Good morning, it’s まさきん.
My wife and I had been talking about finally opening an account in her name at Rakuten Bank. Right around that time, I came across Rakuten Bank’s 25th anniversary campaign. Let me break down the conditions.
What kind of campaign is this
Going by the campaign types I sorted out before, this one combines a new-account bonus with a bonus for using other services alongside it.
On top of simply opening a new account, how much you get back also depends on your usage of eligible services. The three services covered are Rakuten Card, Rakuten Securities, and Rakuten Mobile.
The reward comes in three tiers
The payout is split into three tiers depending on how many conditions you meet.
First, opening an account and depositing at least 50,000 yen in a single transaction gets you 3,000 points. If you’re using one of the eligible services, that rises to 5,000 points, and to 7,000 points if you’re using two or more.
So if your family is already using one of these services, just opening the account nets you a bonus on top.
The account-opening application window runs through August 31. The deposit deadline is September 30, and points can be claimed between November 2 and November 30.
Rakuten Mobile, one of the eligible services, is also something you can sign up for through my referral. Switching over gets you up to 14,000 points, so if you haven’t made the move yet, it’s worth a look too.
Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.
A few things that tripped me up
The 50,000 yen deposit apparently needs to be made in one lump sum. The terms note that splitting it across multiple deposits that add up to 50,000 yen won’t count.
Whether you’re using an eligible service is judged based on your status as of September 30. So even signing up for one now should count, as long as you make it in time.
Also, the account needs to be opened through this campaign page. Applying at the same time from one of the eligible services’ own pages apparently disqualifies you.
The points you receive also expire fairly quickly, by the end of December. I’m planning to jot a reminder on my calendar so I don’t forget to use them.
Things worth checking before applying
Enrolling in the Happy Program is also a required condition, and it needs to be done by the deposit deadline. Registering the Rakuten membership link apparently takes about two to three days.
Getting that done early might be the safer bet.
Another thing worth checking is your member ID for Rakuten Card, Rakuten Securities, and Rakuten Mobile. Whether it matches the ID tied to the bank account you’re opening is what determines eligibility.
If you’re using a family card, the registered ID can sometimes end up mismatched. And the points aren’t credited automatically — you need to go through the claim process yourself during the receiving period.
I felt the same way when I opened an account in my child’s name — with Rakuten Bank’s perks, it pays to get in the habit of carefully checking the fine print on the procedures.
Wrapping up
This campaign, in short, gives you 3,000 points for opening an account and depositing at least 50,000 yen. Depending on which eligible services you’re using, that can climb as high as 7,000 points.
For families opening a new account, the timing on this one might work out nicely.
Conditions and the campaign period are subject to change, so be sure to check the official site before applying.
I’m thinking of going ahead and opening that account in my wife’s name around this time too. Moving our family’s accounts over to the Rakuten ecosystem one by one feels like it’s making things easier to manage overall.
Along the same lines, I’m also going to take another look at whether we can consolidate the family’s mobile lines we haven’t gotten around to yet.
Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.
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