• ENJOY PLUS (Add-on interest rates)  With the foreign currency expert PRESTIA, you can enjoy advantageous add-on interest rates for foreign currency time deposits from yen funds.Applied to certain foreign currencies and deposit types. Read More
  • Foreign Currency Time Deposit: Interest Rate for 100 Mil. Yen equivalent or more

    Add on interest rates

    Associated Risks

    Add on interest rates

    Associated Risks

  • SMBC Trust Bank's Housing Loan Value that exceeds your expectations. Housing loans up to 500 million yen We provide premium value that exceeds the expectations of even our best, most discerning customers. More Details
  • Premium Deposit <Structured Deposit with FX Option> Add-on interest rate only via PRESTIA Online regardless on the deposit amount! Transactions can be performed online in real-time 24 hours a day *This product entails some risks such as loss of principal in the original deposit currency and/or yen. *Please read the "Information Memorandum and Pre-Contract Document" carefully, and make sure you fully understand the product before making the transaction.
  • Do not let an opportunity slip by. Check the FX rates on the road, and buy foreign currency right away with your finger tip on your smartphone. With our PRESTIA Mobile, you won't miss the chance. Learn More

Non Account Holders

Foreign Exchange Rates(Yen)


  • Please read the security pages carefully so that you can protect yourself from becoming a victim of financial crimes.

Deposit Interest Rates

Notices regarding SMBC Trust Bank Products

About Deposit Insurance

Yen deposits are covered by Deposit Insurance. However, only principal up to 10 million yen totaling all deposits you have with us that are in the scope of Deposit Insurance and interest until the insurable contingency are covered by Deposit Insurance.

Please refer to "Deposit Insurance" section in each Product Information Memorandum about coverage of Deposit Insurance.

Go to "List of Product Information Memoranda"

For further details of Deposit Insurance, please refer to "Deposit Insurance Corporation of Japan".

More details

Lost/stolen cash cards notifications and inquiries


045-330-2890(charges apply)

From overseas
81-45-330-2890(charges apply)

Regarding the display of consumption tax

Please note that at SMBC Trust Bank fees may be displayed either inclusive or exclusive of consumption tax. In cases where fees are displayed exclusive of consumption tax as "excluding tax", consumption tax will be added and charged separately. Thank you for your understanding.

SMBC Trust Bank Ltd.

SMBC Tokyo 2020 Gold Partner (Bank)

SMBC Trust Bank proudly supports the Olympic and Paralympic Games Tokyo 2020. SMBC Trust Bank is a group company of Sumitomo Mitsui Banking Corporation.
SMFG Tokyo 2020 Special Site

Japan Goalball National Team.

SMBC Trust Bank proudly supports the Japan Goalball National Team.
More Details

Group Companies

  • Sumitomo Mitsui Financial Group
  • Sumitomo Mitsui Banking Corporation
  • SMFL Sumitomo Mitsui Finance and Leasing Co., Ltd.
  • SMBC Nikko Securities Inc.
  • Sumitomo Mitsui Card Company, Limited
  • Cedyna Financial Corporation
  • SMBC Consumer Finance Co., Ltd.
  • The Japan Research Institute, Limited
  • Sumitomo Mitsui Asset Management

Back to Top