UI Bank operating profile (UI銀行 / きらぼし FG 系)
ConfidenceLikelyUpdated2026-07-29Review by2026-10-27Sources6Machine-translatedOriginal (JA)
On this page
Wiki route
This entry sits under banking index as the operating-profile companion to the entity anchor at UI Bank. Read it within the segment map at Japan net bank competition map, next to the regional-digital-bank peers Minna Bank BaaS model · 01 Bank, with the parent context at Tokyo Kiraboshi FG and Kiraboshi Bank, and against the ecosystem net-bank cohort Rakuten Bank · PayPay Bank · au Jibun Bank · Sony Bank for the broader smartphone-first banking distribution comparison. Pair it with regional bank API digital partnership route for the regional-group digital-strategy view.
TL;DR
UI銀行 (UI Bank Co., Ltd.) is an ordinary bank in the Tokyo Kiraboshi Financial Group and provides smartphone-centred banking services. Its licence and legal entity should be checked in the FSA bank register; products and group relationships should be checked on UI Bank and Tokyo Kiraboshi FG official pages. Volatile balances, account counts, rates, and peer rankings are deliberately not frozen here without a dated primary disclosure.
1. Identity and group position
| Item | Reading |
|---|---|
| Legal name | 株式会社UI銀行 |
| English name | UI Bank Co., Ltd. |
| Opening | 2022-01-04 |
| Bank-license category | 普通銀行 (ordinary bank under 銀行法), classed under FSA “その他の銀行” |
| Parent | Tokyo Kiraboshi FG (100%) |
| Sister bank | Kiraboshi Bank — the parent group’s primary regional bank (Tokyo-centred) |
| HQ | Tokyo |
| Channel architecture | Smartphone app + web; no physical branches |
| Primary regulator | 金融庁 (FSA) |
Sources: ^[UI Bank corporate information, https://www.uibank.co.jp/info/; FSA licensed-bank register, https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx; Tokyo Kiraboshi FG corporate site, https://www.tokyo-kiraboshifg.co.jp/.]
Why a separate license from きらぼし銀行
- Cost-base separation. A new license can build on cloud-native core banking without inheriting the legacy IT and branch-overhead cost base of きらぼし銀行.
- Customer-segment specialisation. UI Bank can be designed end-to-end for smartphone-first users without the design compromises of a legacy-branch-and-app dual-mode bank.
- Regulatory clarity. A standalone license allows distinct capital, risk, and BaaS-partnership disclosure, which is harder when digital business is bundled inside a regional bank’s segment reporting.
Group structure
東京きらぼし FG (TSE Prime, 7173)
├── きらぼし銀行 (regional bank, Tokyo-centred branch network)
├── UI Bank (this entry — nationwide smartphone-first digital bank)
└── Other group financial subsidiariesAccount, deposit, payment
| Product | Role |
|---|---|
| Yen ordinary deposit | Core account, opened end-to-end in-app |
| Yen time deposit | Promotional rates positioned to attract primary deposits |
| Transfer / 振込 | Both intra-UI Bank and external via 全銀システム |
| Debit card | UI Bank–branded debit card linked to the account |
| Partner connection | Connectivity to external 電子決済等代行業者 (payment intermediaries) via API, plus group-service linkage (e.g. ララ Pay プラス, きらぼし銀行 account linkage for UI プラス tiers) |
Loans and credit
UI Bank launched deposit-first (initially deposit-focused at 2022 opening) and has since built out a retail-loan menu: smartphone loan (UI プラン), free loan, auto loan, education loan, renovation loan, doctor loan, consolidation loan, an overdraft facility (UI サポート / 当座貸越), and housing loan — i.e. a consumer / retail lending set rather than a megabank-scale corporate-loan franchise. Specific product menus evolve; refer to UI Bank’s current product page for the active menu.
Smartphone-first UX
The UX architecture explicitly bundles bank account, deposit, payment, transfer, and 生活パートナー (lifestyle partner) features into a single app. The “対面・非対面のハイブリッド” framing means UI Bank can integrate to in-store touchpoints when partnered with きらぼし銀行 corporate clients or external alliances, but the default surface is mobile-only. •
Where UI Bank competes
| Verification question | Primary official evidence |
|---|---|
| Which accounts and deposits are currently offered? | UI Bank’s current product pages and customer terms |
| Which loans are currently available? | UI Bank’s current loan menu and product terms |
| Which group or external services are live? | UI Bank / Tokyo Kiraboshi FG dated announcements |
| Which KPIs can be compared? | Same-date, same-definition figures in official disclosure documents |
Sources: ^[UI Bank official site, https://www.uibank.co.jp/; UI Bank service page, https://www.uibank.co.jp/service/uiplus/; Tokyo Kiraboshi FG IR, https://www.tokyo-kiraboshifg.co.jp/ir/.]
Three-bank regional-digital comparison
| Dimension | Evidence required before comparison |
|---|---|
| Licensed entity and start date | FSA register plus each bank’s official company history |
| Parent relationship | Current group organisation or securities disclosure |
| Direct channel | Current official service and app pages |
| BaaS / partner channel | Named, dated announcements by both parties |
| Scale and growth | Same-period official financial / KPI disclosures using compatible definitions |
Sources: ^[FSA licensed-bank register, https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx; official company and IR pages for UI Bank, Fukuoka FG / Minna Bank, and Resona group.]
