noun
virtual bank
Refers to a bank that operates primarily online without physical branches, or a simulated banking environment.
仮想銀行の口座を開設する。
I open an account with a virtual bank.
ネット銀行 is a more common term for an online-only bank, while 仮想銀行 can also refer to a simulated or virtual banking system in a digital environment.
Compound of 仮想 (virtual, imaginary) and 銀行 (bank).