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ネット銀行の定期預金が激アツ!1年もの金利が1.25%に!? 高金利ランキングTOP10を発表ン

ここ最近、ネット銀行の金利がじわじわと上昇していることをご存知でしょうか? ひと昔前は年利0.3〜0.5%で「高金利」とされていた時代でしたが、今や1.0%超えの円定期預金も珍しくありません。

今回は、編集部が2025年6月9日時点で独自に調査した、ネット銀行の高金利ランキングTOP3をお届けします!

ネット銀行なら1年定期で最大1.25%も!普通預金も0.5%台へ

2023年ごろまで、大手銀行の普通預金金利はなんと0.001%。100万円を1年預けても利息はたった10円程度(税引後約8円)でした。

ところが2025年6月現在、大手銀行の普通預金金利は0.20%に、1年もの定期預金も0.275%にまで上昇。利息面での環境が大きく変わってきています。

さらに注目したいのがネット銀行。実店舗を持たない分、運営コストが抑えられ、金利やサービス面で大手を上回る魅力があります。ATM手数料無料や、他行への振込手数料無料といった特典も一般的。

現在、多くのネット銀行で普通預金金利は0.20〜0.50%、円定期預金では1年もので0.8〜1.25%と高水準。新規口座開設キャンペーンを活用すれば、さらに好条件の金利を得られる可能性も!

もちろん「ネット銀行って安全なの?」と不安な方もいるかもしれませんが、預金保険制度により、大手銀行と同様に元本1,000万円とその利息までしっかり保護されます。

それでは、気になるランキングTOP3を発表!

第1位【あおぞら銀行BANK支店】

新規口座開設で年利1.25%のスペシャル定期登場!

実店舗もある老舗の「あおぞら銀行」が展開するネット専用の「BANK支店」では、普通預金金利が最大0.50%(100万円まで適用)。ただ預けておくだけでこの利率は驚異的です。

注目は、2025年8月15日まで実施中の「BANK The Giftスペシャル定期」。新規口座開設者限定で、1年もの円定期に年1.25%という破格の金利が適用されます(預入額50万円以上)。

※キャンペーン総額が500億円に達した場合は早期終了の可能性あり

第2位【SBJ銀行】

韓国系でも安心!1年定期で年1.20%+多彩な金利優遇キャンペーン

SBJ銀行は韓国系金融機関ながら、日本の預金保険制度対象で安心感あり。普通預金は条件付きで0.30~0.40%と高めの設定。

1年定期預金「はじめくん」は、新規口座開設者向けに100万円以上の預入で年1.20%を提供(2025年7月31日まで)。

また、同期間中は誰でも申し込める「2025年初夏円定期預金金利優遇キャンペーン」も実施中で、18カ月定期なら1.18%という高水準を実現しています。

第3位【オリックス銀行】

老舗企業の信頼感×ネット専用で年1.20%の高金利!

オリックスグループの「オリックス銀行」も、ネット専用商品「eダイレクト預金」で高金利を提供。

通常の1年もの定期でも0.85%という高めの金利設定ですが、新規口座開設で適用される「優遇金利プログラム」では、なんと1年定期で年利1.20%に!

6カ月で1.00%、5年ものでは1.50%と、期間に応じた優遇が受けられるのも魅力的です(預入は100万円以上/上限1,000万円)。

編集部まとめ:今こそ「預けるだけで増やす」時代へ

ネット銀行を活用すれば、ただお金を預けるだけで驚くほどの利息を受け取ることが可能です。金利上昇の波に乗る今こそ、口座の見直しをする絶好のチャンス!

特に、今回ご紹介したような「新規口座開設キャンペーン」は期限付きのものが多いため、見逃さないように早めのチェックがおすすめです。

家計を少しでも豊かにしたい方は、まずはネット銀行の金利に注目してみてはいかがでしょうか?

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