Foreign currency exchange

Transaction type	Transaction fee
	Account holders	PRESTIA DIGITAL GOLD	PRESTIA GOLD / PRESTIA GOLD PREMIUM	Non account holders
Deposit into account of same currency denomination	¥2 per US dollar ¥3 per Euro		Free up to US$5,000 or €5,000 (per day)*1	-
Withdrawal from account of same currency denomination				-
Payment for funds in same currency denomination				-

• *This service charge is required for the handling of cash in foreign currencies. The service charge is waived, however, when customers make "Foreign Currency Time Deposit" (with a term of six months or longer), "Step Up Time Deposit", or purchase mutual funds, Securities Intermediary Products, or insurance products handled by SMBC Trust Bank.

• *1Cash handling fee will be charged ¥2 / 1 US dollar or ¥3 / 1Euro in the case of cash transaction exceeding US$5,000 or €5,000 per day.

• When exchanging between currencies, the exchange rate of the transaction day, including a foreign exchange fee, will be used in addition to the above fees. However, transactions exceeding a certain amount may not be subject to the exchange rate displayed at branches.

Transaction type	Transaction fee
	Account holders	Non account holders
Individual	Free	¥2,500 / transfer
Corporate	¥2,500 / transfer*2

• *This fee is applied to overseas fund transfers (electronic transfers) made in a foreign currency or in yen, domestic remittances in a foreign currency (to SMBC Trust Bank or other banks), cross border yen transfers, and to cashing of foreign currency-denominated Traveler's Checks in the same currency.

• *2A fee of 0.05% of the remittance amount (minimum 2,500 yen) is to be applied for foreign currency denominated remittances to other domestic banks and cross border yen transfers to other domestic banks.

Transaction type	Transaction fee
	Account holders	PRESTIA DIGITAL GOLD / PRESTIA GOLD	PRESTIA GOLD PREMIUM
USD, EUR, AUD, NZD, CAD, GBP	¥1	(Buy) ¥0.5 *3 (Sell) ¥1	(Buy) ¥0.3 (Sell) ¥1
CHF, SGD, TRY	¥1
HKD, ZAR, CNY	¥0.4
NOK, SEK, DKK, MXN	¥0.3
THB	¥0.08

• *This is applied to transactions with currency conversion between yen and foreign currencies.
• *In the case of ZAR, CNY, TRY, MXN, etc., SMBC Trust Bank may restrict the conditions of the transaction including the timing of deposits, withdrawals, etc. During Market contingency etc. which SMBC Trust Bank regards it as necessary, we might suspend transactions in foreign currencies without prior notice.
• *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.

• *3For PRESTIA DIGITAL GOLD customers, the foreign exchange handling fee at the time of purchase varies depending on the transaction channel.
  • Online banking / PRESTIA Phone Banking (Automated Voice Guidance Service Transactions): ¥0.5
  • Branch / PRESTIA Phone Banking (Operator Transactions): ¥1

About Service Fee

• 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.

About PRESTIA DIGITAL GOLD / PRESTIA GOLD / PRESTIA GOLD PREMIUM

• 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.

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