#SBI Shinsei Bank #SBI Hyper Deposit #Interest Campaign

SBI Shinsei Bank Launches Up to 10x Interest Campaign

SBI Shinsei Bank, headquartered in Chuo-ku, Tokyo, is set to unveil an innovative campaign designed to reward its customers with significantly higher interest rates on the SBI Hyper Deposit account, starting December 10, 2025. This campaign, labeled "Aim for 1 Trillion Yen! Hyper Deposit Maximum 10x Interest Campaign," is aimed at increasing customer engagement while enhancing savings potential.

About the Campaign

This unique campaign will introduce special interest rates based on the total balance in the SBI Hyper Deposit accounts. The campaign structure encourages participants to contribute to the overall balance, resulting in a compelling collaborative effort to reach a goal of one trillion yen. Should the bank's total balance exceed this impressive milestone during the promotional period, customers will receive a staggering interest rate of up to 4.20% (pre-tax), equivalent to ten times the normal rate for balances up to 1 million yen. This high interest rate reflects SBI Shinsei Bank's commitment to customer-centric banking.

From December 10, 2025, to March 31, 2026, customers will experience an escalating interest rate system. Even if the balance does not reach one trillion yen, favorable interest rates will still apply. For example, if the total balance exceeds 600 billion yen, customers will enjoy a double interest rate of 0.84% (pre-tax), while balances above 800 billion yen will earn four times the regular rate at 1.68% (pre-tax). As of December 4, 2025, the bank had already surpassed 500 billion yen in balances, demonstrating strong customer interest.

Participation Benefits

All registered customers who participate from the commencement date will have their interest calculated daily based on their average daily balance, up to the 1 million yen mark. The additional interest earned over the campaign period will be calculated from the date a customer joins the campaign until the conclusion on March 31, 2026. This incentive structure not only promotes saving but also allows customers to see tangible benefits in the form of cash bonuses by the end of May. Notably, new entries will close once the bank reaches the 1 trillion yen target, making early participation crucial.

Example Scenarios of Earnings

To illustrate potential earnings, consider the following scenarios if the total balance reaches one trillion yen with an interest rate of 4.20%:

• - Scenario 1: A customer deposits 1 million yen on December 10, 2025, and retains it until March 31, 2026. The total interest earned would be approximately 9,296 yen (after tax).
• - Scenario 2: Another customer deposits the same amount on January 1, 2026, with earnings projected at about 7,470 yen (after tax) for the same duration.
• - Scenario 3: A customer maintaining an average balance of 700,000 yen throughout the period would earn around 5,220 yen (after tax).

How to Participate

To partake in this extraordinary campaign, customers simply need to register via the SBI Shinsei Bank website during the promotional period. This campaign represents the twelfth edition of the bank's ongoing