4. KPI and franchise shape
UI Bank publishes selective KPI updates through きらぼし FG IR materials and its own disclosure publications; point-in-time deposit balance and account count appear there. The franchise pattern through the early years post-launch is:
| Metric | Publication rule |
|---|---|
| Account count | Publish only from a dated UI Bank or Tokyo Kiraboshi FG disclosure, preserving the issuer’s account definition |
| Deposit balance | Publish only with the balance-sheet date, unit, and legal-entity perimeter |
| Loan balance / mix | Use official disclosure; do not infer book size from the product menu |
| Capital and capital ratio | Use the bank’s statutory disclosure and preserve the reported basis |
Sources: ^[Tokyo Kiraboshi FG IR, https://www.tokyo-kiraboshifg.co.jp/ir/; UI Bank corporate information, https://www.uibank.co.jp/info/.]
5. Regulatory and policy boundary
| Layer | Statute / regulator | Implication |
|---|---|---|
| Bank supervision | 銀行法 + 金融庁 監督指針 | Standard ordinary-bank supervision applied to a digital-only bank |
| Open Banking API | 2017 銀行法 改正 | API provision obligations; UI Bank’s connectivity story leverages this regime |
| Deposit insurance | 預金保険機構 | Standard JPY deposit insurance coverage |
| Cybersecurity / IT resilience | FSA IT 統合的監督指針 + サイバーセキュリティ報告 | Digital-only banks face heightened IT-resilience expectations |
| AML / CFT | 金融庁 + FATF 第 4 次審査 | Online-onboarding eKYC compliance heightened post-FATF review |
| Parent-bank consolidation | 銀行法 + 金融商品取引法 | Group and entity disclosures must be distinguished |
Sources: ^[FSA licensed-bank register, https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx; FSA bank supervisory guidance, https://www.fsa.go.jp/common/law/guide/city/.]
Related
- INDEX
- japan-net-bank-competition-map
- regional-bank-api-digital-partnership-route
- regional-bank-consolidation-pattern
- baas-japan-landscape
- japan-banking-license-tier-comparison-matrix
- minna-bank-baas-model
- japan-baas-operating-models
- sony-bank · daiwa-next-bank · gmo-aozora-net-bank
- rakuten-bank · paypay-bank · au-jibun-bank
- ui-bank
- kiraboshi-fg
- kiraboshi-bank
- 01-bank
- bank-license-and-baas-boundary
Sources
- UI Bank corporate / product site (https://www.uibank.co.jp/).
- UI Bank corporate-information page (https://www.uibank.co.jp/info/).
- UI Bank UI プラス / service page — loan menu (UI プラン smartphone loan, free / auto / housing / doctor loans, UI サポート overdraft), API-connected 電子決済等代行業者 linkage, time deposits (https://www.uibank.co.jp/service/uiplus/).
- Tokyo Kiraboshi Financial Group corporate / IR site (https://www.tokyo-kiraboshifg.co.jp/).
- FSA licensed bank list (https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx).
Discovery
Keep reading
Read next
- Japan BaaS landscape日本の BaaS は、単一の「銀行 API 商品」ではない。少なくとも 4 類型に分かれる: API 提供、パートナー支店、銀行代理 / white-label 的な口座獲得、そして決済・口座振替・即時入金に特化した narrow BaaS。みんなの銀行 は B2C アプリへの埋め込み型 BaaS、GMO あおぞらネット銀行 は法人 / API / 組込金融寄り、住信SBIネッ...
- Cooperative banking in JapanJapan's cooperative banking layer consists mainly of shinkin banks, credit cooperatives, labor banks, the JA Bank agricultural cooperative banking system, the JF Marine Bank fisheries cooper...
- Japan credit cooperative registryThis registry index captures the FSA public authorization list for Japan's credit-cooperative system: Zenshinkumiren plus 143 licensed credit cooperatives. It is the long-tail route for shin...
Links here
- Daiwa Next Bank operating profile (大和ネクスト銀行)大和ネクスト銀行 (Daiwa Next Bank, Ltd.) is the wholly-owned banking subsidiary of Daiwa Securities Group, Inc. (TSE Prime 8601). It is the securities-bank hybrid anchor on the Daiwa side, mirroring...
- GMO Aozora Net Bank operating profile (GMO あおぞらネット銀行)GMO あおぞらネット銀行 (GMO Aozora Net Bank, Ltd.) is a joint venture of Aozora Bank and the GMO group with a stated technology-bank and corporate-service focus. Its official company outline records...
- Japan net bank deposit & feature matrix 2026Japan's online-bank market is not one homogeneous category. Operators differ by group ownership, direct-versus-partner distribution, product scope, and public disclosure format. This page th...
- Kiraboshi BankKiraboshi Bank, Ltd. is a Tokyo-headquartered regional bank listed in the FSA bank-license list and the core operating bank under kiraboshi fg. It was created in 2018 年 through the 3 行 merge...