Matsui Securities Account Opening Guide: The Truth About Free Commissions and Who It’s Best For [2026 Update]

Verification Status: This article is based on publicly available information (no actual usage or trading by the editorial team).

"Maybe I lost money on fees again..." Ken Tanaka (28, IT company employee) sighed as he closed his phone. He had decided to start a monthly investment plan of 30,000 yen, but the fee structures of brokerage firms were so complex that he couldn't figure out which one to choose. He wanted to avoid having his profits eaten away by fees, especially on small trades. What caught his eye was a casual remark from a friend: "I heard that with Matsui Securities, trades up to 500,000 yen per day are commission-free."

Matsui Securities is a brokerage firm best suited for individual investors who primarily make small trades of up to 500,000 yen per day, younger investors aged 25 and under, and beginners who need extensive phone support.

The Shock of "Zero Commission Up to ¥500,000 Per Day"—Why Matsui Securities Stands Out

Image source: matsui.co.jp (Official Website) — Cited for identification of the reviewed entity

Prompted by a friend's comment, Tanaka began looking into Matsui Securities' fee structure. What he found was a surprisingly simple system called the "Box Rate."

For domestic stock cash trading at Matsui Securities, commissions are ¥0 for total daily transaction values up to ¥500,000. The design is clear: ¥1,100 (tax included) for amounts exceeding ¥500,000 up to ¥1 million, and ¥2,200 (tax included) up to ¥2 million, with ¥1,100 added for every ¥1 million increment. For an investor like Tanaka, who is considering a monthly ¥30,000 investment plan, the ¥500,000 daily free allowance offers more than enough room.

Another standout feature is the complete fee waiver for investors aged 25 and under. If you're 25 or younger, you pay no domestic stock trading commissions regardless of the transaction amount. For young people just starting to invest—students or new graduates—this is a major advantage.

Reviews on multiple comparison sites also rate this fee structure highly. One forex comparison site notes, "The ¥500,000 daily free commission is a real lifesaver. I don't have to worry about the cost of small trades." Another investment information platform features positive feedback from younger users, such as, "Free commissions for those under 25 is great for students. It made it easy to get started."

While other major online brokerages also offer commission-free allowances, Matsui Securities' Box Rate stands out for its simplicity. The tiered fee structure is clear and eliminates the common beginner's fear of "realizing commissions have piled up." Tanaka was strongly drawn to this straightforward approach.

Investment Trusts and NISA Are Both Advantageous – Leveraging Point Rewards and Tax-Free Systems

After feeling satisfied with the low fees, Mr. Tanaka next looked into the costs of investment trusts. This is because investment trusts are an essential option for his monthly ¥30,000 savings plan. Here too, Matsui Securities offers a system that long-term investors cannot overlook.

Up to 1% of Matsui Securities points are rewarded based on the balance of investment trusts held. This point reward applies to all funds and is rated as the highest in the industry. The reward rate increases as the held balance grows, designed so that the longer you hold, the greater the benefit. Accumulated points can be exchanged for Amazon gift certificates, leading to effective cost reductions.

On one investment information site, a review states, "The investment trust balance point service makes a difference with long-term holding. The maximum 1% is attractive." While steadily building up savings each month, the point reward rate also rises as the held balance increases—this system seems well-suited to Mr. Tanaka's style, which is based on long-term investment.

Additionally, trading fees in NISA accounts are free for domestic stocks, US stocks, and investment trusts—a point not to be missed. It supports both the Tsumitate Investment and Growth Investment frameworks, providing an environment that maximizes the benefits of tax exemption. On another comparison site, there are comments like, "Free fees in NISA accounts are a blessing. The lineup of investment trusts is also extensive," allowing users to choose suitable funds from over 1,800 investment trust options.

The minimum investment amount for investment trusts is ¥100. Since you can start building savings with small amounts, the barrier is low for beginners like Mr. Tanaka who want to "start small first." On the other hand, regarding credit card savings, while support for JCB cards began in 2025, it is worth honestly noting that point rewards are limited compared to other companies. If maximizing point rewards from credit card savings is a top priority, there is room to consider other options.

Peace of Mind for Beginners: Phone Support and Consultation Services Available on Weekends and Holidays

You’ve grasped the appeal of fees and points. But Tanaka still had lingering doubts: “Can I really manage this on my own? Is there somewhere I can turn to for advice when I’m stuck?”

Matsui Securities offers a free phone consultation service called the Stock Trading Consultation Desk. Specialized staff can help with stock selection and trading timing, and they can even provide operational support using screen-sharing features. What stands out is that this phone support is available on weekends and holidays. For office workers busy on weekdays, having the chance to consult thoroughly over the weekend is reassuring.

