Sony Bank vs Trust Bank.
Sony Bank (S69/100) and Trust Bank (T52/100), 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 Trust Bank 4-1.
| S Sony Bank №41 · JFSA 69 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.15% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank JFSA | Payment inst. MAS |
| Deposit guarantee Per depositor | Safeguarded No DGS | Safeguarded SG.SDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
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.
Pick Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- Best for fees Sony Bank won 1 of 4
- Best for protection Sony Bank won 1 of 2
- Best for reach Sony Bank won 1 of 3
- Best for ux Trust Bank won 1 of 2
Sony Bank vs Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Sony Bank better than Trust Bank?
Under our v3 methodology, Sony Bank leads Trust Bank 4–1 across 12 dimensions. Composite scores: Sony Bank 69/100 vs Trust Bank 52/100. Sony Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Sony Bank or Trust Bank cheaper?
Monthly fee — Sony Bank: €0; Trust Bank: €0. Card FX markup — Sony Bank: 0.15%; Trust Bank: 1.00%. Sony 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, Sony Bank or Trust Bank?
Sony Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Sony Bank is the stronger pick on regulatory protection.
Where can I use Sony Bank and Trust Bank?
Sony Bank operates in 1 country; Trust 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.