Why do Premium Deposits offer better interest rates than regular time deposits?

In addition to the interest rate of a regular time deposit, Premium Deposit interest rates include a part of "premium" that is obtained by selling currency options in the applicable currencies. This premium can vary greatly depending on the combination of conditions you choose, and on market conditions. In addition, the higher the chances are of a currency conversion occurring on the maturity date, the higher the premium will be. If you want a high return, the associated risk will also be higher, so please make sure that you understand the nature of the product and its associated risks before transacting.

You can select from three types depending on your needs.

Premium Deposit (Deposit in Japanese yen)

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  • I want to purchase foreign currency when the yen reaches my desired level.
  • I want to receive favorable interest while waiting for the yen to appreciate.

If so, choose "Deposit in Japanese Yen".

Learn more

Premium Deposit (Deposit in Foreign Currency)

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  • I want to exchange foreign currency for yen when the yen reaches my desired level.
  • I want to receive favorable interest while waiting for the yen to depreciate.

If so, choose "Deposit in Foreign Currency".

Learn more

Premium Deposit (Cross Currency Type) (Advanced)

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  • I want to exchange foreign currency for another foreign currency at my desired rate.
  • I want to receive favorable interest while waiting for my desired rate.

If so, choose "Cross Currency Type".

Learn more

You can make transactions in several different ways

Three advantages of transactions at online banking

1

Add-on interest rates regardless of the deposit amount.
(Base interest rate x 5% add-on)*1

2

Deposit term includes 1-week

3

Real time transaction in 24 hours a day*2

Online banking

Online banking

  • *Connecting to transaction menu from above.

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

Online banking Help

  • *1Excludes cases where a campaign for add-on interest rate, etc. is being conducted. 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)
  • *2You can make transactions anytime from Monday morning at 8:00 A.M. until Saturday morning at 5:00 A.M. in principle. Excluding certain time periods, Japanese national holidays and December 31 through January 3. Transaction may be unavailable on overseas holidays due to market condition.

Customers who would like to consult with a consultant

Branch

Find a branch

Telephone

0120-110-330
Within Japan (toll-free)
Service hours: 8:00 - 22:00

81-46-401-2100
From overseas (toll-charge)
Service hours: 8:00 - 22:00

Please note

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.

Please see here for the details of Risk of loss of principal, Commissions, Other considerations and available currencies, etc.