Score

1.49 /10
Danger

NPB

Suspicious Regulatory License

High potential risk

B

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Exposure

Time Machine
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Score

Regulatory Index0.00

Business Index6.87

Risk Management Index0.00

Software Index4.00

License Index0.00

Time Machine
Website

Licenses

No valid regulatory information, please be aware of the risk

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Warning: Low score, please stay away! 2
Previous Detection : 2025-07-18
  • It has been verified that this broker currently has no valid regulation. Please be aware of the risk!
  • The current information shows that this broker does not have a trading software. Please be aware!

WikiFX Verification

NPB · Company summary
NPB Review Summary
Founded1917
Registered Country/RegionJapan
RegulationNot regulated
Products and ServicesSavings accounts, loans, insurance, investment trusts, foreign exchange
Demo Account
Trading PlatformNorth Pacific Bank App, Internet Investment Trust Direct
Customer SupportLost Card Center: 0570-079-456 (24/7)
Asset Mgmt Support: 0120-824-014 (Weekdays 9:00–17:00)
NISA Inquiries: 0120-213-505 (Weekdays 9:00–19:30; Weekends 10:00–16:00)
FX Help Desk: 011-261-1328 (Weekdays 9:00–17:00)
Loan Inquiries: 0120-608-552 (Weekdays 9:00–17:00)
Credit Cards: 0570-019-680 (Weekdays 9:00–17:00)
Internet Banking: 0120-161-697 or 011-290-6833 (Weekdays 9:00–17:00)

NPB Information

Founded in 1917 and located in Japan, North Pacific Bank runs as a conventional regional bank. It is not regulated for investment or trading services and does not offer forex, CFD, or cryptocurrency trading. Its services are focused on deposits, loans, insurance, and foreign currency accounts.

NPB Information

Pros and Cons

ProsCons
Offers a wide range of personal and retail banking productsNot a licensed broker for trading or investment
Well-established with physical presence in JapanHigh fees for international remittance and FX services
Mobile banking and mutual fund investment accessNo trading accounts or demo/Islamic account options

Is NPB Legit?

NPB (North Pacific Bank Ltd. or any connected entity using the name “NPB” as a trading platform) is not a controlled broker. Though it is registered in Japan, there is no legitimate license or permission from Japan's Financial Services Agency (FSA), the national statutory financial authority.

Is NPB Legit?

The WHOIS record shows the domain hokuyobank.co.jp was registered on November 15, 2000 and is now active; its most recent update was recorded on December 1, 2024. The domain appears under North Pacific Bank, Ltd., a valid Japanese bank.

Is NPB Legit?

Products and Services

North Pacific Bank provides a broad spectrum of conventional banking and financial services. It does not offer CFDs or Crypto, two speculative trading instruments. Its products, on the other hand, concentrate on insurance services, loans, investment trusts, and banking.

Product/Service TypeOffered
Savings & Deposit Accounts
Loans (Mortgage, Auto, etc.)
Investment Trusts (Mutual Funds)
Insurance
Foreign Exchange Services
Securities / Stocks Trading
CFD / Crypto
Retirement & Pension Plans
ATM & Internet Banking
Products and Services

Account Types

North Pacific Bank offers several types of deposit accounts tailored to specific life needs such as education, marriage, or guardianship. These are not trading accounts, and there is no demo or Islamic account offered, as the bank is a traditional financial institution rather than a trading platform.

Account TypeDescriptionSuitable For
General Account (Regular Deposit)Standard yen-denominated savings/deposit accountGeneral personal banking users
Deposits for Educational Donations (Yell)Tax-advantaged deposits intended for education-related giftingParents or guardians saving for education
Marriage & Child-rearing Gift Deposits (Happy Yell)Designed for gifting funds related to marriage or raising childrenFamilies planning life events
Guardianship System Support DepositAccount aligned with legal guardianship and asset management needsElder care or family legal guardians
Web Account (Online Setup)Internet-based general deposit accountCustomers preferring remote access
Account Types

NPB Fees

NPB does not operate as a traditional online forex or CFD broker, and its fee structure is oriented around foreign currency exchange and banking services. Compared to industry-standard trading platforms, its fees are relatively high—particularly for international remittance and currency conversion.

Currency PairT.T.S. (Sell Rate)T.T.B. (Buy Rate)Spread (TTS - TTB)
USD/JPY143.57141.572
EUR/JPY163.64160.643
GBP/JPY194.99186.998
AUD/JPY92.9488.944
NZD/JPY86.582.54
CHF/JPY173.81721.8
CAD/JPY104.65101.453.2
NPB Fees

Non-Trading Fees

Non-trading Fee TypeFee Details
Deposit Fee¥1,500 (incoming remittance handling) + lifting charge (min ¥2,500)
Withdrawal Fee¥7,500 for international wire transfers; lifting charge may also apply
Inactivity FeeNot disclosed
Outgoing Remittance Inquiry Fee¥5,000
Change/Reversal Fee¥5,000 per request
Lifting Charge (Outbound)1/20% of the remittance amount (min ¥2,500)
Lifting Charge (Inbound)1/20% of the amount received (min ¥2,500)
Paying Bank Fee (optional)¥3,000

Trading Platform

Trading PlatformSupportedAvailable DevicesSuitable for What Kind of Traders
North Pacific Bank AppiOS, Android (Smartphones)Everyday banking and mobile users managing personal finance
Internet Investment Trust DirectWeb BrowserInvestors using online access for mutual/investment trusts
MetaTrader 4 (MT4)Not supported
MetaTrader 5 (MT5)Not supported
Trading Platform

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