Sony Bank vs AngelList Stack.
Sony Bank (S69/100) and AngelList Stack (A66/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Sony Bank leads AngelList Stack 4-2.
| A AngelList Stack №44 · FDIC 66 /100 | S Sony Bank №41 · JFSA 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 66 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | $0 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | 0.15% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank JFSA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | — | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick AngelList Stack if…
The integrated startup stack — incorporation + EIN + banking + cap table + payroll in one flow. Built specifically for pre-Series-A founders using AngelList Venture for SAFE management. Reduces the typical Stripe Atlas + Mercury + Carta setup time from 2-3 weeks to a single guided flow. Partner-bank fintech for the banking leg; the integration value is the moat, not the bank product itself.
Pick Sony Bank if…
Japan's longest-running internet-only bank (operational since June 2001) — predates Rakuten Bank's eBank acquisition and tied with SBI Sumishin for first-net-bank tenure. The structural specificity is multi-currency forex strength: foreign-currency deposit accounts in 12+ currencies plus retail FX margin trading, the deepest retail-FX product among Japanese chartered net banks. Wholly-owned subsidiary of Sony Financial Group, in turn part of Sony Group Corporation (TYO: 6758). Sony Bank ≠ Sony Pay / Sony Mobile Wallet — the bank holds a full Banking Act licence, the wallet brands do not.
- Best for fees AngelList Stack won 1 of 4
- Best for protection Tied
- Best for reach Sony Bank won 1 of 3
- Best for ux Sony Bank won 1 of 2
Sony Bank vs AngelList Stack — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is AngelList Stack better than Sony Bank?
Under our v3 methodology, Sony Bank leads AngelList Stack 4–2 across 12 dimensions. Composite scores: AngelList Stack 66/100 vs Sony Bank 69/100. Sony Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is AngelList Stack or Sony Bank cheaper?
Monthly fee — AngelList Stack: $0; Sony Bank: €0. Card FX markup — AngelList Stack: Interbank; Sony Bank: 0.15%. AngelList Stack wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, AngelList Stack or Sony Bank?
AngelList Stack holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Sony Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use AngelList Stack and Sony Bank?
AngelList Stack operates in 1 country; Sony Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.