天眼评分
NPB
https://www.hokuyobank.co.jp/ir/english/
官方网址
评分指数
影响力
影响力
B
影响力指数 NO.1
联系方式
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官网鉴定
hokuyobank.co.jp
103.4.43.32服务器所在地日本
备案号--主要访问国家/地区--域名创建时间--网站名称WHOIS.JPRS.JP所属公司-
公司简介
| NPB 评论摘要 | |
| 成立时间 | 1917 |
| 注册国家/地区 | 日本 |
| 监管 | 未受监管 |
| 产品和服务 | 储蓄账户、贷款、保险、投资信托、外汇交易所 |
| 模拟账户 | ❌ |
| 交易平台 | 北太平洋银行应用、互联网投资信托直达 |
| 客户支持 | 挂失卡中心:0570-079-456(全天候) |
| 资产管理支持:0120-824-014(工作日 9:00–17:00) | |
| NISA咨询:0120-213-505(工作日 9:00–19:30;周末 10:00–16:00) | |
| 外汇帮助台:011-261-1328(工作日 9:00–17:00) | |
| 贷款咨询:0120-608-552(工作日 9:00–17:00) | |
| 信用卡:0570-019-680(工作日 9:00–17:00) | |
| 网上银行:0120-161-697 或 011-290-6833(工作日 9:00–17:00) | |
NPB 信息
成立于1917年,位于日本的北太平洋银行是一家传统的地区性银行。该银行未受监管,不提供外汇、差价合约或加密货币交易。其服务主要集中在存款、贷款、保险和外币账户方面。

优缺点
| 优点 | 缺点 |
| 提供广泛的个人和零售银行产品 | 不是交易或投资的持牌经纪商 |
| 在日本有实体存在,历史悠久 | 国际汇款和外汇服务费用高手续费 |
| 移动银行和互惠基金投资渠道 | 没有交易账户或模拟/伊斯兰账户选项 |
NPB 是否合法?
NPB(北太平洋银行有限公司或任何使用“NPB”作为交易平台名称的关联实体)不是受控经纪商。尽管在日本注册,但并未获得日本金融厅(FSA)的合法许可或许可,这是日本的国家金融监管机构。

WHOIS记录显示hokuyobank.co.jp域名于2000年11月15日注册,目前处于活动状态;最近的更新记录为2024年12月1日。该域名属于北太平洋银行有限公司,是一家合法的日本银行。

产品和服务
North Pacific Bank提供广泛的传统银行和金融服务。它不提供CFD或加密货币等两种投机交易工具。另一方面,它的产品主要集中在保险服务、贷款、投资信托和银行业务上。
| 产品/服务类型 | 提供 |
| 储蓄和存款账户 | ✅ |
| 贷款(抵押贷款、汽车贷款等) | ✅ |
| 投资信托(共同基金) | ✅ |
| 保险 | ✅ |
| 外汇服务 | ✅ |
| 证券/股票交易 | ❌ |
| CFD/加密货币 | ❌ |
| 退休金和养老金计划 | ✅ |
| ATM和网上银行 | ✅ |

账户类型
North Pacific Bank提供多种类型的存款,旨在满足教育、婚姻或监护等特定生活需求。这些不是交易账户,银行不提供模拟或伊斯兰账户,因为该银行是传统金融机构,而不是交易平台。
| 账户类型 | 描述 | 适用对象 |
| 一般账户(定期存款) | 标准以日元计价的储蓄/存款账户 | 一般个人银行用户 |
| 教育捐赠存款(Yell) | 旨在用于教育相关赠与的税收优惠存款 | 为教育存款的父母或监护人 |
| 婚姻和育儿礼物存款(Happy Yell) | 旨在用于婚姻或育儿相关资金赠与 | 计划生活事件的家庭 |
| 监护制度支持存款 | 与法定监护和资产管理需求一致的账户 | 老年护理或家庭法定监护人 |
| 网上账户(在线设置) | 基于互联网的一般存款账户 | 偏好远程访问的客户 |

