みずほ銀行　みずほダイレクトアプリ vVARY

No need to go to the bank or ATM. Easily access your account anywhere, anytime.

Transfers
Balance Inquiry
Utility & Tax Payments
Monthly Income & Expenditure Graph
Asset Management

Learn more
https://www.mizuhobank.co.jp/retail/mizuhoapp/bankingapp/index.html

Table of Contents
■① Four Key Points
■② Usage Process
■③ Important Notes
■④ Card Loan Usage

■① Four Key Points About the Mizuho Direct App

1) Convenient, Safe, and Secure Authentication Method.

Authentication upon launching the app uses smooth and secure biometric authentication. Even for transfers and other transactions, authentication is secure, with a password that changes with each login.

2) Check your transaction history at your fingertips.

Check your transaction history, including deposits, withdrawals, and transfers, anytime, anywhere.
Smooth and effortless, unlike a paper passbook.

3) Easily understand your monthly income and expenses with graphs.

You can easily see your monthly deposit and withdrawal balance at a glance, making money management a breeze.

The graphs make it easy to understand, so you can check them immediately.

4) Easily make monthly transfers at your fingertips.

Easily transfer rent, remittances, and other payments anytime, anywhere. It also supports payments for various taxes and utility bills.

■② Usage Process

1) What you need to prepare

- Primary account branch number and account number
- Primary PIN number
(This is the 4-digit number you set when you applied for Mizuho Direct)

2) Initial Registration Process

- Download and launch the app
- Follow the on-screen instructions
- Enter your customer information (verify your identity)
- Complete SMS authentication
- Complete login settings
- Set up an app password/biometric authentication

Get started!

*Please check the compatible devices on the Mizuho Bank website (https://www.mizuhobank.co.jp/retail/mizuhoapp/bankingapp/index.html).
*If you use this service on a smartphone or tablet device that is not compatible with this app, you may experience typographical errors or omissions in displayed information, inability to submit transaction requests, and other issues that may interfere with your use of the service.
*Even if your device is compatible with this app, the app may not function properly and you may not be able to use it depending on the smartphone's usage conditions.

■③ Important Notes

- If your smartphone has been illegally modified, this app may not launch or operate properly.

- To use this app, you must enable "JavaScript" and "Accept cookies."

- Beware of malicious apps and programs that imitate this app.

- Because this app has a transaction function, please pay close attention to security and keep your smartphone and login password secure.

- Downloading and using this app incurs separate communication charges, which are the responsibility of the customer.

- Never use an access point from an unknown source.

- To protect your personal information, please take special care to prevent your smartphone from being lost or stolen, and keep all devices secure, such as by setting a passcode.

■④ About Card Loans

1) Minimum and Maximum Repayment Periods

You can repay the loan as soon as the same day.

Please note that this is not a financial product that requires full repayment within 60 days.

2) Effective Annual Rate

2.0% - 14.0% per year

3) Example of Card Loan Total Costs

Credit Line Limit: 1,000,000 yen
Loan Amount: 100,000 yen
Effective Interest Rate: 12.5% ​​per year
Repayments: 69 installments
Total Repayments: 139,013 yen
*The above figures are for reference only. Actual amounts may differ depending on your transaction status.

4) Privacy Policy

https://www.mizuhobank.co.jp/privacy/privacy_policy.html

(As of December 23, 2025)