Kurashiru’s receipt-reward service became accessible through Japan Post Bank’s passbook app on September 15, 2026. Kurashiru detailed the launch on September 17, following the partnership agreement signed in April. Japan Post Bank’s own September 15 notice, updated September 16, confirms the app update and entry point into ReciChalle. [S01][S02]

The banking app provides scale before reward uptake is measured

The bank’s May 15 medium-term plan reports 10.40 million registered app accounts at the end of fiscal 2023 and 16.62 million at the end of fiscal 2025, corresponding to March 2024 and March 2026. This is the scale of an established distribution channel. Neither observation measures take-up of the rewards service introduced the following September. [S03]

The data behind the story

Japan Post Bank passbook app: registered accounts before the launch

Two reported year-end observations for the banking app that distributes ReciChalle.

accounts
Source
Japan Post Bank medium-term plan, May 15, 2026, printed page 17

These are registered bank-app accounts, not unique people, monthly active users or users of the September 2026 rewards integration. Both observations precede the launch; the increase cannot be attributed to it. The separate FY2028 target of 25 million is not an observed result and is excluded.

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Japan Post Bank passbook app: registered accounts before the launch (accounts)
CategoryRegistered accounts
FY2023 year end: March 202410,400,000 accounts
FY2025 year end: March 202616,620,000 accounts

The plan separately describes monthly active users as people who use the app at least once in a month, and says the bank monitors that measure internally. It does not publish an active-user figure in this chart. Its 25 million registered-account objective for fiscal 2028 is a target. Keeping those concepts apart avoids turning an account-registration total into a claim about engagement or successful reward conversion. [S03]

ReciChalle’s wider app rewards activities including eligible receipt submissions and allows accumulated value to be exchanged for other companies’ points, digital gifts and electronic money. The banking integration uses a different settlement route: Kurashiru transfers the reward amount in cash to the customer’s Japan Post Bank account. The bank’s plan and launch notice describe Kurashiru as the external service provider; the launch does not create a new payment-specific points or electronic-money balance in the banking route. [S01][S02][S03]

The bank places the service entry in its app’s lower advertisement area. Customers then use ReciChalle to submit eligible purchase receipts. The bank directs service questions to Kurashiru. A September 28 Business Insider Japan report, based on interviews and the launch presentation, separately explains that the partners aim to encourage app and account use; that aim is not a reported post-launch outcome. [S02][S04]

Kurashiru advertised a 1.3-times reward promotion for September 17-30. That launch offer has ended and is not the continuing reward rate. The announcement also cites more than 15 million cumulative ReciChalle downloads. Downloads are a separate measure from bank accounts and active users, so they are not combined with the chart or treated as adoption of the integration. [S01]

For the rewards business, the partnership adds a banking-app distribution route alongside manufacturers and retailers. The reviewed launch sources do not disclose the number of customers who used this route, receipt volumes or total cash paid through it. Business Insider reports that the partners share fees, but supplies no contractual percentage or amount; neither distribution scale nor the announced commercial aims establish those results. [S01][S02][S04]