], [Japan report](https://docs.barcoder.ai/docs/payments/JP)</sup>.

## History

**1875 — Japan Postal Savings System founded by Japanese government as Japanese postal savings program** distinctive Japanese banking heritage.

**Oct 1 2007 — Japan Post Bank Co Ltd Yucho Ginko corporate formation post-Japan Post privatisation by Prime Minister Junichiro Koizumi**.

**Nov 2015 — Japan Post Bank + Japan Post Holdings TYO IPO**.

**2014 — Yucho Bank mobile banking app launch**.

## Ownership & operator

**Operating entity**: **Japan Post Bank Co Ltd Yucho Ginko** (Japan's largest commercial bank by branches; TYO: 7182).

**Major shareholders**: **Japan Post Holdings (TYO: 6178; Japanese government holds residual ~36% via Japan Post Holdings) ~60% controlling + Japanese retail + institutional + foreign investors free float**.

**Regulators**: **FSA Japan + BoJ**.

## Technical integration

Yucho Bank mobile app (iOS + Android; ~120M+ Japanese deposit accounts) + jp-bank.japanpost.jp online + Japan Post Bank branch network via Japan Post network ~24,000+ branches + Yucho ATM network ~30,000+ ATMs (Japan's largest ATM network) + Japan Post Bank Visa + Mastercard + JCB cards; JP Zengin (Japanese national payment system) + JP QR Payment Link (Japanese QR payment scheme).

## Implementations & partners

**Japan Post Holdings parent**: Japan Post Holdings (Japan Post Holdings; TYO: 6178; Japanese government holds residual ~36% controlling; Japan Post + Japan Post Bank + Japan Post Insurance parent).

**Major Japanese banking + payments competitors**: [MUFG Bank (Mitsubishi UFJ Direct app)](https://docs.barcoder.ai/docs/wallets/mufg-bank) (MUFG Bank Mitsubishi UFJ Financial Group; TYO: 8306 + NYSE: MUFG; Japan's largest commercial bank by assets) + [Olive (SMBC + Sumitomo Mitsui Card)](https://docs.barcoder.ai/docs/wallets/smbc-olive) (SMBC Olive Sumitomo Mitsui Banking Corporation; TYO: 8316; Japan's #2 commercial bank by assets) + [Mizuho Bank (Mizuho Direct + Mizuho Wallet)](https://docs.barcoder.ai/docs/wallets/mizuho-bank) (Mizuho Bank; TYO: 8411; Japan's #3 commercial bank by assets) + [Rakuten Bank](https://docs.barcoder.ai/docs/wallets/rakuten-bank) (Rakuten Bank; TYO: 5838; Rakuten Japanese e-commerce digital bank subsidiary) + [PayPay](https://docs.barcoder.ai/docs/wallets/paypay) (PayPay; SoftBank + Yahoo Japan Japanese super-app mobile wallet; ~65M+ Japanese users; Japan's largest mobile wallet by users) + [LINE Pay](https://docs.barcoder.ai/docs/wallets/line-pay) (LINE Pay; LINE mobile wallet; Japanese operations) + [d払い (d Barai)](https://docs.barcoder.ai/docs/wallets/d-barai) (d払い d Barai NTT Docomo Japanese mobile wallet) + [au PAY](https://docs.barcoder.ai/docs/wallets/au-pay) (au PAY KDDI Japanese mobile wallet) + [Suica](https://docs.barcoder.ai/docs/wallets/suica) (Suica JR East Japanese transit + retail prepaid card) + [Pasmo](https://docs.barcoder.ai/docs/wallets/pasmo) (Pasmo Tokyo Metropolitan Japanese transit + retail prepaid card).

**Regulators**: FSA Japan + BoJ.

## Status

**Active, TYO:7182 + Japan Post Holdings TYO:6178 ~60% controlling + Japanese government via Japan Post Holdings residual ~36% holding + world's largest bank by deposits + Japan's largest commercial bank by branches via Japan Post network ~24,000+ branches + ~120M+ Japanese deposit accounts** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.jp-bank.japanpost.jp/ "Yucho — official"
[2]: https://en.wikipedia.org/wiki/Japan_Post_Bank "Japan Post Bank — Wikipedia"
[jp-cro]: https://docs.barcoder.ai/docs/payments/JP

- [1] [Yucho — official][1]
- [2] [Japan Post Bank — Wikipedia][2]
- <sup>[Japan report](https://docs.barcoder.ai/docs/payments/JP)</sup> In-corpus: `reports/countries/JP-japan.md`

## Source

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