Company Profile
| 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 |
