Rakuten Bank vs Stori.
Rakuten Bank (R70/100) and Stori (S50/100), 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 Stori 4-1.
| R Rakuten Bank №33 · JFSA 70 /100 | S Stori №77 · CNBV 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank JFSA | Payment inst. CNBV |
| Deposit guarantee Per depositor | Safeguarded No DGS | Safeguarded MX.IPAB |
| 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 | 4.3 ★ iOS 4.4 · And 4.2 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
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.
Pick Stori if…
Mexican credit-card-first neobank. SOFIPO licence under CNBV. Mass-market underbanked focus (no minimum income requirement) — credit-line access is the structural differentiator vs. Klar. ~3M Mexican customers.
- 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 Stori won 1 of 2
Rakuten Bank vs Stori — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Rakuten Bank better than Stori?
Under our v3 methodology, Rakuten Bank leads Stori 4–1 across 12 dimensions. Composite scores: Rakuten Bank 70/100 vs Stori 50/100. Rakuten Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Rakuten Bank or Stori cheaper?
Monthly fee — Rakuten Bank: €0; Stori: €0. Card FX markup — Rakuten Bank: Interbank; Stori: 2.00%. 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, Rakuten Bank or Stori?
Rakuten Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. Stori holds a Payment inst. licence under CNBV; deposit guarantee per depositor: Safeguarded. Rakuten Bank is the stronger pick on regulatory protection.
Where can I use Rakuten Bank and Stori?
Rakuten Bank operates in 1 country; Stori 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?
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