NPB 费用
NPB 不像传统的在线外汇或差价合约经纪商那样运营,其费用结构围绕外币交易所和银行服务展开。与行业标准的交易平台相比,其手续费相对较高,特别是针对国际汇款和货币兑换。
| 货币对 | 卖出价(T.T.S.) | 买入价(T.T.B.) | 点差(TTS - TTB) |
| USD/JPY | 143.57 | 141.57 | 2 |
| EUR/JPY | 163.64 | 160.64 | 3 |
| GBP/JPY | 194.99 | 186.99 | 8 |
| AUD/JPY | 92.94 | 88.94 | 4 |
| NZD/JPY | 86.5 | 82.5 | 4 |
| CHF/JPY | 173.8 | 172 | 1.8 |
| CAD/JPY | 104.65 | 101.45 | 3.2 |

非交易费用
| 非交易费用类型 | 费用详情 |
| 存款费 | ¥1,500(入款汇款处理)+ 提款费(最低¥2,500) |
| 取款费 | ¥7,500 用于国际电汇;可能还会收取提款费 |
| 不活跃费 | 未披露 |
| 出款汇款查询费 | ¥5,000 |
| 更改/撤销费 | ¥5,000 每次请求 |
| 提款费(出境) | 汇款金额的1/20%(最低¥2,500) |
| 提款费(入境) | 收到金额的1/20%(最低¥2,500) |
| 付款银行费(可选) | ¥3,000 |
交易平台
| 交易平台 | 支持 | 可用设备 | 适合何种交易者 |
| 北太平洋银行应用 | ✔ | iOS,Android(智能手机) | 日常银行业务和移动用户管理个人财务 |
| 互联网投资信托直达 | ✔ | Web浏览器 | 使用在线访问进行共同/投资信托的投资者 |
| MetaTrader 4(MT4) | ❌ | – | 不支持 |
| MetaTrader 5(MT5) | ❌ | – | 不支持 |

企业画像
- 5-10年
- 监管牌照存疑
- 高级风险隐患
Wiki问答
Does NPB offer a demo account?
NPB does not offer a demo account, which is a critical tool for traders who want to practice and refine their strategies before committing real funds. Since NPB does not focus on forex trading or active investment, there is no option to open a demo account for testing their systems. For me, the absence of a demo account makes NPB unsuitable for anyone interested in learning trading or testing their strategies without risk.
How long does a withdrawal take at NPB?
NPB's withdrawal process, particularly for international wire transfers, can be slow. The withdrawal fee for international wire transfers is ¥7,500, and the process could take several business days to complete. As someone who needs to move funds quickly, this delay would be a major inconvenience for me. Additionally, the high withdrawal fees make it less attractive for anyone who regularly needs to access their funds from a trading account. If quick withdrawals are a priority, NPB’s system would not be ideal, especially when I compare it to brokers with faster and cheaper withdrawal processes.
What is the minimum deposit for opening an account at NPB?
North Pacific Bank does not provide information on a minimum deposit requirement for its accounts, as it focuses on personal banking services rather than trading services. The minimum deposit for savings accounts or investment trusts is likely to vary based on the product. However, since NPB does not cater to active traders or forex accounts, I would not expect a minimum deposit related to trading. If I were looking for forex trading services, NPB would not meet my needs, as they do not offer trading accounts with specific deposit requirements.
What is the spread for currency exchange with NPB?
NPB’s currency exchange spreads are relatively wide compared to what I would expect from a dedicated forex broker. For example, the spread on USD/JPY is 2 pips, and on EUR/JPY, it’s 3 pips. These spreads are significant when compared to other brokers that offer narrower spreads, especially for active traders like me who depend on low transaction costs. Additionally, since NPB does not provide a trading platform with npb login for active traders, the platform is geared more toward banking and investment trusts, where spreads are typically higher. The lack of competitive pricing in the forex market would make me look elsewhere for a broker with tighter spreads and better overall pricing for active trading.
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