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Japan Post Bank Company, Limited (株式会社ゆうちょ銀行, Kabushiki-gaisha, Yū-cho Ginkō (郵貯)), is a Japanese bank with head office in Tokyo which is part of the Japan Post Holdings postal and financial services group. It was established on 1 September 2006, as part of the restructure plan of Japan Post into Japan Post Holdings.

The business strategies of the Bank is disperse risks and diversify earnings sources, by diversifying means of investments (into trading of derivatives, acquisition and sales of monetary credits, syndicated loans, securitized products, beneficiary rights, and investments in stocks), while controlling interest rates-associated risks appropriately.

Japan Post Bank also implement unique product strategies, including development of custom-made investment products, which are attractive so that investors want to hold over the long term, easy to understand, and of low costs / high quality.

The Bank will take advantage of strengthen channels of post office networks, by providing its infrastructure and sales support tools, improve the compliance system, help improve quality and enhance training programs.

Japan Post Bank also provides cash withdrawal services for credit cards and cash cards issued by overseas financial institutions. Cards bearing the VISA, VISAELECTRON, PLUS, MasterCard, Maestro, Cirrus, American Express, Diners Club, JCB, China Unionpay and DISCOVER can make withdrawals at Japan Post Bank ATMs.
 

In Japan, the Financial Services Agency (金融庁, Kin'yūchō) is responsible for overseeing banking services in order to ensure the stability of the financial system of Japan. Bank of Japan (BOJ) is not a regulatory authority under the Banking Act, but it conducts on-site examinations in order to maintain a safe and sound financial system. These examinations are based on bilateral agreements between the BOJ and financial institutions that have current accounts with it under the Bank of Japan Act.