ATM Service / Shopping

(Including tax)

Transaction type	Transaction fee
Sumitomo Mitsui Banking Corporation ATMs	Free
ATMs at Domestic Affiliated Financial Institutions	From 110 yen to 330 yen, depending on the time period

Customers who have opened a new account: free (or reimbursed)^* up to 20 times per month until the end of the third month including the account opening month. In the case of opening an account via internet, you can use ATMs free (or reimbursed)^* up to 100 times per month until the end of the sixth month including the account opening month.
PRESTIA DIGITAL GOLD / PRESTIA GOLD / PRESTIA GOLD PREMIUM customers : free (or reimbursed)^* up to 100 times per month.

*At Seven Bank and Japan Post Bank ATMs, the fee becomes free. At other affiliated domestic ATMs, including "E-net" ATMs run or connected by Sumitomo Mitsui Banking Corporation, the fee will be reimbursed. In the case of reimbursement, a balance of 5,000 yen or more is required in the Yen Savings account from which the withdrawal will be made.

Transaction type	Transaction fee
Payment from Yen Savings Account	Free

Transaction type	Transaction fee
Withdrawal from PRESTIA MultiMoney Account Foreign Currency Savings Deposit	Free
Withdrawal from Yen Savings Account	3%^*1
ATM service fee	Free^*2

*For withdrawal in 17 applicable currencies, the amount will be debited immediately from your PRESTIA MultiMoney Account Foreign Currency Savings Deposit.

*1In the following cases, the full amount will be converted into Japanese Yen at the rate obtained by adding the predefined commission fee (3%) to the exchange rate determined by Visa, and will, in principle, be debited immediately from your Yen Savings Account. However, some companies that operate the overseas ATM may convert the transaction amount into JPY at their own exchange rates;
- if your account balance of 17 applicable currencies is insufficient and GAIKA FULLBACK is "ON" (*Even if the GUIKA FULLBACK is "OFF", the amount may be debited from Yen Savings Account when you choose to settle by DCC transactions. More details)
- if you are using foreign currencies other than the 17 applicable currencies
- if you choose to settle in JPY (so called DCC transaction. More details)
*2The owners of ATMs may charge an additional fee separately. However if you meet all of the conditions below, the fee will be reimbursed.
- ①PRESTIA DIGITAL GOLD / PRESTIA GOLD / PRESTIA GOLD PREMIUM customers
- ②if the transaction was made from Yen Savings Account, the balance over 5,000 yen is necessary in the same account.
- ③If the transaction was made from MultiMoney Foreign Savings Account, the balance equivalent to 5,000 yen or more in withdrawn currency is necessary in the account.
  Limit number of reimbursement will be applied to each ② and ③ accounts.
  - *The conversion to yen will be calculated with the TTB rate specified by SMBC Trust Bank as of the reimburse date.

Transaction type	Transaction fee
Payment from PRESTIA MultiMoney Account Foreign Currency Savings Deposit	Free
Payment from Yen Savings Account	3%^*3

*For withdrawal in 17 applicable currencies, the amount will be debited immediately from your PRESTIA MultiMoney Account Foreign Currency Savings Deposit.

*3In the following cases, the full amount will be converted into Japanese Yen at the rate obtained by adding the predefined commission fee (3%) to the exchange rate determined by Visa, and will, in principle, be debited immediately from your Yen Savings Account. However, some Visa merchants may convert the transaction amount into JPY at their own exchange rates;
- if your account balance of 17 applicable currencies is insufficient and GAIKA FULLBACK is "ON" (*Even if the GUIKA FULLBACK is "OFF", the amount may be debited from Yen Savings Account when you choose to settle by DCC transactions. More details)
- if you are using foreign currencies other than the 17 applicable currencies
- if you choose to settle in JPY (so called DCC transaction. More details)

Fees featured here are applicable for the products and services at SMBC Trust Bank PRESTIA.
Non-resident account holders are not charged consumption tax (excluding some transactions).
Fees are subject to change without notice. For fees not shown, please inquire at a branch, etc.
The phrase "Account holders" refers solely to customers who have SMBC Trust Bank PRESTIA accounts.
Products and services featured here may not be purchasable or provided to customers for various reasons determined by SMBC Trust Bank.

These are special status introduced to customers who meet certain requirements.
If you have a status, the status name will be displayed on the online banking home screen (menu screen for the app), so please make sure, before making a transaction, to check your status at the time of transaction.

Domestic ATM