On one NISA comparison site, a review noted, “The phone support is available on weekends, so even beginners can consult with peace of mind.” Matsui Securities has also earned high marks in the Oricon Customer Satisfaction Survey and the JCSI (Japanese Customer Satisfaction Index), with objective metrics backing up the quality of its support.

Additionally, there is a wealth of seminars and video content for beginners. From basic investment knowledge to practical techniques, the environment allows you to learn at your own pace. So even if you’re like Tanaka and “don’t know where to start,” you can move forward step by step.

And let’s address a concern many beginners have: “solicitation.” Multiple review sites confirm numerous comments like “no solicitation.” While Matsui Securities offers robust phone support, it does not engage in aggressive sales calls or persistent solicitation. You get the support you need when you need it—that balance is what gives beginners peace of mind.

Matsui Securities vs. Major Online Brokers—A Thorough Comparison of Fees, Products, and Support

So far, the research has clearly conveyed the appeal of Matsui Securities. But Tanaka is cautious. "Compared to other brokerages, is it really the right fit for me?" He began comparing Matsui Securities with major online brokers.

What emerges from this comparison is Matsui Securities' clear positioning. Cost-effectiveness for small-volume trades, preferential treatment for younger investors, and robust phone support—if these three factors are a priority, Matsui Securities stands out as a top choice. On the other hand, for those who want to maximize credit card accumulation point rebates, actively invest in foreign stocks beyond US stocks, or focus on large-volume trades, SBI Securities, Rakuten Securities, or Monex Securities may be more suitable.

One key point to note is that for trades exceeding ¥500,000 per day, Matsui Securities' fees may be higher than those of competitors. A few reviews on multiple user feedback sites confirm that "for large trades, fees are relatively high. Other brokers may be cheaper." Calmly assessing your own trading style is the key to choosing the optimal brokerage.

Tanaka reflected on his own investment style. Monthly ¥30,000 accumulation investments, starting small, and support available when he runs into trouble—Matsui Securities' strengths align perfectly with his needs.

Real Reputation from Reviews: An Honest Look at the Pros and Cons

After comparing options, Tanaka's expectations for Matsui Securities grew. However, there was one last thing he absolutely had to check: the real voices of actual users.

An analysis of 57 reviews compiled by a business media outlet shows that 56% are positive, 20% are neutral, and 24% are negative. Over half of the reviews are favorable, indicating a generally high level of satisfaction.

The standout positive points are, as expected, low fees and support quality.

"The zero commission for up to 500,000 yen per day is a real lifesaver. I don't have to worry about costs for small trades."

"Phone support is available on weekends too, so even beginners can consult with peace of mind."

"The system is stable, and orders go through smoothly. There's very little downtime."

System stability is another theme praised across multiple reviews. Reliability that ensures you don't miss trading opportunities is a crucial factor for investors.

On the other hand, the main concerns raised are the following three points:

"If only the smartphone app were a bit more user-friendly... It can't use the PC version's features."

"There aren't many foreign stocks besides US stocks, so it's lacking for global diversification."

"For large trades, the fees become relatively high. Other brokers can be cheaper in some cases."

Regarding the smartphone app, some users point out that certain features from the PC version are difficult to use on the app. However, the app is continuously being improved, so future updates can be expected. The limited selection of foreign stocks is less of an issue for those focusing on US market-centered diversification, as US stock trading is supported. The cost of large trades is not a direct drawback for small-scale investors like Tanaka.

Looking at the overall picture of the reviews, it's clear that Matsui Securities enjoys strong support from the "small-scale, beginner, support-focused" segment. Conversely, it receives somewhat harsher criticism from the "large-scale, diverse product, app-first" segment. Understanding this distinction is key to choosing a securities firm you won't regret.

From Account Opening to Trading – Complete in a Day via Smartphone

After finishing his research, Tanaka finally made his decision: open an account with Matsui Securities. The process is surprisingly simple and can be completed entirely on a smartphone.

Step 1: Apply for Account Opening via the Official Website (About 5 Minutes) Access the official website and fill in the required information. Just register basic details like your name, address, and contact information, and the first step is done.

Step 2: Take Photos of Your ID and Face, Upload My Number Verification Documents Use your smartphone camera to take photos of your identification document (such as a driver's license or My Number card) and your face, then upload them along with your My Number verification documents. Since eKYC (electronic identity verification) is supported, there's no need for mailing.

Step 3: Set Your Trading PIN and Password Follow the instructions in the confirmation email to set your trading PIN and password. Choose something that ensures security while being easy for you to remember.

Step 4: After Account Opening, Deposit Funds and Start Trading Once the review is complete, your account can be opened as soon as the same day. Then, simply deposit funds from your bank account and start trading. Setting up automatic investment plans for mutual funds is also easy by following the on-screen instructions.

