Comparison

Crowd Bank vs Cozuchi

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Crowd Bank

Participate in asset management through loans with various funds. Enjoy growing your assets with minimal effort and no need for constant market monitoring. Start your investment journey easily with low initial investment and monthly distributions.

Highlights
  • Loan-based crowdfunding
  • Passive asset management
  • Low initial investment (10,000 JPY)
  • Monthly distributions
  • No market fluctuation worries
  • Push notifications
  • View past notifications
Features
Read full description

■クラウドバンクの特徴 ・口座開設手数料、投資手数料、口座維持手数料、日本円での出金手数料すべて無料 ・1万円から投資可能 ・毎月分配 ・株のような値動きがないため、変動を気にする必要なし ・実績平均利回り6.35% ※1 ■アプリの主な機能 ・マイページの閲覧 ・投資申請 ・出金申請 ・push通知 ・過去の通知の閲覧 ■こんな方におすすめ 「資産運用って難しそう」、「忙しくて時間をかけられない」そんな方にお勧めな資産運用サービスです。 サイト上でファンドを選んで、投資額を決めます。 後は待つだけで「予定された利息」を元にした分配金が毎月支払われ、運用期間が終了すると投資資金が返ってきます。※2 日々の値動きや、管理の手間がないので、普段の生活スタイルを崩さず、自分のペースで資産運用がはじめられます。 ■証券会社が取り扱うクラウドファンディング クラウドバンクは、証券会社(第1種金融商品取引業者)が募集取扱いを行うクラウドファンディングサービスです。証券会社として、金融商品取引法によって求められるコンプライアンス態勢の確保、自己資本規制比率などの高い財務基準をクリアしながらサービス運営を行っています。 ※1 2026年3月末までの1年間に運用終了した税引前のファンド実績値。なお、2026年3月末までの3年間に運用終了したファンドの税引前実績平均利回りは6.04%となっております。また、将来の運用成果を保証するものではなく、運用中のファンドや償還が遅延しているファンドは含まれておりません。 ※2 毎月分配型ではないファンドもあり、利回りや元本が保証されているものではありません。 【手数料・リスク等の広告記載事項】 口座の開設、維持およびクラウドバンク匿名組合契約の締結に関する手数料等は無料です。 お客様が負担する営業者報酬は、投資ポーション毎の対象債権残高の2.0%(年率)に相当する金額を上限として支払われます。本匿名組合財産の運用に関連して支払われる費用については、その時々の状況に応じて異なるため、金額、上限額、計算方法および営業者報酬との合計額を具体的に記載することができません。 本出資持分は、元本が保証されているものではなく、対象債権の債務者の財務状態や為替、金利の変動等を原因として、本出資持分の価値が低下することにより損失が生じる可能性があります。 日本クラウド証券株式会社 Crowd Securities Japan, Inc. お客様お問い合わせ窓口: 0800-814-7476/代表番号:03-6447-0011 第一種・第二種金融商品取引業者: 関東財務局長(金商)第115号 / 日本証券業協会 加入

About

Cozuchi

Invest in real estate with as little as 10,000 yen through a crowdfunding platform. Manage your assets online and choose from various funds with assumed yields of 3% to 12%. Benefit from a unique dividend policy that shares additional profits from property sales.

Highlights
  • Real estate crowdfunding
  • Online asset management
  • Low investment entry point (10,000 yen)
  • Assumed yields of 3%-12%
  • Unique dividend policy
  • No loss of principal track record
Features
Read full description

Real estate investment for everyone. COZUCHI is a real estate investment type crowdfunding service that allows you to easily complete and manage your assets online from 10,000 yen. We offer a variety of funds with an assumed yield (annual interest rate) of around 3% to 12%, depending on the investor's stance. COZUCHI does not feel rushed to invest. If you choose your favorite fund and invest, leave the rest to the professionals. COZUCHI has a unique dividend policy that distributes additional profit on top of the expected yield if the property sells for a higher price than expected, even though it is neglected asset management. -Reliable track record- ◎ Cumulative application amount exceeded 100 billion yen *As of the end of March 2023 ◎No loss of principal Since we only deal with properties that have been carefully selected by experts with a proven track record in the real estate industry, we have never suffered a loss of principal. We will continue to provide valuable asset management services to our customers. *As of the end of March 2023

Screenshots

Crowd Bank4 screens
Cozuchi4 screens

Verdict

The call

The clearest difference is ads: Cozuchi at none against Crowd Bank's shown. Cozuchi also leads on monetization model (free vs free with in-app purchases) and update cadence (every 4 weeks vs every 3 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Crowd Bank ships an update every 3 months, Cozuchi every 4 weeks. Both last shipped on November 3, 2026.

Scorecard4 real differences · 4 level
Crowd Bank versus Cozuchi: the parameters behind the verdict, then further details
ParameterCrowd BankCozuchi
PriceFreeFree
Positive reviews5.0% of reviews13.3% of reviews — better
Update frequencyEvery 3 monthsEvery 4 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size14 MB133 MB
Age rating4+4+
DeveloperCROWD SECURITIES JAPAN, INC.LAETOLI Co., Ltd

Customer experience

Crowd Bank

Written reviews40 reviews
Positive5.0%
Neutral15.0%
Negative80.0%

Cozuchi

Written reviews15 reviews
Positive13.3%
Neutral26.7%
Negative60.0%

In-app purchases

None

Crowd Bank

No in-app purchases

None

Cozuchi

No in-app purchases

Questions

Is Crowd Bank free?
Crowd Bank is free to download, with no in-app purchases.
Is Cozuchi free?
Cozuchi is free to download, with no in-app purchases.
Do Crowd Bank or Cozuchi have ads?
Crowd Bank shows ads; Cozuchi does not.
Which is updated more often, Crowd Bank or Cozuchi?
Crowd Bank ships an update every 3 months, and Cozuchi every 4 weeks. Most recently, Crowd Bank was updated on November 3, 2026 and Cozuchi on November 3, 2026.

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