Startup
SSmartBank
株式会社スマートバンク
#61 in the Japan Top 100 Startups
| Founded / HQ | 2019 · Tokyo |
|---|---|
| Equity raised to date | ¥7.33B “累積調達金額は約73.3億円” Company-stated cumulative · as of 16 Jan 2025 · SmartBank |
| Last round | 16 Jan 2025 · Series B (second close) · Undisclosed undisclosed |
| Latest public valuation | Not publicly disclosed (we do not estimate) |
| Unicorn | No |
| Website | smartbank.co.jp |
From Japanese sources
Findings from Japanese-language filings, government records, trade press, interviews and job posts, with our English analysis. Items tagged Japanese-only had no English coverage when we checked quickly. Most insightful first.
| 2025-06-12 | Regulatory filingJapanese-onlySmartBank (One Bank) FY3/2024: loss ¥826M; ¥5.9B assets mostly customer prepaid balances 株式会社スマートバンク 第5期決算 当期純利益 ▲826百万円 The FRIL founders' family-finance app showed ¥5.9B in assets against ¥4.8B in liabilities, much of it probably prepaid-card balances. Net assets of only ¥1.1B after an ¥826M loss explain the 2025 fundraising. Source: 決算公告データ倉庫 (statutory notice analysis) |
|---|
Overview
SmartBank runs B/43, a household budgeting app paired with a prepaid Visa card, and is adding generative AI so the app helps users improve their finances. It was founded in 2019 by Shota Horii. Its Series B closed in two parts, ¥4.08B in November 2024 (¥2.93B equity plus ¥1.15B debt) and about ¥0.25B in January 2025, bringing cumulative funding to about ¥7.33B.
Built from: Series B 1st close · Company page
Company timeline
Founded
| Date | 2019-04-09· SmartBank company page |
|---|---|
| Founders | Shota Horii |
Funding
| Date | Round | Amount | Lead / key investors | Source |
|---|---|---|---|---|
| 2022-07-13 | Series A | ¥2B 20億円 | PR TIMES | |
| 2024-04-24 | Debt | ¥1.15B 総額11.5億円 | PR TIMES | |
| 2024-11-12 | Series B (1st close) | ¥4.08B (¥2.93B equity + ¥1.15B debt); cumulative ¥7.08B 40.8億円 | Company release | |
| 2025-01-16 | Series B (2nd close) | ≈¥0.25B; cumulative ≈¥7.33B 累積調達金額は約73.3億円 | PR TIMES |
Key hires & board
None compiled yet.
Milestones
| 2026-07-15 | Partnership67% of joint-wallet users are in their twenties· PR TIMES |
|---|---|
| 2026-09-08 | PartnershipOneBank invoice card payment with Orient Corporation· PR TIMES |
| 2026-09-30 | ProductOneBank launches interest-like "Moraeru Pocket"· PR TIMES |
News
| 2026-10-16 | OneBank invoice factoring now 24/7 個人事業主向けサービス「ワンバンク請求書買取」、年中無休・24時間送金に対応。審査通過後は最短10分で入金· PR TIMES |
|---|---|
| 2026-10-06 | # PressRelease # PressRelease· SmartBank |
| 2026-10-06 | OneBank web ad with the Takao brothers 【ワンバンク】「高尾兄弟」がWebCM初出演――高尾颯斗（ONE N’ ONLY）と 高尾楓弥（BUDDiiS）の実兄弟を起用したWebCMを10月6日（火）から公開！· PR TIMES |
| 2026-10-01 | # PressRelease # PressRelease· SmartBank |
| 2026-09-30 | OneBank launches interest-like "Moraeru Pocket" ワンバンク、お金を置いておくだけで残高がもらえる「もらえるポケット」を正式公開。半年間、還元率が全員一律で年2.5%相当に！· PR TIMES |
| 2026-09-17 | # PressRelease # PressRelease· SmartBank |
| 2026-09-17 | OneBank supports petrol-station payments シルバーウィークのおでかけにも！家計管理アプリ「ワンバンク」がガソリンスタンドでの支払いに対応· PR TIMES |
| 2026-09-16 | # PressRelease # PressRelease· SmartBank |
| 2026-09-16 | Gold sponsor of Kaigi on Rails 2026 スマートバンク、Kaigi on Rails 2026 に Gold Sponsorとして協賛· PR TIMES |
| 2026-09-09 | # PressRelease # PressRelease· SmartBank |
| 2026-09-08 | OneBank invoice card payment with Orient Corporation スマートバンク、オリエントコーポレーションとの事業提携により「ワンバンク請求書カード払い」を提供開始· PR TIMES |
| 2026-09-07 | Bronze sponsor of Go Conference 2026 スマートバンク、Go Conference 2026 にブロンズスポンサーとして協賛· PR TIMES |
| 2026-08-31 | Dual-income couples money survey: solutions 【共働き夫婦の「お金のホンネ」調査：解決編】 結婚前の「お金の話し合い」の有無で、毎月の夫婦の貯蓄額に約2.8万円の差。 生活費の負担割合における「納得感」の差は約2倍に· PR TIMES |
| 2026-08-17 | Dual-income couples money survey: issues 【共働き夫婦の「お金のホンネ」調査：課題編】共働き夫婦の40.0%が結婚前に「お金の話し合い」をせず。家庭を悩ませる「じぶんファースト支出」の実態· PR TIMES |
| 2026-08-06 | OneBank invoice factoring 365 days a year お盆も土日祝も、個人事業主の資金繰りをサポート。「ワンバンク請求書買取」が365日の審査・入金に対応· PR TIMES |
| 2026-07-23 | OneBank links with brokerage accounts 共働き・NISA利用者増加を背景に、「ワンバンク」が証券口座連携に対応· PR TIMES |
| 2026-07-15 | 67% of joint-wallet users are in their twenties キャッシュレス時代の”共同財布”、利用者の67%が20代。交際中からふたりで共同口座を持つ時代へ· PR TIMES |
| 2026-06-24 | Logo sponsor of SRE NEXT 2026 スマートバンク、SRE NEXT 2026 に Logo Sponsorとして協賛· PR TIMES |
| 2025-01-16 | Series B (2nd close): ≈¥0.25B; cumulative ≈¥7.33B· PR TIMES |
| 2024-11-12 | Series B (1st close): ¥4.08B (¥2.93B equity + ¥1.15B debt); cumulative ¥7.08B· Company release |
Founder profiles: Shota Horii
Funding rounds in 2026
No 2026 rounds in our database yet. Earlier funding is summarised above from the cited source.