Using Your Accounts

*1If you wish to receive funds in a foreign currency, you must sign a contract for PRESTIA MultiMoney Foreign Currency Savings Deposit in advance and then specify the 8-digit PRESTIA MultiMoney account number to receive the funds. If funds in a foreign currency are transferred to your account for which the above contract has not been concluded or to your Yen Savings Account, the funds will be deposited to your account after being converted to yen using the rate predetermined by the bank.

*Foreign currency deposits entail some risks such as loss of principal in Japanese yen. Please see here for the details.

Foreign Currency Cash
At our branches, you can withdraw foreign currency cash from your own account (bills only). Applicable currencies: US dollar, Euro

*Normally, a cash-handling fee of 2 yen per US dollar and 3 yen per Euro is charged.

Deposit Insurance for Yen Deposits
Only principal up to 10 million yen totaling all deposits you have with us that are in the scope of Deposit Insurance and interest until the insurable contingency are covered by Deposit Insurance.

Yen Savings Account (account number : 7 digits)

For day-to-day deposits and withdrawals
For receiving salaries and pension payments
Automatic withdrawal for utilities, credit card bills and insurance premiums

Yen Savings Account (7 digits) BankingcardBimg

Currency

Yen

Cashless Shopping

In Japan : Shopping
Shopping at Visa/iD/J-Debit merchants (including online stores).

Details
Overseas: Shopping (withdrawn from Yen Savings Account)
Shopping at Visa merchants (including online stores).

Details

Deposit/Withdrawal

In Japan : Deposit/Withdrawal
Use ATMs at affiliated financial institutions.

Details
Overseas : Withdrawal (withdrawn from Yen Savings Account)
Use ATMs with Visa or PLUS logo.

Details

PRESTIA MultiMoney Account (account number : 8 digits)

(For asset management and to deposit foreign currencies for use abroad)

Customers performing foreign currency deposit transactions for the first time (including receiving transfers in foreign currency) will be required to submit a PRESTIA MultiMoney Foreign Currency Savings Deposit application.

Applicable Currencies

Japanese Yen (JPY), US Dollar (USD), Australian Dollar (AUD), New Zealand Dollar (NZD), British Pound (GBP), Canadian Dollar (CAD), Euro (EUR), Swiss Franc (CHF), Singapore Dollar (SGD), Hong Kong Dollar (HKD), Chinese Yuan Offshore (CNY*), Thai Baht (THB), South African Rand (ZAR), Turkish Lira (TRY), Mexican Peso (MXN), Norwegian Krone (NOK), Swedish Krona (SEK), Danish Krone (DKK)

*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.

Cashless Shopping

Overseas : Shopping (withdrawn from PRESTIA MultiMoney Account Foreign Currency Savings Deposit)

Shopping at Visa merchants (including online stores).

VISA

Details

Deposit/Withdrawal

Overseas : Withdrawal (withdrawn from PRESTIA MultiMoney Account Foreign Currency Savings Deposit)

Use ATMs with Visa or PLUS logo.

VISA PLUS

Details

Overseas remittance

PRESTIA customers can transfer funds to overseas and receive funds from overseas in Japan.

Details

There are cases where remittances of CNY, TRY, MXN, etc. may not be offered.

At SMBC Trust Bank PRESTIA, we use profiling (a series of questions related to asset management) to understand the amount of risk you are able to accept. The answers received in profiling, and the risk acceptable to the customer, are expressed numerically as a "customer risk tolerance (risk score)". Please be aware that investment in a product is not possible if the customer risk score is below the product risk level. Please note that the risk score is valid for 1 year from the obtained date.

Bank Statement

SMBC Trust Bank PRESTIA does not issue a bankbook for your account. You can view bank statements on online banking that contain information such as all your account balances, as well as transaction details.

Please refer to the GLOBAL PASS Member's Website for detailed statements of shopping at Visa/iD merchants.