Fund Transfer to overseas (Electronic transfers)

Expansive overseas network makes it possible to send money overseas quickly, safely, and accurately.

*The payee must have been registered in advance to use PRESTIA Phone Banking / PRESTIA Online.

For the service charges on each transaction channel, please click here.

When making fund transfers

Many financial institutions, primarily in Europe, require an IBAN code for accounts receiving funds transfers.Furthermore, SWIFT (BIC) CODE that identifies banks is also required for overseas fund transfer payee registrations. Please see below for the details.

Customers will be asked to notify his or her My Number (Individual Number/ Corporate Number) the first time they transfer or receive funds to/from overseas via SMBC Trust Bank PRESTIA account opened on or after January 1, 2016. Please click here Open in new window for details.

What is "IBAN" code?

"IBAN" code* is a number of up to 34 digits in length that identifies the location, branch, and account number for the bank where the payee has an account. The first two letters of the code and the number of digits are fixed depending on the country.
Many financial institutions, primarily in Europe, require an IBAN code for accounts receiving funds transfers.

*IBAN (International Bank Account Number)

  • Making funds transfers without IBAN information to countries requiring an IBAN may result in a delay in the transfer of funds, or failure of the transfer, and there may be an IBAN inquiry by the fund receiving financial institutions, all of which may be subject to fees being charged.
  • Please be aware that, even in cases where funds have been sent without problems in the past, there may be changes to the way the transfer is handled depending on the receiving bank.
  • Please be aware that fund transfers to the countries which require IBAN cannot be acceptable without IBAN.

List of IBAN countries from here (PDF 75.91KB)Link to PDF document

What is "SWIFT(BIC)" code?

SWIFT (BIC) CODE* identifies banks and is made up of either 8 or 11 numbers and letters. For registration of fund transfer payee, SWIFT (BIC) CODE is also needed to be registered. Because financial institutions are often consolidated or abolished, it is possible that the receiving bank's SWIFT (BIC) CODE* has been changed. Please take the time to check each item and update it with the latest information.

*SWIFT (BIC) CODE (Society for Worldwide Interbank Financial Telecommunication / Bank Identifier Code)

About Overseas Fund Transfer Payee Registration

Customers who have made overseas remittances in the past should check their registered transfer information, and, if no IBAN code has been registered as required, please register the latest IBAN code for the receiving account number.

Please inquire the payee for the correct IBAN and SWIFT (BIC) CODE. Also, customers who wish to register new overseas fund transfer payee can proceed as followings.

Customers who opened their account(s) on or after January 1, 2016, will be asked to notify his or her My Number (Individual/ Corporate Number) at the time of overseas fund transfer payee registration. Please click here Open in new window for details on how to notify your My Number.

■ Via PRESTIA Online (Only in Foreign Currency)

"Customer Service" from the main menu on the left-hand side on PRESTIA Online > "e-Form" > "Overseas Remittance Registration (Foreign Currency)"

How to register payee for Overseas RemittanceOpen in new window

Customers who opened their account(s) on or after January 1, 2016, and has not notified My Number, please note that overseas remittance registration by e-Form is not available. Please click here Open in new window for details on how to notify your My Number.

■ By Mail

Download "Fund Transfer and Remittance Payee Registration" form

Customers who opened their account(s) on or after January 1, 2016, will be asked to notify his or her My Number (Individual/ Corporate Number) at the time of overseas fund transfer payee registration. Please send necessary documents together with the completed "Fund Transfer and Remittance Payee Registration" form. Please click here Open in new window for details on how to notify your My Number and necessary documents for notification.

Confirmations Required by Law

■ Confirmation Based on the Foreign Exchange and Foreign Trade Act

In order to comply with applicable laws and regulations such as the Foreign Exchange and Foreign Trade Act, SMBC Trust Bank takes measures to confirm that your overseas fund transfer transaction does not violate "regulations on trade-related payments" or "regulations on the purpose of use of funds".
For details on these regulations, please see the following links to the websites of the Ministry of Finance (Only in Japanese) and the Ministry of Economy, Trade and Industry.

Ministry of Finance WebsiteLinks to external sites

Ministry of Economy, Trade and Industry WebsiteLinks to external sites

■ Confirmations based on OFAC Regulations

In order to comply with the regulations of the U.S. Treasury Department's Office of Foreign Assets Control (OFAC), SMBC Trust Bank takes measures to confirm that your overseas fund transfer transaction does not violate OFAC regulations.
For details on these regulations, please see the following link to the OFAC website (in English).

OFAC WebsiteLinks to external sites

contact us
For account holders
Telephone 0120-110-330 (toll-free, open 24 hours a day, 365 days a year)

From Overseas 81-45-330-2880 (toll-charge)

For non-account holders
Telephone 0120-50-4189 (toll-free)
PRESTIA Online
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