{"ok":true,"province":"netbank","name":"ネット銀行（個人）","name_en":"Online banks (Japan)","level":1,"criteria":[{"id":"nb_rate","label":"普通預金の金利","label_en":"Deposit rate","direction":"higher","description":"優遇後を含む円普通預金の金利水準。証券連携などで上がる行も","unit":null,"kind":"editorial"},{"id":"nb_fee","label":"ATM・振込手数料の無料回数","label_en":"Free ATM/transfer","direction":"higher","description":"毎月の無料回数や条件のゆるさ。生活口座としての使いやすさ","unit":null,"kind":"editorial"},{"id":"nb_app","label":"アプリ・使い勝手","label_en":"App & UX","direction":"higher","description":"スマホアプリの操作性・認証・明細の見やすさ","unit":null,"kind":"editorial"},{"id":"nb_link","label":"連携・経済圏","label_en":"Ecosystem link","direction":"higher","description":"証券連携・ポイント・グループサービスとの相性","unit":null,"kind":"editorial"},{"id":"nb_fx","label":"外貨・付随サービス","label_en":"FX & extras","direction":"higher","description":"外貨預金・デビット・海外利用など付随サービスの幅","unit":null,"kind":"editorial"},{"id":"nb_safety","label":"規模・安心感","label_en":"Scale & trust","direction":"higher","description":"預金量・利用者規模など。預金保険の対象である点は各行共通","unit":null,"kind":"editorial"}],"items":[{"id":"nb_rakuten","name":"楽天銀行","name_en":null,"provider":"楽天グループ","jurisdiction":"JP","note":"口座数最大級。楽天証券とのマネーブリッジで普通預金金利が優遇。楽天ポイントとの相性が良い","note_en":null,"url":"https://www.rakuten-bank.co.jp/","shop_url":null,"metrics":{"nb_rate":78,"nb_fee":70,"nb_app":85,"nb_link":92,"nb_fx":65,"nb_safety":90},"facts":[],"sources":{"nb_rate":"editorial (2026-06) マネーブリッジ優遇前提・金利は改定で変動: https://www.rakuten-bank.co.jp/","nb_fee":"editorial (2026-06): https://www.rakuten-bank.co.jp/","nb_app":"editorial: 口座数最大級で利用者の多いアプリを磨き続ける立場にあり、使い勝手は候補7行で上位のため高め（2026-06初評）","nb_link":"editorial (2026-06) 楽天証券・楽天ポイント連携: https://www.rakuten-bank.co.jp/","nb_fx":"editorial: 外貨預金は備えるが主軸はポイントと証券連携にあり、外貨に強い二行に次ぐ候補中位のため中位の上（2026-06初評）","nb_safety":"editorial: 預金保険の対象は各行共通で、そのうえ口座数最大級という利用者規模があり候補7行で最上位のため高め（2026-06初評）"}},{"id":"nb_sbi","name":"住信SBIネット銀行","name_en":null,"provider":"SBIホールディングス／三井住友信託","jurisdiction":"JP","note":"スマプロランクでATM・振込無料回数が増減。SBI証券とのハイブリッド預金や外貨に強い","note_en":null,"url":"https://www.netbk.co.jp/","shop_url":null,"metrics":{"nb_rate":75,"nb_fee":80,"nb_app":82,"nb_link":90,"nb_fx":88,"nb_safety":88},"facts":[],"sources":{"nb_rate":"editorial (2026-06) SBIハイブリッド預金等・変動: https://www.netbk.co.jp/","nb_fee":"editorial (2026-06) スマプロランクで無料回数増減: https://www.netbk.co.jp/","nb_app":"editorial: ランク制度や証券連携など機能が多いぶん画面の要素も増える型で、候補7行の上位寄りのため高め（2026-06初評）","nb_link":"editorial (2026-06) SBI証券連携: https://www.netbk.co.jp/","nb_fx":"editorial: 外貨に強みを持つと明記される行で証券との資金移動も絡められ、候補7行で最上位に次ぐため高め（2026-06初評）","nb_safety":"editorial: 預金保険は各行共通、証券大手と信託銀行を母体に持つ規模の厚みで候補7行の最上位に次ぐため高め（2026-06初評）"}},{"id":"nb_sony","name":"ソニー銀行","name_en":null,"provider":"ソニーフィナンシャルグループ","jurisdiction":"JP","note":"外貨預金とSony Bank WALLET（デビット）に強み。