Rakuten Bank vs Klar.
Rakuten Bank (R70/100) and Klar (K50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Rakuten Bank leads Klar 4-1.
| K Klar №76 · CNBV 50 /100 | R Rakuten Bank №33 · JFSA 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. CNBV | Full bank JFSA |
| Deposit guarantee Per depositor | Safeguarded MX.IPAB | 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 | 4.3 ★ iOS 4.4 · And 4.3 | 4.3 ★ iOS 4.4 · And 4.2 |
| Read review → | Read review → | |
Pick Klar if…
Mexican challenger neobank under SOFIPO licence (CNBV). Credit-card-led — competes with Stori for the underbanked-credit segment. SOFIPOs have limited IPAB cover compared to full banks (instituciones de banca múltiple).
Pick Rakuten Bank if…
Largest Japanese internet-only bank by customer count (~14M+) and the only TSE Prime-listed pure-play net bank (TYO: 5838, IPO 21 April 2023 — the largest Japanese IPO in five years at the time). Originally chartered as eBank in 2001; acquired by Rakuten Group (TYO: 4755) in 2009. Structural moat is the Rakuten Points + Rakuten Card + Rakuten Securities + Rakuten Mobile + Rakuten Ichiba ecosystem — points cross-pollinate across the entire surface area. Full FSA Banking Act licence; statutory DICJ member at the JPY 10,000,000 ceiling.
- Best for fees Rakuten Bank won 1 of 4
- Best for protection Rakuten Bank won 1 of 2
- Best for reach Rakuten Bank won 1 of 3
- Best for ux Klar won 1 of 2
Rakuten Bank vs Klar — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Klar better than Rakuten Bank?
Under our v3 methodology, Rakuten Bank leads Klar 4–1 across 12 dimensions. Composite scores: Klar 50/100 vs Rakuten Bank 70/100. Rakuten Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Klar or Rakuten Bank cheaper?
Monthly fee — Klar: €0; Rakuten Bank: €0. Card FX markup — Klar: 2.00%; Rakuten Bank: Interbank. Rakuten Bank 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, Klar or Rakuten Bank?
Klar holds a Payment inst. licence under CNBV; deposit guarantee per depositor: Safeguarded. Rakuten Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. Rakuten Bank is the stronger pick on regulatory protection.
Where can I use Klar and Rakuten Bank?
Klar operates in 1 country; Rakuten 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.