---
title: "UI Bank operating profile (UI銀行 / きらぼし FG 系)"
aliases:
  - "banking/ui-bank"
  - "UI Bank operating profile"
  - "UI銀行 operating profile"
  - "UI Bank Co., Ltd."
  - "Kiraboshi UI Bank"
domain: banking
created: 2026-05-25
last_updated: 2026-07-29
last_tended: 2026-07-29
review_by: 2026-10-27
confidence: likely
tags: [banking, net-bank, digital-bank, regional-bank-group, kiraboshi-fg, smartphone-first]
status: active
sources:
  - "https://www.uibank.co.jp/"
  - "https://www.uibank.co.jp/info/"
  - "https://www.uibank.co.jp/service/uiplus/"
  - "https://www.tokyo-kiraboshifg.co.jp/"
  - "https://www.tokyo-kiraboshifg.co.jp/ir/"
  - "https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx"
canonical_anchor: regional-banks/ui-bank
---

# UI Bank operating profile (UI銀行 / きらぼし FG 系)

## Wiki route

This entry sits under [[banking/INDEX|banking index]] as the operating-profile companion to the entity anchor at [[regional-banks/ui-bank|UI銀行 entity anchor]]. Read it within the segment map at [[banking/japan-net-bank-competition-map|Japan net bank competition map]], next to the regional-digital-bank peers [[banking/minna-bank-baas-model|Minna Bank BaaS model]] · [[regional-banks/01-bank|01 Bank]], with the parent context at [[regional-banks/kiraboshi-fg|東京きらぼし FG]] and [[regional-banks/kiraboshi-bank|きらぼし銀行]], and against the ecosystem net-bank cohort [[banking/rakuten-bank|Rakuten Bank]] · [[banking/paypay-bank|PayPay Bank]] · [[banking/au-jibun-bank|au Jibun Bank]] · [[banking/sony-bank|Sony Bank]] for the broader smartphone-first banking distribution comparison. Pair it with [[banking/regional-bank-api-digital-partnership-route|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 | [[regional-banks/kiraboshi-fg|東京きらぼし FG]] (100%) |
| Sister bank | [[regional-banks/kiraboshi-bank|きらぼし銀行]] — 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

1. **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.
2. **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.
3. **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 subsidiaries
```

### Account, 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. ^[extracted]

### 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

- [[banking/INDEX]]
- [[banking/japan-net-bank-competition-map]]
- [[banking/regional-bank-api-digital-partnership-route]]
- [[banking/regional-bank-consolidation-pattern]]
- [[banking/baas-japan-landscape]]
- [[banking/japan-banking-license-tier-comparison-matrix]]
- [[banking/minna-bank-baas-model]]
- [[banking/japan-baas-operating-models]]
- [[banking/sony-bank]] · [[banking/daiwa-next-bank]] · [[banking/gmo-aozora-net-bank]]
- [[banking/rakuten-bank]] · [[banking/paypay-bank]] · [[banking/au-jibun-bank]]
- [[regional-banks/ui-bank]]
- [[regional-banks/kiraboshi-fg]]
- [[regional-banks/kiraboshi-bank]]
- [[regional-banks/01-bank]]
- [[financial-licenses/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).