海外利用の取り回しが良い","note_en":null,"url":"https://moneykit.net/","shop_url":null,"metrics":{"nb_rate":60,"nb_fee":65,"nb_app":78,"nb_link":55,"nb_fx":95,"nb_safety":80},"facts":[],"sources":{"nb_rate":"editorial (2026-06): https://moneykit.net/","nb_fee":"editorial: 外貨や資産運用に軸足を置く型で日常の入出金の優遇は主役でなく、候補7行で下位のため中位の上（2026-06初評）","nb_app":"editorial: 外貨とデビットの管理を一つにまとめる設計だが機能が多岐にわたり、候補7行で中位の下のためやや高め（2026-06初評）","nb_link":"editorial: 特定のポイント経済圏に属さない独立色の強い行で、グループ連携の広がりは候補7行で下位のため中位（2026-06初評）","nb_fx":"editorial (2026-06) 外貨・Sony Bank WALLETに強み: https://moneykit.net/","nb_safety":"editorial: 預金保険は各行共通、金融グループ傘下で歴史も長いが規模は最大手に及ばず候補中位に並ぶため高め（2026-06初評）"}},{"id":"nb_paypay","name":"PayPay銀行","name_en":null,"provider":"PayPay／ソフトバンク系","jurisdiction":"JP","note":"PayPayとの即時チャージ・連携が軸。アプリ完結で使いやすい","note_en":null,"url":"https://www.paypay-bank.co.jp/","shop_url":null,"metrics":{"nb_rate":62,"nb_fee":68,"nb_app":88,"nb_link":80,"nb_fx":50,"nb_safety":78},"facts":[],"sources":{"nb_rate":"editorial (2026-06): https://www.paypay-bank.co.jp/","nb_fee":"editorial: 決済アプリへのチャージを主な出入口とする型でATMや振込の無料枠は主役でなく、候補下位寄りのため中位の上（2026-06初評）","nb_app":"editorial: 決済アプリとの連携を軸にアプリ完結で使う設計が徹底され、使い勝手は候補7行で最上位のため高め（2026-06初評）","nb_link":"editorial (2026-06) PayPay連携: https://www.paypay-bank.co.jp/","nb_fx":"editorial: 国内の決済連携に特化した設計で外貨や海外利用は主役でなく、候補7行で下位寄りのため中位（2026-06初評）","nb_safety":"editorial: 預金保険は各行共通、決済と通信の大手系列だが銀行単体の規模では候補7行の下位のためやや高め（2026-06初評）"}},{"id":"nb_aujibun","name":"auじぶん銀行","name_en":null,"provider":"KDDI／三菱UFJ銀行","jurisdiction":"JP","note":"auマネ活プランやauカブコム証券連携で金利優遇。Pontaとの相性","note_en":null,"url":"https://www.jibunbank.co.jp/","shop_url":null,"metrics":{"nb_rate":80,"nb_fee":70,"nb_app":80,"nb_link":82,"nb_fx":60,"nb_safety":82},"facts":[],"sources":{"nb_rate":"editorial (2026-06) auマネ活/証券連携の優遇前提・変動: https://www.jibunbank.co.jp/","nb_fee":"editorial: グループの利用状況で無料回数が変わる条件つきの型で、回数の余裕は候補7行の中位に並ぶためやや高め（2026-06初評）","nb_app":"editorial: 通信会社系でスマホ前提の設計が根にあり、操作性は候補7行のちょうど中位にあたるため高め（2026-06初評）","nb_link":"editorial (2026-06) auカブコム証券・Ponta: https://www.jibunbank.co.jp/","nb_fx":"editorial: 外貨預金は扱うが軸は通信・証券グループとの金利優遇にあり、候補7行のちょうど中位のため中位（2026-06初評）","nb_safety":"editorial: 預金保険は各行共通、通信大手とメガバンクの共同出資という母体の厚みで候補7行の上位のため高め（2026-06初評）"}},{"id":"nb_aeon","name":"イオン銀行","name_en":null,"provider":"イオンフィナンシャルサービス","jurisdiction":"JP","note":"イオン店舗のATMが使える。