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Maruhan Japan Bank Lao review

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

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Our verdict

Maruhan Japan Bank Lao suits savers in Laos who want to move money in and out freely, and borrowers who prefer a local bank that funds loans the same day. Its easy-access deposit pays a variable rate of 1.89%, and personal loans carry an origination fee of 0 LAK.

Key facts

Best for
An easy-access Laos deposit account paired with same-day personal and housing lending.
Headline rate
1.89%↗
Rate type
Variable↗
Term
36 months↗
Minimum deposit
LAK 5,000,000↗
Access terms
Deposit and withdrawal any time using passbooks and ATM card↗
Account kind
Easy access↗
Legal entity
MARUHAN Japan Bank Lao Co., Ltd.↗
Headquarters
Laos↗
Founded
2013↗
Support channels
Email, Phone↗
Official website
maruhanjapanbanklao.com

Loans

Loan amount
$2,000↗
Arrangement fee
0 LAK↗
Funding time
Same day↗
Lender type
Direct lender↗
Eligibility
Age 18-60, permanently residing in Laos, employed with regular income or business owner with stable income↗
Loan types
Personal, Car, Secured, Business↗
Features
Same-day funding

Mortgages

Fixed period
2 to 20 years↗
Maximum loan to value
70%↗
Product fee
from LAK 2,000,000↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Saving and borrowing sit together: a variable deposit rate of 1.89% alongside personal and housing loans.
  • Personal loans carry an origination fee of 0 LAK and a funding time of Same day.
  • Savers control their money: Deposit and withdrawal any time using passbooks and ATM card.
  • Supervised by the Bank of the Lao PDR, the regulator in its home market of LA.

Cons

  • A minimum deposit of LAK 5,000,000 is needed to open the account, which puts it beyond a lot of small savers.
  • The rate type is variable, so the interest earned on deposits is not fixed for a period.
  • Support runs on email and phone only, with help handled by phone and email.
Maruhan Japan Bank Lao

Ready to try Maruhan Japan Bank Lao?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • Savers in Laos who want to deposit and withdraw at any time using a passbook and ATM card
  • Salaried employees and business owners in Laos with regular income who need a personal loan funded the same day
  • Homebuyers in Laos who can put down a larger deposit, given a maximum loan to value of 70%

Who should look elsewhere

  • Savers chasing the top return: Wise pays 3.29% on interest, well above the 1.89% deposit rate here
  • Readers who want a broad rate range to choose from: Finteres offers 0% to 36%, stretching far above 1.89%
  • Anyone outside the country, since the bank is based in Laos and the deposit is a kip account

Rates and card terms

The deposit pays a variable rate of 1.89%, so the return on savings can move rather than staying locked for a fixed period. Borrowing runs on a separate clock: the payroll personal loan is set over a term of 36, and the variable rate type is the detail savers should weigh when comparing.

The company behind it

The legal entity is MARUHAN Japan Bank Lao Co., Ltd., headquartered in Laos and founded in 2013. The Bank of the Lao PDR is the regulator, so the bank sits inside a named national framework. Customer contact runs on email and phone, which means a call or an email rather than anything more elaborate.

How Maruhan Japan Bank Lao compares

Where Maruhan Japan Bank Lao is available

Available
Laos
Licence in Laos
Bank of the Lao PDR (BOL), checked September 26, 2026

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

Frequently asked questions

How much interest does the deposit account pay?+

The account pays a variable rate of 1.89% on balances, with the rate type variable rather than fixed. That means the return follows the bank's pricing and can change, so anyone budgeting on interest should treat the figure as a starting point rather than a promise.

How much do I need to open the account?+

A minimum deposit of LAK 5,000,000 is needed to start, which is well above the small minimums many online savings brands ask for. The balance is held in kip, and access is open: you can deposit and withdraw at any time using a passbook and ATM card.

Who regulates the bank and where is it based?+

The bank operates under the Bank of the Lao PDR, the Lao regulator, and holds savings through MARUHAN Japan Bank Lao Co., Ltd., a company based in Laos. Because the account sits with a Lao bank rather than a European one, savers in the UK and Europe would hold kip balances rather than pounds or euros.

What does it cost to borrow?+

Personal loans carry an origination fee of 0 LAK, while the remortgage product shows a fee of from LAK 2,000,000. The loan types covered include personal, car and secured, and funding time is Same day once a decision is made, so a borrower is not left waiting weeks for money.

How much can I borrow, and for how long?+

The payroll personal loan is offered on $2,000 over a term of 36. Housing loans run for 2 to 20 and can cover purchase or remortgage purposes, with a maximum loan to value of 70%, so buyers should expect a larger deposit on the house price.

Who can apply for a loan?+

Eligibility covers adults who live permanently in Laos and are employed with regular income, or business owners with stable income. The lender itself is MARUHAN Japan Bank Lao Co., Ltd., a direct lender based in Laos, so applications are assessed in country rather than passed to a broker.

How do I get help with my account?+

Support runs on email and phone, so a call or an email is the route for questions about balances, withdrawals or loan repayments. The bank has operated since 2013 and keeps its registered entity in Laos, which matters for savers and borrowers alike.

How does the rate compare with other savings brands?+

Against the brands next to it, the 1.89% deposit rate sits below Wise at 3.29% and bunq at 3.01%. Finteres offers a band of 0% to 36%, which runs from nothing to a very high rate, so the middle of that range matters more than the top.

Sources

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

Not confirmed yet: Deposit protection.

Maruhan Japan Bank Lao

Maruhan Japan Bank Lao

An easy-access Laos deposit account paired with same-day personal and housing lending.

8.7/10See alternatives