When using Overseas

Use for ...

Shopping
ATM transactions

ATM transactions

ATMs overseas

You can withdraw local currencies at ATMs with a Visa or PLUS mark in over 200 countries and regions around the world.

Settlement account
currency

When you use 17 Applicable Currencies

If you have sufficient balance in your PRESTIA MultiMoney Foreign Currency Savings Account, the amount you use will be debited from there.

USD AUD NZD GBP CAD EUR CHF SGD HKD CNY THB ZAR TRY MXN NOK SEK DKK flag image

PRESTIA MultiMoney Foreign Currency Savings Deposit handles Chinese Yuan offshore only.
Chinese Yuan offshore deposit can be used for settlement in China.
Fund Transfer is required from U.S. Dollar Saving Account to PRESTIA MultiMoney Account, because U.S. Dollar Saving Account cannot be used for settlement.

What if your account balance runs low?

When using GAIKA FULL BACK, the full transaction amount is deducted from your Yen Savings Account when the balance in your Foreign Currency Savings Deposit is insufficient.

This service is not available if customer set "OFF" to GAIKA FULL BACK.
When using GAIKA FULL BACK, converted into Japanese yen at a rate obtained by adding the predefined commission fee (3%) to the exchange rate determined by VISA.
Some overseas ATMs convert yen amount at their own exchange rates.

When you use currencies other than 17 Applicable Currencies

Transaction amounts are withdrawn from your Yen Savings Account.
When the balance in your Yen Savings Account is insufficient, GLOBAL PASS cannot be used.

When the transaction amount is to be deducted from your Yen Savings Account, the full amount will be converted to Japanese yen by using the exchange rate determined by Visa, with an addition of a predefined commission (3%).
Some overseas ATMs may convert yen amount at their own exchange rates.

ATM service fees

No fee

Some owners of ATM may charge an additional fee separately. Regarding reimbursement, please see here.

Benefit

1 mile per 10,000 yen equivalent for ANA MILEAGE CLUB GLOBAL PASS

This benefit is only for ANA MILEAGE CLUB GLOBAL PASS.
Miles benefits will be provided by the end of the second month after month of use. The transaction amount will be converted into Japanese yen at a rate obtained by adding 3% to the exchange rate determined by Visa as of the date the transaction is finalized.

What if my account balance runs low?"GAIKA FULL BACK" will cover

This service allows you to make settlements by covering the full amount with your Yen Savings Account if the balance of the transacting foreign currency in your PRESTIA MultiMoney Foreign Currency Savings Account is insufficient. You will be able to use your card overseas without worrying about your foreign currency balance.

For example: When you have only USD 100 in your PRESTIA MultiMoney Account for the USD 200 transaction, the full amount USD 200 (JPY 20,000*) will be deducted from your Yen Savings Account.

Assuming that the exchange rate determined by Visa, with an addition of a predefined commission (3%): 1 USD = JPY 100

Yen Savings Account (Balance JPY100,000)/PRESTIA MultiMoney Foreign Currency Savings Deposit in USD (Balance USD100)←USD100 shortage — Berore transaction

Yen Savings Account (Balance JPY80,000)full amount settlement/PRESTIA MultiMoney Foreign Currency Savings Deposit in USD (Balance USD100)←no settlement — After transaction (GAIKA FULL BACK "ON")

Notes

*The total transaction amount will be converted into Japanese yen at a rate obtained by adding the predefined commission fee (3%) to the exchange rate determined by Visa. However, when a Visa merchant store or a company that owns an overseas ATM determines the charge amount by converting the transaction amount into Japanese yen using its own exchange rate, then the total transaction amount will be deducted from your Yen Savings Deposit account whether or not you have chosen to use the GAIKA FULL BACK service.
*You can set "On" or "Off" to GAIKA FULL BACK via online banking.
*If GAIKA FULL BACK status is "Off" and your balance of the relevant currency is insufficient, or if GAIKA FULL BACK status is "On" but the balance of your Yen Savings Account is insufficient, you will not be able to shop at Visa merchant stores overseas or withdraw from overseas ATMs.
*When an additional withdrawal is made at a merchant due to rebill after cancellation, split charges or the difference in bills, or when only final value ("Fixed") was charged without a confirmation of the validity of your debit card when used, the amount may be withdrawn from the corresponding foreign currency deposit regardless of the GAIKA FULL BACK setting. When the balance is short in the account, we will exchange the equivalent amount of the insufficient funds into the foreign currency from Japanese Yen and debit it if your balance of your Yen Savings Deposit account is enough, or please deposit into your debit card settlement account if you do not have enough balance.
*GAIKA FULL BACK may not be applicable to certain transactions depending on the processing systems used at Visa merchants.