イオン銀行Myステージで金利・特典が変動","note_en":null,"url":"https://www.aeonbank.co.jp/","shop_url":null,"metrics":{"nb_rate":58,"nb_fee":75,"nb_app":70,"nb_link":70,"nb_fx":45,"nb_safety":80},"facts":[],"sources":{"nb_rate":"editorial (2026-06) イオン銀行Myステージ次第で変動: https://www.aeonbank.co.jp/","nb_fee":"editorial (2026-06) イオン店舗ATM: https://www.aeonbank.co.jp/","nb_app":"editorial: 店舗とATMの利用を併せ持つ型でアプリ完結型ほど画面に寄せておらず、候補7行で下位のため中位の上（2026-06初評）","nb_link":"editorial: 流通系の店舗と電子マネーの経済圏に結びつくが証券連携の厚みでは上位行に譲り、候補下位寄りのため中位の上（2026-06初評）","nb_fx":"editorial: 国内の店舗網と電子マネーを軸にした生活密着型で外貨の比重は小さく、候補7行で下位のため中位の下（2026-06初評）","nb_safety":"editorial: 預金保険は各行共通、流通大手の系列で店舗網も持つが規模は最大手に譲り候補中位に並ぶため高め（2026-06初評）"}},{"id":"nb_ui","name":"UI銀行","name_en":null,"provider":"東京きらぼしフィナンシャルグループ","jurisdiction":"JP","note":"地銀系のデジタルバンク。円定期・普通預金の金利を高めに設定する傾向","note_en":null,"url":"https://www.ui-bank.com/","shop_url":null,"metrics":{"nb_rate":85,"nb_fee":55,"nb_app":68,"nb_link":40,"nb_fx":30,"nb_safety":70},"facts":[],"sources":{"nb_rate":"editorial (2026-06) 円預金金利を高めに設定する傾向・変動: https://www.ui-bank.com/","nb_fee":"editorial: 金利を前面に出す地銀系デジタルバンクで手数料の優遇は主役でなく、候補7行で最下位のため中位の下（2026-06初評）","nb_app":"editorial: 地銀系の新しいデジタルバンクで機能の積み上げが途上の型、候補7行で最下位のため中位の上（2026-06初評）","nb_link":"editorial: 地銀グループ内の新しい銀行で大きなポイント経済圏や証券連携を持たず、候補7行で最下位のため低め（2026-06初評）","nb_fx":"editorial: 円預金の金利に絞った地銀系デジタルバンクで外貨や海外向けの付随機能が薄く、候補最下位のため低め（2026-06初評）","nb_safety":"editorial: 預金保険は各行共通、地銀系で開業の新しいデジタルバンクゆえ利用者規模が小さく候補最下位のため中位の上（2026-06初評）"}}],"profiles":[{"id":"nb_saver","name":"金利重視・貯める人","name_en":"Rate maximizer","weights":{"nb_rate":0.45,"nb_fee":0.1,"nb_app":0.1,"nb_link":0.15,"nb_fx":0.05,"nb_safety":0.15}},{"id":"nb_daily","name":"生活口座・手数料無料派","name_en":"Daily account","weights":{"nb_rate":0.1,"nb_fee":0.4,"nb_app":0.25,"nb_link":0.1,"nb_fx":0.05,"nb_safety":0.1}},{"id":"nb_keizaiken","name":"経済圏・ポイント派","name_en":"Ecosystem points","weights":{"nb_rate":0.15,"nb_fee":0.15,"nb_app":0.2,"nb_link":0.4,"nb_fx":0.05,"nb_safety":0.05}},{"id":"nb_invest","name":"証券連携・待機資金派","name_en":"Investor link","weights":{"nb_rate":0.3,"nb_fee":0.1,"nb_app":0.15,"nb_link":0.35,"nb_fx":0.05,"nb_safety":0.05}},{"id":"nb_fx","name":"外貨・旅行/海外派","name_en":"FX & travel","weights":{"nb_rate":0.10000000000000002,"nb_fee":0.10000000000000002,"nb_app":0.15000000000000002,"nb_link":0.10000000000000002,"nb_fx":0.45000000000000007,"nb_safety":0.10000000000000002}}],"articles":[{"slug":"deposit-insurance-payoff-2026","title":"ペイオフとは？銀行が破綻したら預金はいくら戻る","dek":"「1人1行あたり1,000万円まで」の本当の意味。決済用預金・外貨預金・名寄せ・複数行分散まで、一次情報で。"}],"terms":[],"campaigns":[]}