Good morning, it’s まさきん.
While I was looking through the Rakuten Super Sale announcements, a bank campaign showed up alongside them: Rakuten Bank’s campaign for 4,000 points when you open an account and meet the conditions. The fact that it’s tied to the sale caught my attention, so I looked into the conditions.
What type of campaign is this
Going by the campaign types I sorted out before, this one falls under the new-contract perk category.
The 25th-anniversary campaign back in August had a structure where the rebate amount changed depending on how much you used the target services. This time it’s a sale-linked, time-limited offer, and the content is simple: a guaranteed 4,000 points if you meet the conditions.
The conditions: opening an account, a balance requirement, and an entry
There are three conditions for actually receiving the points.
First, you apply to open an account through this campaign page. Second, your yen ordinary deposit balance needs to be at least 70,000 yen as of 23:59 on October 31, 2026.
On top of that, entering the Happy Program before the balance check date is essential too. Receiving the points isn’t automatic either — you need to complete the procedure yourself during the receipt period.
The application window runs from 20:00 on September 4, 2026 to 1:59 on September 11 — about a week, which is short. The deposit deadline is October 31, and the point receipt period runs from December 1 through December 31.
Rakuten Mobile, one of the target 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 looked into it yet, it’s worth checking out too.
Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.
The part that tripped me up a little
The balance condition is based on your balance, not a deposit.
Even if it temporarily goes above 70,000 yen, you’re excluded if it’s back below that on the check date. It’s worth paying attention so this doesn’t clash with the timing of things like your paycheck deposit.
It’s also worth noting that the points you receive are time-limited points. The expiration is 23:59 on January 31, 2027.
The application window being just one week also feels different from a standing campaign. True to a sale-linked promotion, the timeframe is pretty tightly limited.
Things worth checking before you apply
First, whether you applied to open the account through this specific campaign page. Applying through a different route could make you ineligible.
Second, whether you can get your balance to 70,000 yen or more as of 23:59 on October 31, the check date. It’s worth confirming ahead of time whether that clashes with payday or other payment timing.
Don’t forget to check your Happy Program entry status either. If the entry is missing, you won’t meet the conditions.
I felt the same thing when I opened an account in my child’s name — with Rakuten Bank’s perks, the check date and the timing of your procedures really seem to be what matters most. Jotting a note on your calendar might be a good idea for peace of mind.
Summary
This campaign gets you 4,000 points for opening an account, keeping a balance of 70,000 yen or more, and entering the Happy Program. The application window is short, running only through September 11, so if you’re considering it, you may want to decide sooner rather than later.
The conditions and timeframe are subject to change. Please check the official site before deciding to apply.
Using the sale as a trigger to revisit your bank accounts seems like a good opportunity. While I’m at it, I’m thinking about reviewing our family’s phone lines together too.
Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.
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