Rakuten Bank vs AngelList Stack.
Rakuten Bank (R70/100) 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. Rakuten Bank leads AngelList Stack 4-1.
| A AngelList Stack №44 · FDIC 66 /100 | R Rakuten Bank №33 · JFSA 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 66 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | $0 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| 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 | — | 4.3 ★ iOS 4.4 · And 4.2 |
| 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 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 Tied
- Best for protection Tied
- Best for reach Rakuten Bank won 1 of 3
- Best for ux Rakuten Bank won 1 of 2
Rakuten 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 Rakuten Bank?
Under our v3 methodology, Rakuten Bank leads AngelList Stack 4–1 across 12 dimensions. Composite scores: AngelList Stack 66/100 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 AngelList Stack or Rakuten Bank cheaper?
Monthly fee — AngelList Stack: $0; Rakuten Bank: €0. Card FX markup — AngelList Stack: Interbank; Rakuten Bank: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, AngelList Stack or Rakuten Bank?
AngelList Stack holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Rakuten 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 Rakuten Bank?
AngelList Stack 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.