Rakuten Europe Bank

The Merchant Empowering Bank

A passion for SMEs

Small and medium-sized enterprises (SMEs) and entrepreneurs are crucial for tracing new paths to more sustainable growth. They are the backbone of the European economy, thanks to their role in developing and diffusing innovation and providing employment.

SMEs generate 67% of jobs in the European Union.

Often described as the lifeblood of our societies, SMEs fail, in most cases, to receive appropriate focus from their traditional banks.

We understand the business of selling online

Rakuten Europe Bank is a wholly-owned subsidiary of Rakuten, the giant Japanese ecommerce company that has been dealing with thousands of merchants over the last decade.

Making our merchants grow and succeed has always been the cornerstone of our high-touch approach of the market place business.

We endeavour to address the financial needs of the e-retailers

We are fully aware of the seasonality of e-retailing and understand the resulting treasury swings that sometimes hurt e-retailers badly.
Rakuten Europe Bank is regulated in Luxembourg and committed to provide targeted financial services to online merchants.

Our products


Rakuten Europe Bank is currently offering deposit products only to existing Rakuten merchants and members (PriceMinister and Rakuten Deutschland merchants).

We offer savings account for flexibility and do not charge negative interest rates!
We also offer various term deposits options if you have more visibility on your cash flows and wish to take advantage of more advantageous rates.

For non-Rakuten account holders, please contact us if you wish to make a deposit. We will be glad to offer you a bespoke deposit option starting from 25K€.

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Term deposits

Pick the term that suits you best from 3 or 6 months and enjoy competitive rates fixed for the duration of the term. The longer you leave your money with Rakuten Europe Bank, the higher the interest rate will be.

It is hassle-free: we will automatically roll-over1 your deposit at the maturity date and capitalize your interest for greater revenue build-up.
You are obviously free to let us know if you want to terminate; interest obtained from completed terms are yours in all cases.

Should you wish to withdraw before the term, we will return your principal deposit but the interest for the incomplete period will be lost.

More details
  • Full transparency: fixed rated, fixe term, you choose!
  • Capital fully guaranteed
  • You can open as many term deposits accounts as you wish ( within the limits of min 1K€ and max 100K€ per deposit)
  • Deposits should be made by electronic transfer from your corporate account in another bank in Europe
  • Additional funds can only be added whilst the deposit window is open
  • No withdrawals or transfers are allowed until maturity without foregoing the accrued interests for the period
  • 3 months terms deposits can be rolled over up to 3 times for the same term. 6 months deposits can only be automatically rolled-over once.
  • Once the deposit window has closed, we can’t accept any further deposits on the same contract
Terms & conditions

1 Limitations apply : up to 3 times for 3 months term deposits and only one more additional period for 6 months deposits.

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Saving accounts

Savings account let you conveniently avoid the negative interest rates prevailing on the market.

They provide flexibility to e-retailers having a surplus of cash but limited visibility on their treasury swings.

More details
  • No set term
  • Capital fully guaranteed
  • Low minimum amount: 1K€
  • No notice to give for occasional withdrawals below 10K€
  • 3 withdrawals free of charge per month
  • Deposits should be made by electronic transfer from your corporate account in another bank in Europe
  • Additional funds can be added anytime from your internet banking account
Terms & conditions
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Rakuten Europe Bank is shortly going to start extending short term unsecured loans to PriceMinister merchants in France and to Rakuten merchants in Germany.

We will propose multiple lending products to give flexibility to our merchants to finance their working capital requirements.

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Rakuten Super Point (RSP)

Rakuten Super Points are the virtual currency of our loyalty programme.
You can earn Super Points by shopping at affiliate stores that are part of our programme.

Once Rakuten Super Points are issued to your account, you can use them to watch series and films in Wuaki and to purchase Viber Out credit for your Viber app.

Super Points have no cash value and may not be redeemed for cash.


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