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GMO Aozora Net Bank business account review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

GMO Aozora Net Bank's business account suits a company paying staff and suppliers from a single balance without a regular charge. The monthly fee is ¥0 and the annual fee is ¥0, and spending on the debit card earns cashback of 1%.

Key facts

Best for
A company wanting a fee free debit card with employee extras, cashback and no regular charge.
Monthly fee
¥0↗
Card type
Debit↗
Cashback rate
1%↗
Card network
Visa↗
Legal entity
GMO Aozora Net Bank, Ltd.↗
Headquarters
Japan↗
Founded
2018↗
Support channels
Help-centre↗
Features
Multi-currency, Travel
Audience
Business
Official website
gmo-aozora.com

Credit cards

Annual fee
¥0↗
Rewards type
Points↗
Perks
ETC card available, Up to 3 supplementary employee cards, Accounting software integration, Contactless payments, Quick issuance (3 business days)↗
Card kind
Credit↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataXfacebook.com

Pros and cons

Pros

  • Monthly fee of ¥0 and annual fee of ¥0 keep the business account free of any regular charge for holding it
  • Spending on the card earns cashback of 1%, on top of a business account with no regular charge
  • Extras include ETC card available, Up to 3 supplementary employee cards and Accounting software integration, which together cover the everyday needs of a company card programme run from one account

Cons

  • Support runs on help centre only, so a business with a card problem has no phone or chat route to a person
  • The account is for business customers only, and the debit card draws on the account balance rather than credit
  • Supplementary employee cards are capped, so a company with a large staff list cannot give every employee a card: ETC card available, Up to 3 supplementary employee cards and Accounting software integration
GMO Aozora Net Bank business account

Ready to try GMO Aozora Net Bank business account?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • A company that pays suppliers and staff from a single balance and wants no regular charge for holding it
  • A small business that needs a few employee cards, an ETC card and accounting software links on the same account
  • A business with staff travelling, since the card is built with multi currency and travel features for spending abroad

Who should look elsewhere

  • Wise may suit a personal account better, as this one is for business customers only and built around company spending
  • bunq if you want a listed helpline, since support here runs on help centre only and no phone or chat route is given
  • Varo Believe Secured Credit Card if you want a deposit backed card, since this is a business current account with employee cards and a monthly fee of ¥0

The company behind it

The account is provided by GMO Aozora Net Bank, Ltd., a bank based in Japan that was founded in 2018. Questions from business customers are answered through help centre, which suits a company that is comfortable reading its own support material rather than phoning a helpline.

How GMO Aozora Net Bank business account compares

Where GMO Aozora Net Bank business account is available

Available
Japan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the business account cost to keep?+

The monthly fee is ¥0 and the annual fee is ¥0, so there is no regular charge for holding the account. Spending on the card earns cashback of 1%, and the account is built for companies.

Is this a debit card or a credit card?+

It is a debit card, so spending comes straight from the business account balance instead of on credit terms. The card runs on the visa network and pays rewards as points.

Can I give cards to my staff?+

Employee cards are part of the offer: ETC card available, Up to 3 supplementary employee cards and Accounting software integration also lists an ETC card, accounting software integration and contactless payments, so a company can cover office and travel spend on cards from the same account.

Does it work for a business paying in other currencies?+

multi currency and travel features are built into the card, so staff paying abroad can use it for travel and multi currency spending without adding another card. The account sits with a bank based in Japan.

How quickly will the card arrive?+

Quick issuance is part of the offer, as ETC card available, Up to 3 supplementary employee cards and Accounting software integration shows. A company that needs cards in the hands of staff soon can order the main card, an ETC card and employee cards through the same application.

Who is the account aimed at?+

The stated audience is business customers, so the account is aimed at companies rather than personal users. The legal entity behind it is GMO Aozora Net Bank, Ltd., founded in 2018 and based in Japan.

How do I get help from the bank?+

Help for business customers runs through help centre, so written guidance is the route to answers, which suits a company comfortable reading its own support material. A company that wants to settle a card query by phone would be better served by a provider that lists a helpline.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

GMO Aozora Net Bank business account

GMO Aozora Net Bank business account

A company wanting a fee free debit card with employee extras, cashback and no regular charge.

8.7/10See alternatives