Rakuten Bank vs Tiger BBP.
Rakuten Bank (R70/100) and Tiger BBP (T45/100), 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 Tiger BBP 5-1.
| R Rakuten Bank №33 · JFSA 70 /100 | T Tiger BBP №84 · MAS 45 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 45 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €60 /mo |
| FX markup Debit card abroad | Interbank | 0.50% |
| 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 | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | — |
| 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 Tiger BBP if…
APAC SMB platform from UP Fintech (NASDAQ: TIGR / Tiger Brokers parent). Broker-dealer-backed treasury yield via UP Fintech's brokerage infrastructure is the structural moat versus Aspire (no native yield) and Airwallex (optional Yield in select markets). Cross-Asia payment corridors plus public-company parent transparency (NASDAQ filings). Structurally distinct from APAC payment-institution alternatives.
- Best for fees Rakuten Bank won 2 of 4
- Best for protection Rakuten Bank won 1 of 2
- Best for reach Tiger BBP won 1 of 3
- Best for ux Rakuten Bank won 1 of 2
Rakuten Bank vs Tiger BBP — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Rakuten Bank better than Tiger BBP?
Under our v3 methodology, Rakuten Bank leads Tiger BBP 5–1 across 12 dimensions. Composite scores: Rakuten Bank 70/100 vs Tiger BBP 45/100. 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 Tiger BBP cheaper?
Monthly fee — Rakuten Bank: €0; Tiger BBP: €60. Card FX markup — Rakuten Bank: Interbank; Tiger BBP: 0.50%. Rakuten Bank wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Rakuten Bank or Tiger BBP?
Rakuten Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. Tiger BBP holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Rakuten Bank is the stronger pick on regulatory protection.
Where can I use Rakuten Bank and Tiger BBP?
Rakuten Bank operates in 1 country; Tiger BBP operates in 2 countries. 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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