Basic Operating Procedures

Insert card

* Insert your card in the direction of IC chip
- Balance inquiry is not available.
Input your 4-digit Debit PIN and press ENTER to confirm
- The confirmation button may be YES OK or CORRECT.
- If you are asked to input a 6-digit PIN, use a different ATM.
Press WITHDRAWAL or GET CASH
- CASH ADVANCE is not available with GLOBAL PASS.
Press SAVINGS ACCOUNT
- You can also make a withdrawal by selecting CURRENT ACCOUNT or CHECKING ACCOUNT.
Enter the amount and press the confirmation button

When entering the amount yourself

$20.00

When selecting the fixed amounts

20 200 50 500 100 Other
Some ATMs may offer the option for a DCC (Dynamic Currency Conversion) transaction.

If you accept the DCC transaction, the amount will be converted using the terminal's exchange rate instead of our predetermined exchange rate and withdrawn from your Yen Savings Account.
- ACASH WITHDRAWAL :
  Cash out amount
- BATM ACCESS FEE :
  ATM's owner fee^*1
- CTOTAL AMOUNT :
  A+B
- DTERMINAL EXCHANGE RATE :
  Exchange rate
- EMARKUP :
  Fee rate
- FYOUR ACCOUNT CHARGE WITH CONVERSION :
  Amount withdrawn from your Yen Savings Account with commission
- GDECLINE CONVERSION :
  Select this option if you want to withdraw from a foreign currency savings deposit or Yen Savings account at our predetermined exchange rate. The DCC transaction will be canceled. After that, some ATMs may proceed with the transaction in the local currency while others may terminate your transaction.
  
  *If the amount was deducted from Yen Savings Account while declining the transaction, the same amount will be refunded to your account.
- HACCEPT CONVERSION :
  Withdrawn from Yen Savings Account at the terminal's exchange rate even if GAIKA FULL BACK is OFF.
- *1The fee amount (as in local currency or equivalent in yen) will be reimbursed to the executed account when the below conditions are met for PRESTIA DIGITAL GOLD, PRESTIA GOLD or PRESTIA GOLD PREMIUM customers.
  - If the transaction was made from Yen Savings Account, the balance over 5,000 yen is necessary in the same account.
  - If the transaction was made from PRESTIA MultiMoney Foreign Savings Account, the balance equivalent to 5,000 yen or more in withdrawn currency is necessary in the account. (The conversion to yen will be calculated with the TTB rate specified by SMBC Trust Bank as of the reimburse date.)
- *2The exchange rate is determined by ATM owners and is different from that of SMBC Trust Bank.
The DCC transaction cannot be canceled later. If you are unsure how to proceed, terminate the transaction by pressing cancel button. Make sure that the transaction is completely canceled on the screen before trying a different ATM.
Be sure to take your cash, card, and receipt
- If you have the option to print a receipt, always select YES and keep it.
Make sure that the transaction is completed on the screen before you leave

Some overseas ATMs allow multiple transactions even after you removed your card. For security, double check on the screen that the transaction is completed.
Check Statements

The transaction details can be viewed on the GLOBAL PASS Member's Website.
We also recommend registering for PRESTIA Alert Service in advance to receive email notifications for each transaction.

If your card was swallowed by the ATM or your cash did not come out, contact the ATM owner immediately to request a return/refund.
The negotiation can be difficult after returning to Japan.

Use of GLOBAL PASS while overseas is limited to individuals. The purpose of use of funds withdrawn overseas will be limited to expenses for the overseas stay (charges and expenses for accommodation, transportation, meal or other expenses relating to basic necessities, costs of personal items and gifts, tuition fees and medical expenses, etc.)

FAQ's about GLOBAL PASS

For customers with a cash card issued by September 2019

You can easily switch to GLOBAL PASS via online banking for free.
If you have not yet registered for online banking, please register here in advance.

Switch to GLOBAL PASS

FAQs about switching to GLOBAL PASS