C6 Bank vs Rakuten Bank.
C6 Bank (C71/100) and Rakuten Bank (R70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. C6 Bank leads Rakuten Bank 4-1.
| C C6 Bank №30 · BACEN 71 /100 | R Rakuten Bank №33 · JFSA 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank JFSA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 2.9 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.3 ★ iOS 4.4 · And 4.2 |
| Read review → | Read review → | |
Pick C6 Bank if…
Fastest-growing Brazilian neobank since 2018, ~30M customers. JP Morgan Chase invested in 2021 (40% stake) — adds international banking-as-a-service dimension via C6 Glob (USD account product). The Carbono tier (R$45/mo) is a structural mid-market premium positioned between free Nu Padrão and Itaú Personnalité.
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 C6 Bank won 1 of 2
- Best for reach Tied
- Best for ux C6 Bank won 2 of 2
C6 Bank vs Rakuten Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is C6 Bank better than Rakuten Bank?
Under our v3 methodology, C6 Bank leads Rakuten Bank 4–1 across 12 dimensions. Composite scores: C6 Bank 71/100 vs Rakuten Bank 70/100. C6 Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is C6 Bank or Rakuten Bank cheaper?
Monthly fee — C6 Bank: €0; Rakuten Bank: €0. Card FX markup — C6 Bank: 4.00%; 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, C6 Bank or Rakuten Bank?
C6 Bank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Rakuten Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. C6 Bank is the stronger pick on regulatory protection.
Where can I use C6 Bank and Rakuten Bank?
C6 Bank 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.