Key Takeaways：A head-to-head look at Japan’s three mega banks—MUFG, SMBC Olive, and Mizuho—across fees, savings rates, cards, and investing perks. It covers the just-launched Olive Infinite (Japan’s first Visa Infinite, with up to 6% credit-card investing via SBI Securities), the 0.3% ordinary savings rate (a 33-year high), and Mizuho’s stake in Rakuten Bank. If you’re picking a Japanese bank—or stacking a few for the best perks—this breaks down which one actually fits you. VS SERIES FINALE | Japan’s Three Mega Banks Compared FINAL CHAPTER / Series Finale Japan’s 3 Mega Banks Compared MUFG SMBC Mizuho Which Is Right for You? Drawing on 100+ authoritative sources and the latest data, we compare all three mega banks across 8 dimensions. Whether you’re a student, a foreign full-time employee, a Rakuten ecosystem user, an SBI Securities devotee, or planning a move to the U.S., you’ll find the bank that fits you best —

Key Takeaways：Mizuho Bank lets foreign residents open an account from their phone in about a day, and pairs surprisingly well with Rakuten. The Mizuho Rakuten Card’s first-year W-Point Plan effectively returns 2% (up to 10,000P), and 6,800+ Aeon ATMs work like Mizuho’s own. If you already use Rakuten Securities or shop at Aeon, Mizuho quietly becomes one of the most practical megabanks for expats. 03 SERIES | Japan’s Three Megabanks PART 03 / 03 + final comparison Mizuho Bank (みずほ銀行) A Foreigner’s Complete Guide The megabank with the deepest tie-up with Rakuten. Mizuho Rakuten Card W-Point Plan stacks 1% Rakuten + 1% Mizuho for an effective 2% cashback (first year, capped at 10,000P). Tight integration with Rakuten Securities. 6,800+ Aeon Bank ATMs treated as Mizuho’s own. Purpose-built for residents who already live inside the Rakuten ecosystem. 24M+ retail accounts 310+ branches 6,800+ Aeon ATMs 2% W-Point cashback* 📌 One-minute summary

Key Takeaways：SMBC’s Olive ecosystem is one of the most foreigner-friendly megabank setups in Japan — you can open an account from the app in a single day, and the Flexible Pay card combines cash, credit, debit, and points into one piece of plastic. This guide breaks down eligibility, the 20% V Point stacking trick, the SBI Securities credit-card investment loop, and what’s coming with Olive Infinite in spring 2026. 02 SERIES | Japan’s Three Megabanks PART 02 / 03 + Finale SMBC (Sumitomo Mitsui) + Olive A Foreigner’s Guide SMBC is the most aggressive megabank on digital. The 4-in-1 Olive Flexible Pay card, up to 20% reward stacking, deep SBI Securities synergy, and same-day app account opening make Olive the modern foreigner’s best default for a Japanese main bank. 70min fastest open 20% max reward 533+ branches 4-in-1 card modes 📌 One-minute summary SMBC + Olive is the most thoroughly