Japan has been known worldwide for their “yuru-kyara” (mascot) culture. (I have mentioned this on my post about Hikkoshi More). These yuru-kyara, bereft of social class and race reach out to the consumers for a product or service that a company offers. It is a good marketing agenda since the mascots become more relatable and accommodating. It is also a way of spreading culture and traditions. So the mascot phenomenon is more than just money, it is a way of life in the wonderful country of Japan.
This is why a relatively new website that recommends different type of credit cards called Card Loan Girls also jumped on the yuru-kyara bandwagon. Card Loan Girls however, uses more endearing “bishoujo” (beautiful young girls) mascots to represent different banks and card packages. If you’re obsessed with moe characters, you may unconsciously spend so much time browsing the website just being amazed by these mascots.
I made a summary on what each mascot offers.
Saori for Mobit Card (Miwa Bank)
For Miwa Bank, accessibility is one of their top priorities. With Mobit, the pink colored one, you can access your accounts with any of the ATMs around the country. In the website, it explains how anyone from 20 to 69 years old can register for an account online. With a click of a button, and 30 minutes to spare, you can have your own account at their bank. A catch though, their interest rate is currently at 3% and though you can easily withdraw money with your Mobit card, it charges you a small amount per transaction.
Rei for Lake Card (Shinsei Bank)
Rei is the golden mascot for the Lake Card of Shinsei Bank. With many ways to register – online and through phone. It has higher interest rate, currently between 4.5% to 18%, depending on how much money you have. With a huge interest, one of its perks is that it will not deduct any money from your account every time you withdraw from the ATM. One drawback is that prospective applicants need to have a paying job to be able to successfully open an account with the bank.
Komugi for Orix Bank
Orix is like Shensei and Miwa combined. Just like Miwa, all transactions are made online for Orix Bank. For you to be able to open an account, you have to be between 20 and 65 years old. Just like Shensei, they do not charge you for any ATM transaction. Another fun perk with this bank is that it is very easy to get a card loan, and free too as long as you can show them a receipt of a 300,000 yen purchase. As for their interest rate, Orix is in the middle compared to other bank interests.
Nadeko for Acom
Even though they’ve been in the business since 1936, they are able to be resilient and were able to adapt to the changing needs of their clienteles. They have policies very similar to Shinsei – 20 to 69 years old for bank account opening, 4.7% to 18% for interest rates and several ways of registering (online, personally drop by at their branch or through phone). Though in terms of withdrawing money, they will charge you a little bit if you withdraw from a machine other than their ATM. It is advisable though to do your banking transactions on any day (you can put your money on your account 24 hours a day) except on Monday nights between 1AM-5AM where they do their maintenance.
Ai for Aiful
Aiful is a combination of all the banks above with a unique perk. For starters, you have to be between 20 to 69 years old to open an account, a stable job is needed, interest rate ranges from 4.5% to 18% and you can register with them through different ways – online, phone, or personally going to their office. What makes them unique though, is that you can choose the date when money flows from your company to your account, the choices are the 5th, 20th and 25th of the month. Talking about getting your finances on a leash you can control.
You can access their website to see how easy it is to find a bank and a package to suit your needs. I am really amused on how these banks incorporate the Japanese culture in doing their business. Banking and access to other financial services are made accessible to all Japanese people of all ages and backgrounds. It is a great leap from the banking days of before.