Foreign Currency Time Deposit
Interest Simulator

Estimate your interest at maturity for reference purposes.

Check the fields highlighted in red

Deposit Currency	Close Please refer to the currency names below. USD US Dollar EUR Euro AUD Australian Dollar NZD New Zealand Dollar GBP British Pound CAD Canadian Dollar CHF Swiss Franc SGD Singapore Dollar HKD Hong Kong Dollar CNY Chinese Yuan Offshore THB Thai Baht ZAR South African Rand TRY Turkish Lira MXN Mexican Peso NOK Norwegian Krone SEK Swedish Krona DKK Danish Krone More currencies
Deposit Term	More terms
Deposit Method	Online Preferred Branch Why it's preferred
Deposit AmountRequired	Required Only alphanumeric characters and decimal points are allowed Enter JPY 100,000 or more JPY * Minimum deposit amount: JPY 100,000
Interest RateRequired	Required Only alphanumeric characters and decimal points are allowed % / p.a. (Before Tax) View interest rates * For campaign rates, enter the rate shown on the campaign page.
Exchange Rate at DepositRequired	Required Only alphanumeric characters and decimal points are allowed JPY / USD * The displayed exchange rate is based on the current foreign currency purchase rate (manual input available)
Estimated Exchange Rate at MaturityRequired	Required Only alphanumeric characters and decimal points are allowed JPY / USD * The displayed exchange rate is based on the current foreign currency sale rate (manual input available)

Foreign Currency Deposit Amount^*1

USD

Interest at Maturity
(Before Tax)^*2

USD

National Tax (15.315%) ^*2

USD

Local Tax (5%) ^{*2, 3}

USD

Interest Received at Maturity 
(After Tax)
 USD

Interest Received in JPY
(Based on the estimated exchange rate at maturity)

JPY
(Based on the estimated exchange rate at maturity)

* For deposits made in foreign currency, the simulation assumes the funds are managed in the same currency.

Check the fields highlighted in red

Deposit Currency	Close Please refer to the currency names below. USD US Dollar EUR Euro AUD Australian Dollar NZD New Zealand Dollar GBP British Pound CAD Canadian Dollar CHF Swiss Franc SGD Singapore Dollar HKD Hong Kong Dollar CNY Chinese Yuan Offshore THB Thai Baht ZAR South African Rand TRY Turkish Lira MXN Mexican Peso NOK Norwegian Krone SEK Swedish Krona DKK Danish Krone More currencies
Deposit Term	More terms
Deposit AmountRequired	Required Only alphanumeric characters and decimal points are allowed USD * Enter an amount equivalent to JPY 100,000 or more.
Interest RateRequired	Required Only alphanumeric characters and decimal points are allowed % / p.a. (Before Tax) View interest rates
Estimated Exchange Rate at MaturityRequired	Required Only alphanumeric characters and decimal points are allowed JPY / USD * The displayed exchange rate is based on the current foreign currency sale rate (manual input available)

Foreign Currency Deposit Amount

USD

Interest at Maturity
(Before Tax)^*2

USD

National Tax (15.315%) ^*2

USD

Local Tax (5%) ^{*2, 3}

USD

Interest Received at Maturity 
(After Tax)
 USD

Interest in JPY
(Based on the estimated exchange rate at maturity)

JPY
(Based on the estimated exchange rate at maturity)

*1When depositing from JPY, values are rounded up to the second decimal place.
*2Values are truncated after the second decimal place.
*3Customers classified as non-residents are not subject to local tax; however, the simulation is calculated using a 5% tax rate.

The simulation results are estimates based on the information you entered and do not guarantee the actual results.
Interest Received
In principle, interest is subject to a 20.315% withholding tax (National tax 15.315% and Local tax 5%) for individual customers. The tax rate etc. may change in the future due to reasons such as revision of tax laws.
Deposit Terms
1M = 30 days, 3M = 91 days, 6M = 183 days, 7M = 213 days, 9M = 274 days, and 1Y to 5Y = 365 days × number of years for simulation purposes. Actual interest is calculated based on a 365-day year.
Exchange Rate at Deposit
The exchange rate is automatically displayed as follows, depending on whether the Free FX Commission Program applies.
If the Deposit Method is "Online":
Current mid rate
If the Deposit Method is "Branch":
- For deposits of JPY 3 million or more: Current mid rate
- For deposits less than JPY 3 million: Current TTS rate
Estimated Exchange Rate at Maturity
The current TTB rate is displayed. Therefore, compared with the Exchange Rate at Deposit, the rate is more favorable to JPY by the amount of the FX commission.

This product entails some risks such as loss of principal. Please see here for the details.

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