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GMO Aozora Net Bank business account review

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

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Our verdict

GMO Aozora Net Bank suits small businesses that want a free Visa debit card tied to their account rather than a reward card. The monthly fee is ¥0 and the annual fee is ¥0, with supplementary employee cards and accounting software integration included.

Key facts

Best for
Business owners in Japan who want a no fee Visa debit card that links to their bank account.
Monthly fee
¥0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
1% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
GMO Aozora Net Bank, Ltd. (Source, checked September 26, 2026)
Headquarters
Japan (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Features
Multi-currency, Travel
Audience
Business
Official website
gmo-aozora.com

Credit cards

Annual fee
¥0 (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Perks
ETC card available, Up to 3 supplementary employee cards, Accounting software integration, Contactless payments, Quick issuance (3 business days) (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
GMO Aozora Net Bank, Ltd. (Source, checked September 26, 2026)
Headquarters
Japan (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Features
Multi-currency, Travel
Audience
Business

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataXfacebook.com

Pros and cons

Pros

  • Monthly fee of ¥0 and annual fee of ¥0
  • Points paid at 1% on spending
  • Quick card issuance in ETC card available, Up to 3 supplementary employee cards and Accounting software integration
  • Accounting software integration and an ETC card in ETC card available, Up to 3 supplementary employee cards and Accounting software integration

Cons

  • Support runs on help centre only, so no phone line is listed
  • The card uses the visa network with no other network offered
GMO Aozora Net Bank business account

Ready to try GMO Aozora Net Bank business account?

Scored 8.7 / 10 by DebitCue.

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Who it suits

  • Businesses paying business travel costs who value the multi-currency and travel features in multi currency and travel
  • Small firms that already use the accounting software named in ETC card available, Up to 3 supplementary employee cards and Accounting software integration
  • Companies that need extra staff cards, as ETC card available, Up to 3 supplementary employee cards and Accounting software integration allows

Who should look elsewhere

  • Anyone wanting to borrow, since credit lists the card as credit while debit labels it debit
  • Card buyers who need phone support, because help centre lists a help centre only
  • Travel users who want a no foreign fee setup, as this card is not built around that

The company behind it

The account runs through GMO Aozora Net Bank, Ltd., which is based in Japan and was founded in 2018. It serves business customers rather than personal accounts. Help is provided through help centre, so questions are answered in written form rather than by phone. The card itself is a debit card on the visa network.

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 GMO Aozora Net Bank business account cost to keep?+

The account carries a monthly fee of ¥0 and an annual fee of ¥0, so holding it does not cost anything on a monthly basis. That makes it a low cost option for a business that only needs a card for spending and travel.

Is this a debit card or a credit card?+

The card is listed as debit and draws on the business account balance, while the card kind entry reads credit. Because the listing mixes the two, treat the card as tied to the account balance rather than as a borrowing product.

Can staff get their own cards?+

Yes. ETC card available, Up to 3 supplementary employee cards and Accounting software integration lists up to supplementary employee cards alongside an ETC card option. Employee extras sit in the same list as quick issuance in ETC card available, Up to 3 supplementary employee cards and Accounting software integration, so a single company card can cover a small team.

Which network does the card use?+

The card runs on visa, as stated in the network fact. No other network is listed, so acceptance follows that single scheme wherever it is accepted.

Is there any reward on business spending?+

Rewards are paid as points at a rate of 1% on spending. Points are the only reward type recorded, so a business that wants cash back would not find it described here.

Who can open this account?+

The audience for the account is listed as business, which points to registered businesses rather than individuals. Personal users looking for an everyday debit card would be reading the wrong listing.

How is the account supported?+

Support runs through help centre. That means help is offered in a help centre, and the listing does not include a phone channel, so a business that needs voice support should check that before applying.

Does the card suit business travel?+

The feature list in multi currency and travel includes multi-currency and travel, which fits companies paying suppliers or staff abroad. Currency conversion costs are not part of the listed facts, so check current pricing before committing to frequent overseas spending.

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

Business owners in Japan who want a no fee Visa debit card that links to their bank account.

8.7/10See alternatives