You can make transactions in several different ways

Making transactions at online banking

  • I want to make Premium Deposit transactions at night when overseas markets are active.
  • I don't want to miss out on any opportunities; I want to check exchange rates on the Internet myself so that I can decide when to make Premium Deposit transactions.

Via online banking, you can earn base interest rate x 5% higher interest rate than the regular Premium Deposit in the same conditions. (Except in the case of a campaign for add-on interest rate, etc.)
Please make sure to check the applicable interest rate in the confirmation screen.

e.g.) If the base interest rate is 4.000% (pre-tax annual interest rate), applicable interest rate shall be 4.200% (pre-tax annual interest rate)
Calculation: 4.000+4.000x0.05=4.200% (pre-tax annual interest rate)

Online banking

Online banking

  • *Connecting to transaction menu from above.

Navigation Menu: Investment & Reports > Premium Deposit (Structured Deposits)

Online banking Help

You can make transactions anytime from Monday morning at 8:00 A.M. until Saturday morning at 5:00 A.M. in principle.

  • *Please note that certain restrictions apply to available hours. Available hours also exclude system maintenance hours, Japan holidays, and December 31 through January 3. Transaction may be unavailable on overseas holidays due to market condition.

Making transactions at PRESTIA Phone Banking

  • I would like to apply for a Premium Deposit at my convenience over the phone.
  • I would like to consult with a consultant before starting a Premium Deposit.

0120-110-330
(toll-free, open 24 hours a day, 365 days a year)

You can make transactions anytime from Monday morning at 8:00 A.M. until Saturday morning at 5:00 A.M. in principle.

  • *Please note that certain restrictions apply to available hours. Available hours also exclude system maintenance hours, Japan holidays, and December 31 through January 3. Transaction may be unavailable on overseas holidays due to market condition.

Making transactions at branches

  • I would like to speak with a consultant before making Premium Deposit transactions.
  • I would like to drop by the nearest branch to make Premium Deposit transactions.

Find a branch

You can make transactions at our branches during the branch's business hours in principle.

  • *Please note that certain restrictions apply to available hours. Available hours also exclude system maintenance hours, Japan holidays, and December 31 through January 3. Transaction may be unavailable on overseas holidays due to market condition.

Important Notices

This product is a structured deposit whereby the exchange rate at maturity determines the currency in which you receive your deposit principal.

Premium Deposit is not suitable for customers to whom the following conditions apply;

  • Customers to whom currency exchange is an absolute priority.
  • Customers who do not wish to absorb a loss in their invested principal.
  • Customers who do not wish to be exposed to the risk of foreign currency exchange rate fluctuations.

Please read the guidelines below before you apply for this product.

This product entails some risks such as loss of principal in the original deposit currency and/or Japanese yen. Please read the "Information Memorandum and Pre-Contract Document" carefully, and make sure you fully understand the product before making the transaction.

Risk of Loss of Principal

If the conversion to Counter Currency happens, the equivalent value of the maturity amount including interest in the deposited currency and/or Yen may become less than the initial deposit value due to FX fluctuation. Please read carefully, and understand, the precautions for each type of investment for information about the risk of loss of principal for "Deposit in Yen", "Deposit in Foreign Currency" and "Cross Currency Type".

Other considerations

  • Deposit Insurance
    [Deposit in Yen]: Deposit is covered by Deposit Insurance. In the case where the principal is converted to foreign currency, it is not covered by Deposit Insurance after the principal is deposited into Foreign Currency Savings Account. When it is covered, only the 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. For the interest of this product, Deposit Insurance will cover up to the amount equivalent to the Yen time deposit interest for the same tenor and amount, the rate for which is separately stipulated. Any excess interest amount will not be covered by Deposit Insurance.
    [Deposit in Foreign Currency]: Deposit is not covered by Deposit Insurance. In the case where the principal is converted to Yen, it is covered by Deposit Insurance after the principal is deposited into Yen Savings Account.
    [Cross Currency Type]: Deposits are not covered by Deposit Insurance during deposit or after maturity.
  • The payment will be made by crediting the proceeds of the principal and interest as of the maturity date into the PRESTIA MultiMoney Savings Account of the respective currency on the maturity date or the following bank business day.
    The savings interest rate will apply to the deposit on and after the maturity date.
  • In case of US residents, we may not be able to accept your application.
  • Please see here for the details of Risk of loss of principal, Commissions, Other considerations and available currencies, etc.

Company Name : SMBC Trust Bank Ltd.

  • Products and services featured here may not be purchasable or able to be provided to customers for various reasons determined by SMBC Trust Bank. We kindly request your understanding in advance.

For Transactions

Customers can use the following methods to check the strike prices that can be set, applicable interest rates, etc.

InternetOnline banking

InternetOnline banking

  • *Connecting to transaction menu from above.
    Navigation Menu: Investment & Reports > Premium Deposit (Structured Deposits)

Telephone

PRESTIA Phone Banking

0120-110-330Within Japan (toll-free)

24 hours a day, 365 days a year

81-46-401-2100From Overseas (toll-charge)

24 hours a day, 365 days a year