GMO Aozora Net Bank business account review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
GMO Aozora Net Bank gives businesses a debit card on the visa network, with a monthly fee of ¥0 and cashback of 1%. It suits Japanese companies that spend at home or abroad and want a plain company card, though anyone planning to buy crypto needs a different product.
Key facts
- Best for
- A Japanese business wanting a fee free Visa debit card with cashback and multi currency spending.
- 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
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataXfacebook.com
Pros and cons
Pros
- Monthly fee of ¥0 on the business account, plus cashback of 1%
- A debit card on the visa network, so it is accepted wherever that network is used
- Features listed include multi currency and travel, handy for business travel and paying in other currencies
Cons
- Support runs on help centre alone, so there is no live channel listed for quick answers
- The card is aimed at business customers, so personal account holders cannot use it
Who it suits
- A company in Japan that needs a card for everyday spending from its own account
- A small business paying suppliers or staff abroad, given the multi currency and travel listed
- A business that values the cashback rate of 1% on routine spending
Who should look elsewhere
- Anyone who wants to buy crypto, as this is a debit card drawing on a business bank balance
- People who need live phone or chat help, since support runs on help centre only
The company behind it
The card comes from GMO Aozora Net Bank, Ltd., a digital bank founded in 2018 and based in Japan. It works as an online bank for company accounts rather than a branch based one, and the card sits alongside a business current account. Questions are handled through a help centre, so help arrives in writing.
How GMO Aozora Net Bank business account compares
8.7 vs 9.4
8.7 vs 9.0
8.7 vs 8.2
8.7 vs 9.5
8.7 vs 9.6
8.7 vs 9.0
8.7 vs 9.1Its monthly fee is €0, but it pairs the card with crypto buying rather than plain business banking.
8.7 vs 8.9
8.7 vs 8.1
8.7 vs 8.2
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.0
8.7 vs 8.9- 8.7 vs 8.8
8.7 vs 8.8
8.7 vs 8.6
8.7 vs 8.5
8.7 vs 8.3
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 run?+
There is no monthly charge on the business account, and the fee is ¥0. Spend also earns cashback of 1%, a small return on company spending without any contract attached.
Is it a debit or credit card?+
The card is a debit card on the visa network, so spending comes straight out of the business account balance rather than a line of credit. It suits teams that want spending and bank balance in one place.
Who can open it?+
The account is built for business customers. Individuals after a personal everyday card would be better served by a personal account rather than this one.
How do I get help if the card goes wrong?+
Support is provided through a help centre, so questions are handled in writing rather than by phone. Help centre articles cover common account and card questions, and no phone or chat channel is listed.
Which country is it for?+
The account is aimed at business users in Japan, with GMO Aozora Net Bank, Ltd. based in Japan. It is set up for domestic business banking rather than for people living outside the country.
Does it handle other currencies?+
Yes. The listed features include multi currency and travel, so the account is set up for holding and spending in more than one currency. That helps if your business pays suppliers or staff in another market.
Is this a standalone card or part of an account?+
Treat it as a companion card to a business current account rather than a standalone card product. Read what the wider account includes before you commit, since the card is the visible part of a bigger banking setup.
How established is the bank behind it?+
The GMO Aozora Net Bank, Ltd. was founded in 2018 and is headquartered in Japan. It is a digital bank, not a crypto platform, so the card draws on ordinary bank balances.
Sources
- gmo-aozora.com/promotion/lp/business-debit checked September 26, 2026
Backs: Audience, Card type, Cashback rate, Monthly fee
- gmo-aozora.com/support checked September 26, 2026
Backs: Support channels
“FAQ/Help Center at help.gmo-aozora.com, contact form, callback service”
- tracxn.com/d/companies/gmo-aozora-net-bank/__NcveARP9NJJL... checked September 26, 2026
Backs: Founded
“Established in July 2018”
- a-tm.co.jp/top/creditcard/debitcard/service-gmoaozora-net... checked September 26, 2026
Backs: Features, Card network
“overseas ATM withdrawals with Visa or Plus marks”
- dnb.com/business-directory/company-profiles.gmo_aozora_ne... checked September 26, 2026
Backs: Headquarters, Legal entity
“Headquarters in Shibuya, Tokyo”
Compiled from 5 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
A Japanese business wanting a fee free Visa debit card with cashback and multi currency spending.