Multiple Shinkin Banks Unable to Process ATM Use and Transfers Due to Joint System Failure; Up to 128 Banks Possibly Affected, No Restart Date Set

What happened

Starting around 1:30 p.m. on November 6, shinkin banks in several regions could not handle counter services or ATM deposits and withdrawals. By 3:30 p.m., Osaka City Shinkin Bank, Osaka Shoko Shinkin Bank, Seto Shinkin Bank, Gifu Shinkin Bank, and Hiroshima Shinkin Bank had posted notices on their websites about the problem. Some customers also could not use internet banking or apps. Seto Shinkin Bank said its cash cards did not work even at partner banks and convenience store ATMs. Some automatic bill payments and transfers were delayed or put on hold.

Key facts

• About 128 shinkin banks in western Japan, from the Tokai region westward, were affected, according to NHK.
• The problem started around 1:30 p.m. on November 6, 2026.
• The likely cause is a communication failure at the "Western Japan Center" of Shinkin Kyodo Center.
• No restart time had been announced when the article was written.

What is a shinkin bank?

A shinkin bank is a small local bank that serves people and small businesses in one region. Many shinkin banks share a computer system run by a joint service company, Shinkin Kyodo Center. Because they share one system, a single failure can affect many banks at once.

Why it matters

Many people in western Japan could not withdraw money, send payments, or pay bills on time. The story shows how one shared computer system can cause trouble for many banks and their customers at the same time. Customers with urgent payments were told to use a bank outside the shinkin network or to ask their branch for help.

What to watch

• When Shinkin Kyodo Center restores the system and services return to normal.
• Whether the banks confirm the cause as a communication failure.
• Whether delayed bill payments and transfers are processed correctly after the fix.