SMBC (loans) vs MUFG Bank (loans): which is better? Comparison 2026

By our public methodology SMBC (loans) scores 90 out of 100 and MUFG Bank (loans) scores 89. Below: the factors and facts where they differ, each fact with its source.

Personal loans in Japan 2026: licensed banks ranked How we rank

1

SMBC (loans)

90/100
2

MUFG Bank (loans)

89/100

Score breakdown

SMBC (loans)MUFG Bank (loans)
Licence100100
Transparency80100
Cost10075
Service6557

Pros and cons

SMBC (loans)

  • Long licence history
  • Published rate below the country reference
  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • A charge can apply to early repayment

MUFG Bank (loans)

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • Publishes how to complain

Facts side by side

FactSMBC (loans)MUFG Bank (loans)
Licensed since1996 smfg.co.jp1919 bk.mufg.jp
Licensed by the regulatorYes fsa.go.jpYes fsa.go.jp
Published rate, % of country reference47% smbc.co.jp100% bk.mufg.jp
Free early repaymentNo smbc.co.jpYes bk.mufg.jp
No arrangement feeYes smbc.co.jpYes bk.mufg.jp
Fees or terms publishedYes smbc.co.jpYes bk.mufg.jp
Complaints procedureYes smbc.co.jpYes bk.mufg.jp
Online application for new customersYes smbc.co.jpYes bk.mufg.jp
Support hours a week45 h smbc.co.jp84 h bk.mufg.jp
Maximum amount, % of country reference38% smbc.co.jp100% bk.mufg.jp
Longest term120 mo smbc.co.jpNot verified

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