NPB

NPB | 2025-05-08 18:26

摘要：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 Review Summary
Founded	1917
Registered Country/Region	Japan
Regulation	Not regulated
Products and Services	Savings accounts, loans, insurance, investment trusts, foreign exchange
Demo Account	❌
Trading Platform	North Pacific Bank App, Internet Investment Trust Direct
Customer Support	Lost 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.

Pros and Cons

Pros	Cons
Offers a wide range of personal and retail banking products	Not a licensed broker for trading or investment
Well-established with physical presence in Japan	High fees for international remittance and FX services
Mobile banking and mutual fund investment access	No 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.

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.

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 Type	Offered
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	✅

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 Type	Description	Suitable For
General Account (Regular Deposit)	Standard yen-denominated savings/deposit account	General personal banking users
Deposits for Educational Donations (Yell)	Tax-advantaged deposits intended for education-related gifting	Parents or guardians saving for education
Marriage & Child-rearing Gift Deposits (Happy Yell)	Designed for gifting funds related to marriage or raising children	Families planning life events
Guardianship System Support Deposit	Account aligned with legal guardianship and asset management needs	Elder care or family legal guardians
Web Account (Online Setup)	Internet-based general deposit account	Customers preferring remote access

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 Pair	T.T.S. (Sell Rate)	T.T.B. (Buy Rate)	Spread (TTS - TTB)
USD/JPY	143.57	141.57	2
EUR/JPY	163.64	160.64	3
GBP/JPY	194.99	186.99	8
AUD/JPY	92.94	88.94	4
NZD/JPY	86.5	82.5	4
CHF/JPY	173.8	172	1.8
CAD/JPY	104.65	101.45	3.2

Non-Trading Fees

Non-trading Fee Type	Fee 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 Fee	Not 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 Platform	Supported	Available Devices	Suitable for What Kind of Traders
North Pacific Bank App	✔	iOS, Android (Smartphones)	Everyday banking and mobile users managing personal finance
Internet Investment Trust Direct	✔	Web Browser	Investors using online access for mutual/investment trusts
MetaTrader 4 (MT4)	❌	–	Not supported
MetaTrader 5 (MT5)	❌	–	Not supported