Account opening is free, and there are no maintenance fees. Before you start trading, you can test the trading tools or browse the lineup of mutual funds at your leisure. It's a low-risk step you can always walk back from—so it's worth giving it a try.

So, Is Matsui Securities Right for You? A Diagnosis Based on Your Investment Style

Ken Tanaka decided to open an account with Matsui Securities. He plans to start with a monthly investment of ¥30,000 in a cumulative investment plan, and once he gets comfortable, he'll try his hand at small-scale domestic stock trading. Low fees, robust support, and tax-free investing through NISA—Matsui Securities truly matched his needs.

So, is Matsui Securities the best choice for you? Based on an analysis of publicly available information, here's a clear breakdown of who Matsui Securities is best suited for.

Who Matsui Securities is a good fit for:

• Individual investors who primarily trade small amounts (¥500,000 or less per day)
• Young investors aged 25 or under who want to start investing with zero fees
• Beginners seeking robust support, including the ability to consult by phone when in trouble
• Those considering long-term, diversified investing, mainly through NISA account investment trust accumulation plans
• Investors who hold investment trusts long-term and want to lower effective costs through point rewards
• People who want to easily apply for IPOs without needing to deposit funds in advance

Who Matsui Securities is not a good fit for:

• Investors who primarily engage in large-scale trades exceeding ¥500,000 per day
• Those who actively want to trade foreign stocks other than US stocks (e.g., Asian or European stocks)
• People who prioritize credit card accumulation point rewards above all else
• Users who value multifunctional smartphone app features above everything else

Matsui Securities is not a one-size-fits-all brokerage for everyone. However, for those who want to "start small," "need support," or "keep costs low," it is designed to meet those needs head-on. Opening a free account is the first step to confirming whether your conditions and concerns align before you start trading. Why not check out Matsui Securities' official website to see their fee structure and support offerings for yourself?

*Please note that investments carry no principal guarantee and involve risks, including losses due to price fluctuations and exchange rate movements. All trading should be conducted based on your own judgment and responsibility.

Methodology and Disclosure

Verification Method: This article is based on publicly available information confirmed as of 2026-07-13. Our editorial team has not personally signed up for or used the services discussed. The content is an explanatory guide based on public information (official websites, third-party reviews, and user feedback). As service details, fees, and promotions are subject to change, please be sure to check the official information before signing up.

Publisher Information: The editorial policy and evaluation criteria for this article are described in the Editorial Policy, and the verification procedures are outlined in the Evaluation Methodology. If you find any errors, please report them via our contact form.

Affiliate Disclosure: This article contains affiliate links, and our site may receive compensation at no additional cost to readers. Such compensation does not affect the content of our evaluations.

Frequently Asked Questions

Is opening a Matsui Securities account free?

Yes, opening an account is completely free. There are no maintenance fees or deposit/withdrawal charges. However, trading fees may apply, but domestic stock cash trades up to ¥500,000 per day are commission-free (conditions apply).

What are the conditions for free commissions? What happens if I exceed ¥500,000?

For domestic stock cash trades, the commission is ¥0 if the total daily trade value is ¥500,000 or less. For amounts over ¥500,000 up to ¥1 million, the fee is ¥1,100 (tax included); up to ¥2 million, it's ¥2,200 (tax included), with ¥1,100 added per ¥1 million increment (conditions apply).

Is it really completely free for investors aged 25 and under?

Yes, if you are 25 or younger, all domestic stock trading commissions are waived regardless of trade value. This is a major advantage for students and young professionals. Age verification is required.

Are there no commissions for NISA accounts?

Trading commissions for NISA accounts are free for domestic stocks, U.S. stocks, and mutual funds. Both the Tsumitate Investment and Growth Investment limits are supported, allowing you to fully benefit from tax-free advantages (conditions apply).

How do I earn point rewards on mutual funds?

You can earn up to 1% Matsui Securities points on all mutual fund holdings based on your balance. The higher your balance, the higher the reward rate. Accumulated points can be exchanged for Amazon gift cards and more (conditions apply).

What is the reputation of the mobile app? Is it really hard to use?

The article does not provide specific reviews of the app. However, phone support with screen sharing is available on weekends and holidays, so staff can remotely assist you if you have trouble navigating.

How do I apply for IPOs at Matsui Securities?

Matsui Securities does not require pre-deposited funds for IPO applications. Unlike many other major online brokerages that require upfront deposits, this allows you to apply without tying up your capital. Please check the official website for details.

Can I set up a credit card recurring investment plan?

As of 2025, JCB cards are supported, but the high reward rates offered by other companies are limited. If maximizing credit card point rewards is your priority, you may want to consider other brokerages.

Sources

This article is based on publicly available information as of 2026-07-13.

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