Joint Development Bank Public Company | Laos
Established in 1989 and set to list on the Lao Stock Exchange in 2025—a company you can trust.
Open a high-interest USD-denominated time deposit account—offering interest rates 100 times higher* than those of Japanese yen time deposits—with confidence, all in Japanese.
* This is a comparative example based on official figures released by JDB Bank as of May 2026 (12-month USD time deposit for individuals at 6.00% per annum) and USD time deposits offered by major Japanese megabanks (approximately 0.05% to 0.10% per annum). Holding and managing overseas accounts involves foreign exchange, country, and tax risks, and there is no guarantee of principal.
Why JDB
Interest rates on 12-month USD time deposits for individuals published by JDB Bank (as of May 2026). Terms range from 3 to 48 months, with an annual interest rate of up to 7.50% (for the 48-month term).
View interest rate details →We issue Visa and UnionPay debit cards. They can be used at ATMs, in stores, and for online payments worldwide. You can also choose from different tiers, including Visa Silver, Gold, and Champa Super Gold.
View our services →You can gather all required documents in Japan and complete the process via mail and online upload. In-person visits are generally not required. Our specialized staff will provide full support in Japanese to assist you with preparing the documents.
View the setup process →Rate Comparison
Reference Comparison of Official Figures Released by Each Bank as of May 2026
* Please be sure to check each bank’s official website for the latest interest rates, minimum deposit amounts, and terms and conditions. Holding and managing overseas accounts involves foreign exchange, country, and tax risks.
How to Apply
Click "Apply Here" on this page and enter your name, contact information, and passport details. The process takes about 10 minutes.
Print, sign, and scan the automatically generated application form PDF (5 pages × 2 copies), then upload it.
Upload a photo of your passport and a selfie showing both you and your passport.
JDB Bank will complete its review within 2 to 6 weeks. Your account number and card will be sent to you via international mail.
Initial costs: Account opening fee of USD 500 + initial deposit of USD 300 (total of approximately USD 800).
Documents
Passport, proof of address, signed application form—you can gather all the necessary documents right here in Japan. Our expert staff will guide you in Japanese through everything from document formats and how to fill them out to determining your FATCA status.
About JDB
Joint Development Bank Public Company is a private bank in Laos established in 1989. With over 30 years of operational experience, the bank institutionalized the continuous disclosure of financial information upon its listing on the Lao Stock Exchange (LSX) in October 2025.
Compare
A Comparison of Laos' Two Largest Banks: Private vs. State-Owned
High Interest Rates in Emerging Markets vs. Stability in Developed Countries
Differences in Account Opening Requirements for Non-Residents
Comparison of USD-Denominated Accounts and Minimum Deposit Requirements
Offshore Comparison Among Countries Where the USD Is in Circulation
Comparison of the Six Major Offshore Banks
News
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Free registration, Japanese support, and a fully mail-based process.
Click here to applyThis center provides information and document support; we do not act as agents or intermediaries for banking transactions (as defined by the Banking Act). Holding and managing overseas accounts involves foreign exchange, country, and tax risks, and there is no guarantee of principal. Please consult a tax accountant or other professional regarding specific investment decisions and tax matters.
