Earn ANA or JAL Miles with These Direct Banks in Japan
This article introduces Sony Bank and JAL NeoBank—two direct banks in Japan that let you earn ANA or JAL miles through banking transactions. From debit card use to foreign currency deposits and even salary transfers, these virtual banks offer a convenient way to build miles while managing your money. Learn how to open the right account, avoid common setup mistakes, and start earning miles passively. It’s a smart strategy for residents and expats looking to boost their travel rewards in Japan.
If you’re looking to earn airline miles while saving money, your bank account might be the perfect place to start. In Japan, some direct banks—also known as virtual banks—offer mileage accumulation through everyday banking activity.
But first, what exactly is a direct bank?
A direct or virtual bank operates entirely online or by phone, with no physical branches. That means lower overhead, streamlined services, and often, unique reward programs—including airline miles.
Here are two direct banks in Japan that reward you with miles for using their services:
Sony Bank (ANA Mileage Club)
Sony Bank offers ANA Mileage Club members the chance to earn miles through debit card usage and foreign currency transactions. You can also receive bonus miles when signing up for the ANA Sony Bank Wallet. One important note: you must open your account via the Japanese-language website. Using the English site won’t give you access to the ANA-linked account. If you’re not fluent, a browser translator plug-in will help you navigate the process.
JAL NeoBank (SBI Sumishin Net Bank)
JAL NeoBank, operated by SBI Sumishin Net Bank, offers multiple ways to earn JAL miles. You’ll accumulate miles through foreign currency deposits, debit card usage, and even automatic fixed-amount deposits like salaries, pensions, and mortgage payments. It’s a versatile option for those who want to earn miles passively while managing their finances.
If you’re planning to open a new bank account in Japan and want to maximize your travel rewards, these direct banks offer a smart, low-effort way to build up ANA or JAL miles—without stepping into a branch.
In future posts, we’ll walk through:
How to open these accounts step-by-step
Which banking activities earn the most miles
And how to combine banking rewards with shopping points for faster travel redemptions
Your next flight could be just a few transactions away.