Rakuten Europe Bank S.A.

Rakuten Europe Bank S.A. is a Luxembourg-incorporated credit institution within Rakuten Group, operating under authorization and prudential supervision of the Commission de Surveillance du Secteur Financier and subject to EU banking rules under the Single Supervisory Mechanism. The bank focuses on payments and cash management functions that support Rakuten’s European operations and selected business clients, rather than offering a broad retail product suite to the general public. Services typically center on EU/EEA cross-border banking passported from Luxembourg, including SEPA payment capabilities and corporate settlement accounts, delivered through business relationships and digital channels without a traditional branch network. Deposits, where applicable, are covered by Luxembourg’s deposit guarantee scheme (FGDL) up to €100,000 per depositor, per institution, in line with EU law. Pricing is contract-based and varies by client profile and service scope, and eligibility and onboarding are subject to standard AML/KYC and PSD2 requirements. The bank publishes statutory financial statements and prudential disclosures (e.g., Pillar 3) and is subject to resolution and recovery frameworks applicable in Luxembourg and the euro area. Prospective counterparties should note the business-to-business orientation, the limited retail availability, and the reliance on Luxembourg law and supervisory practice for account terms, client protections, and dispute handling.