Title says.
Since I’m already invested in the whole Rakuten ecosystem (credit card/ETC, mobile phone, online purchases), I’m thinking of switching over Rakuten Bank as my main daily, connecting salary, bills, etc to it.
Any advantages/disadvantages to this? Been using JP Post Bank for the longest time, but I’d like to consolidate the amount of cards in my wallet to keep everything simple.
3 comments
Do they have ATMs open after 6pm?
Been using Rakuten Bank for 5+ years, perfectly happy with it.
My only complaint would be the status level system they use to determine how many times you can use ATMs or transfer money for free per month. It’s based things like your balance and number of transactions per month, but it’s hard to remember what the conditions are and on what day the judgement is, so I’ve been caught short and having to pay to use an ATM or transfer a couple times. But I’ve more than made up for that cost through the points I’ve made, transaction fees saved, and the cash present click page they have
Makes perfect sense.
The only exception I can think of is if you keep more than the deposit amount covered by government insurance in the bank. Though in that case you should think about investing it first and then moving banks.