Osaka Kosei Shinkin Bank Launches Interest Rate Campaign for Smartphone-Exclusive 'Tokimeki Time Deposit' at Internet Branch 'Osaka Tokimeki Branch'

Osaka Kosei Shinkin Bank (Location: Osaka Prefecture; Financial Institution Code: 1633) will launch an interest rate campaign for its smartphone-exclusive 'Tokimeki Time Deposit' at its internet branch, 'Osaka Tokimeki Branch,' starting April 1, 2026 (Wednesday).

The 'Osaka Tokimeki Branch,' which opened on November 10, 2025, is now launching an interest rate campaign for the 'Tokimeki Time Deposit,' available exclusively to new customers. Applications can be made without visiting a branch via the 'Osaka Kosei Shinkin Bank App.'

Campaign Overview

[Application Period] April 1, 2026 (Wednesday) – June 30, 2026 (Tuesday)

[Product Name] Tokimeki Time Deposit

[Applicable Interest Rate (Annual)] ▶ 1-year term: 1.300% (1.035% after tax) ▶ 3-year term: 1.350% (1.075% after tax)

[Deposit Amount] 100,000 yen to 10,000,000 yen (up to 30,000,000 yen per person)

[Eligibility] Individuals aged 18 or older who use a passbook-less account via the Osaka Kosei Shinkin Bank App (for the account holder only). *Limited to individuals with Japanese nationality residing in the two prefectures and four cities of the Kinki region.

How to Open an Account via the App [Image provided in original text]

Important Notes ・This time deposit is available exclusively via smartphone. It cannot be handled at bank counters. ・Installation of the 'Osaka Kosei Shinkin Bank App' and a contract for a passbook-less account are required to apply. ・This time deposit is limited to new applications at the Osaka Tokimeki Branch. Existing Osaka Tokimeki Branch account holders are not eligible to apply. ・No certificates or passbooks will be issued. Please check your details via the app. ・This is an automatically renewing product (principal renewal, simple interest type). It will be automatically renewed at the interest rate applicable to the same product and term on the renewal date. ・Early withdrawal is generally not permitted. In unavoidable circumstances, a mid-term cancellation interest rate will be applied. ・This time deposit is covered by the Deposit Insurance System. Principal up to 10 million yen per person and interest are protected. ・Interest is subject to a 20.315% withholding tax (15.315% national tax, 5% local tax).

Inquiries Regarding This Matter Osaka Kosei Shinkin Bank, Osaka Tokimeki Branch Toll-free: 0120-163-380 Reception hours: Weekdays 9:00–16:00 (excluding bank holidays)

Osaka Kosei Shinkin Bank App Details Page: https://www.co-sei.co.jp/app_t/index.html