LaosJDB Bank is one of the private banks in Laos with the most diverse range of products. This page provides an overview of the services that are particularly relevant for residents of Japan looking to open an overseas account.
1. Deposit Products (Individuals)
Saving Account
This is a checking account that supports the four major currencies: Lao Kip (LAK), USD, THB, and CNY. It can be linked to a debit card for use at ATMs, in stores, and for online payments.
Fixed Deposit Account
As of May 2026, the official interest rates (individual, annual) published by JDB Bank are as follows.
| Term | USD | THB | LAK | CNY |
|---|---|---|---|---|
| 3 months | 2.00% | 2.00% | 3.16% | 1.20% |
| 6 months | 3.00% | 3.00% | 3.95% | 1.50% |
| 12 months | 6.00% | 6.00% | 10.00% | 4.00% |
| 24 months | 6.50% | 6.50% | 11.00% | 4.25% |
| 36 months | 7.25% | 6.75% | 11.25% | 4.50% |
| 48 months | 7.50% | 7.50% | 11.50% | 4.75% |
* The above are the published interest rates for individual customers as of May 21, 2026, on the official website of JDB Bank (jdbbank.com.la). Please be sure to confirm the actual terms and conditions, minimum deposit amount, and early withdrawal policies at the time of contract. Interest rates are subject to change without notice due to economic conditions and the policies of the Lao National Bank.
2. Cross-border Remittance
- SWIFT Remittance (JDB BIC: JDBKLALAXXX): Direct remittances are available from major Japanese banks and online banks.
- MoneyGram: Supports small-amount and person-to-person transfers.
- JDB Account-to-Account / Interbank / NPS: Domestic transfers within Laos.
3. Debit Cards
We can issue Visa and UnionPay debit cards. Our main product lineup is as follows.
- Visa Debit Contactless (supports contactless payments)
- Visa Silver Card
- Visa Gold Card
- Visa Champa Super Gold
- UnionPay Debit / Gold / Platinum
The application form provided by our center (through our partnership) is for a card with Visa Debit functionality. It can be used at Visa merchants and ATMs worldwide.
4. Mobile Banking "JDB Yes"
JDB This is the bank’s official mobile app. It supports balance inquiries, money transfers, QR code payments (LaoQR), and utility bill payments.
Information on Account Opening Support for Laos JDB Bank
This website is an information portal operated in partnership with our center’s affiliated support desk, which provides assistance for opening JDB bank accounts in Japan. We offer support in Japanese for everything from document preparation and local arrangements to tax considerations.
Consult for free about opening an account →
* Please note that our center provides information and document support regarding JDB Bank, but does not act as an agent or intermediary for banking operations (as defined by the Banking Act). Actual account opening is handled directly by JDB Bank (via our center’s application form).
