When using Overseas

Use for ...

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 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Transaction amounts are withdrawn from your Yen Savings Account.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

ANACardBimg

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

  • This benefit only for ANA MILEAGE CLUB GLOBAL PASS.
  • Miles benefits will be provided by the end of the second month after month of use.

What if your 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 USD100 in your PRESTIA MultiMoney account for USD200 withdraw, full amount USD200 (JPY20,000*) settlement from Yen Savings Account.

  • in case the exchange rate determined by Visa, with an addition of a predefined commission (3%): 1USD=100Yen
Before Withdraw
Yen Savings Account (Balance JPY100,000)/PRESTIA MultiMoney Foreign Currency Savings Deposit in USD (Balance USD100)←USD100 shortage
After Withdraw (GAIKA FULLBACK "ON")
Yen Savings Account (Balance JPY80,000)full amount settlement/PRESTIA MultiMoney Foreign Currency Savings Deposit in USD (Balance USD100)←no settlement
  • When using GAIKA FULL BACK, conversion into Japanese yen is carried out at a rate obtained by adding the predefined commission fee (3%) to the exchange rate determined by Visa; in principle, the amount will be debited immediately from your Yen Savings account.
  • You can turn GAIKA FULL BACK "ON" or "OFF".
  • If GAIKA FULL BACK is "OFF" and your balance of the relevant currency is insufficient, or if GAIKA FULL BACK is "ON" but the balance of your Yen Savings Deposit account is insufficient, you will be unable to shop at Visa merchant stores overseas or withdraw from overseas ATMs.

Basic Operating Procedures

  1. Insert your card.

    * Insert your card in the direction of IC chip

    • Balance inquiry is not available at ATM.
  2. Input your Debit PIN and press the confirmation button.

    ???? (Debit PIN) → ENTER (Confirmation button)
    The confirmation button may also read YES OK or CORRECT

    • Enter your Debit PIN (4-digit PIN) even at ATMs showing 6 or more digit PIN field.
  3. Press the WITHDRAWAL button

    Select the withdrawal function.
    This may be displayed as GET CASH etc.

    • Please note that CASH ADVANCE does not refer to a withdrawal.
  4. Press the SAVINGS ACCOUNT button.

    Select the account type. You can also make a withdrawal by selecting CURRENT ACCOUNT or CHECKING ACCOUNT

  5. Enter the amount and press the confirmation button.

    Some ATMs require you to choose from preselected amounts, so follow the on-screen instructions. In the United States, most withdrawals will be in 20-dollar increments.

    When entering the amount yourself

    $20.00(Enter the amount, including cents)

    When selecting the fixed amounts

    20 200 50 500 100 Other

    Overseas ATM: when withdrawn from Japanese Yen instead of the local currency

    [Example] THIS TERMINAL OFFERS CONVERSION TO YOUR HOME CURRENCY CASH WITHDRAWAL 100 DKK TRANSACTION FEE 30.00 DKK TOTAL AMOUNT 130.00 DKK TERMINAL EXCHANGE RATE 0.0561DKK=1.000JPY TRANSACTION AMOUNT WITH COMMISSION 2,317 JPY ACCEPT CONVERSION DECLINE CONVERSION
    • CASH WITHDRAWAL: Cash out amount
    • TRANSACTION FEE: Surcharge fee *1
    • TOTAL AMOUNT: Sum in local currency
    • TERMINAL EXCHANGE RATE: Exchange rate *2
    • TRANSACTION AMOUNT WITH COMMISSION: Amount withdrawn from your Yen Savings account with commission
    ACCEPT
    Withdrawn from Yen Savings account.
    The transaction amount is calculated based on the exchange rate determined by ATM (i.e. not by SMBC Trust Bank) even if GAIKA FULL BACK option is OFF
    DECLINE
    Cancel the transaction

    If you would rather withdraw from existing PRESTIA MultiMoney Foreign Currency Savings Deposit (i.e. DKK), decline the transaction, and find other ATM that allows you to withdraw in the local currency (i.e. DKK)
    Note: there is a chance that in the course of declining the transaction , the amount may be deducted from Yen Savings account. However, the same amount is to be refunded to your account.

    • *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 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.
  6. Be sure to take your cash, card, and receipt.

    When you have the option to obtain a receipt, always choose YES and take and keep the receipt. Check the screen to make sure that your transaction is complete.

    • Some ATMs allow you to select the display language.
  7. Check the screen to make sure that your transaction is complete.

    With some overseas ATMs, once you pass your card through the machine, you can continue to perform multiple transactions until you confirm that you are finished. If you do not do this, it may be possible for a third party to withdraw cash from your account, even after you take your card out of the machine.

  8. View Usage Statements

    An alert e-mail will be sent to your registered e-mail address each time you use your card. You can also check your Usage statements on the Member's Website.
    As a general rule, payment amounts will be deducted from your deposit account on the same day.

Important Notes on Using Overseas ATMs

  • If your card is swallowed by an ATM card or your cash when you are overseas, please immediately explain to a local financial institution and ask them to return your card or cash. Solving such a problem after returning to Japan may be difficult.
  • 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.)

You can apply on online banking easily.

For switching from a current banking card, please register online banking beforehand.
Register Now

For switching from a current banking card, please register online banking beforehand.
Register Now

FAQ on how to switch Banking Card to GLOBAL PASS

Contact Us

Telephone

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

24 hours a day, 365 days a year

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

24 hours a day, 365 days a year