FREE of foreign exchange commission  Foreign Currency Deposit Service of PRESTIA

Foreign Currency Deposit Balance In Japan No.1*
  • *Personal foreign currency deposit balance (as of end of March 2023) based on our research.
    Source: Each bank's IR materials (published basis)

Foreign Currency
Deposit Service

  • Deposit Amount

    Deposit from
    10,000 yen equivalent

  • Currencies

    Available in
    17 currencies

  • Deposit Date

    Converted automatically
    every month

This is the service SMBC Trust Bank debit a certain amount of money of your choice from your Yen savings account, convert the Yen amount to a foreign currency designated by you every month.



foreign exchange commissions

*Only when Yen is converted to foreign currency


Monthly Account Maintenance Fee(2,200 yen (including tax))*

*if you cancel this service or if funds have not been withdrawn for a certain period of time, Monthly Account Maintenance Fee may be charged.
For details of account maintenance fee exemption conditions, please check here.

Available in 17 currencies

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Order Foreign Currency Deposit Service 24h/365d via online banking

Online banking

Online banking

* Connecting to transaction menu from above.
Navigation Menu: Foreign Currency Savings > Buy / Sell FX, Foreign Currency Deposit Service, Order Watch

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

Recommended for
who think
as the followings

I have to prepare foreign currency for annual insurance payment or my child's tuition.
I hope foreign currency commissions and risks could be a little lower.
FX rate is always changing...
Wonder when to buy.
I have no time to check FX rate and think it is troublesome to transact many times.

With Foreign Currency Deposit Service,
you will get the benefit of Dollar-Cost Averaging

By purchasing more foreign currency when the price is low against Yen, and fewer when the price is high against Yen in a volatile market, you can expect to lower the overall average price compared to lump sum investment.

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No need to figure out the right timing


Decrease risk by diversified investments


Steadily increase the balance in foreign currency

1st 1 USD=\95 2nd 1 USD=\100 3rd 1 USD=\90 4th 1 USD=\115 4th Total the overall average price /1USD A Deposit from 100 USD each time \9,500 \10,000 \9,000 \11,500 \40,000 \100 you can expect to lower the overall average price 100 USD 100 USD 100 USD 100 USD 400 USD B Deposit from 10,000 yen each time \10,000 \10,000 \10,000 \10,000 \40,000 \99.17 105.26 USD 100.00 USD 111.11 USD Purchase more USD 86.96 USD Purchase fewer USD 403.33 USD

* Above are representations for explaining Dollar-Cost Averaging and do not guarantee future investment performances.

3 types of channels are available to suit
your lifestyle and needs

Please visit

our branches

Please visit

Please call

PRESTIA Phone Banking

Within Japan



From Overseas



Online banking

are available 24h / 365d.


* Connecting to transaction menu from above.
Navigation Menu: Foreign Currency Savings > Buy / Sell FX, Foreign Currency Deposit Service, Order Watch

Brief Description of Product

Applicable Currencies

*SMBC Trust Bank handles Chinese Yuan offshore only and uses ‘CNY’ to denote RMB(Renminbi) funded in the offshore market, based on the currency code used on the global settlement system, while onshore RMB circulates on Mainland China.


There is no fixed term for the Foreign Currency Deposit Service.


The amount to be converted to foreign currency on each "Deposit Date" by the Service should be specified either in the debit amount in yen or the deposit amount in a foreign currency at the time of applying for the Service.The amount can be chosen from 10,000 yen equivalent to 3 million yen equivalent.

Deposit Date

The Deposit Date of the Service in each month should be specified at the time of applying for the Service. The frequency is once in a month. You cannot change the Deposit Date in each month. You can specify a date in a month with instructions on whether the Deposit Date should be "previous" or "following" business day if the Deposit Date in a month falls on a Saturday, Sunday, or a national holiday in Japan (including December 31 through January 3). In case that "following" business day was instructed and falls within the next month, the deposit day will be in the next month.
*You cannot specify a day of the week (Monday etc.) or a date which does not exist in a calendar as the Deposit Date. If you choose "31st" of each month as the Deposit Date and the "previous" business day in case where the Deposit Date in a month falls on a Saturday, Sunday, or a national holiday in Japan (including December 31 through January 3), the debit and deposit will be made on the last business day of the month.

Cancellation /

  • Cancellation of Foreign Currency Deposit Service is available at branches, via PRESTIA Phone Banking and by postal mail. It may take several days to complete the cancellation after the application of cancellation is submitted. Please note that in case the next Deposit Date is near to the application submission date, the cancellation may be completed after the next Deposit Date. If you cancel the Service by postal mail, please send the cancellation form well in advance so that it will arrive at the Bank at least one month prior to you designated cancellation date.
  • To amend the details of the Service (account, currency, Deposit Date, amount, etc.), you are first required to cancel the current Service and apply for a new Service.


Foreign currency bought by the Service will be deposited to PRESTIA MultiMoney Foreign Currency Savings Deposit. The withdrawal from this savings is possible at any time.

Applicable Rates

PRESTIA MultiMoney Foreign Currency Savings Deposit interest rate (Savings interest rate is floating rate) for the deposited currency is applied. Applicable interest rate may be changed according to market without notice at any time and the new rate will be applied from the date on which the applicable rate is changed. For the latest rates, please inquire at our branches or PRESTIA Phone Banking.

Interest payment method

Interest is paid in a lump sum at maturity.

Transaction Channels and
Contact Number

Branches of SMBC Trust Bank Ltd. (belonging to PRESTIA) that are set up to handle said transactions. Certain transactions may not be available via online banking and PRESTIA Phone Banking.
For details, please inquire at our branches or via PRESTIA Phone Banking (Domestic (toll-free):0120-110-330; From overseas (toll-charged): 81-46-401-2100).

For non account holders

Open an account

Please note

This product entails some risks such as loss of principal in Japanese yen. Please read "Information Memorandum and Pre-Contract Document" carefully and make sure you have full understanding of the product, associated risks, and commissions before making a transaction.

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

As of August 19, 2019