We provide you with special privileges depending on your transaction status.

Total Average Monthly Relationship Balance equivalent to ¥50 million or more PRESTIA GOLD PREMIUM Total Average Monthly Relationship Balance equivalent to ¥10 million or more PRESTIA GOLD PRESTIA GOLD is a special service available to selected customers. Dedicated consultants for asset management Fee-waiver and discounted fee services Special benefits offered including extra cashback bonus or ANA mile Total Average Monthly Relationship Balance for the month before the previous month is equivalent to ¥1 million or more ATM service fees will be free (or refunded) for up to 100 transactions per month at ATMs at SMBC Trust Bank's affiliated financial institutions More details Fees for domestic yen fund transfers and overseas remittances made via online banking will be discounted Total Average Monthly Relationship Balance for the previous month is equivalent to ¥500,000 or more, or the foreign currency portion of the balance is equivalent to ¥200,000 or more Monthly account maintenance fee is waived

PRESTIA GOLD PREMIUM Total Average Monthly Relationship Balance equivalent to ¥50 million or more PRESTIA GOLD Total Average Monthly Relationship Balance equivalent to ¥10 million or more PRESTIA Total Average Monthly Relationship Balance for the month before the previous month is equivalent to ¥1 million or more Total Average Monthly Relationship Balance for the previous month is equivalent to ¥500,000 or more, or the foreign currency portion of the balance is equivalent to ¥200,000 or more

PRESTIA GOLD PREMIUM

Total Average Monthly Relationship Balance equivalent to ¥50 million or more

PRESTIA GOLD

Total Average Monthly Relationship Balance equivalent to ¥10 million or more

PRESTIA GOLD is a special service available to selected customers.

  • Dedicated consultants for asset management
  • Fee-waiver and discounted fee services
  • Special benefits offered including extra cashback bonus or ANA mile

PRESTIA

Total Average Monthly Relationship Balance for the month before the previous month is equivalent to ¥1 million or more

  • ATM service fees will be free (or refunded) for up to 100 transactions per month at ATMs at SMBC Trust Bank's affiliated financial institutions
    More details
  • Fees for domestic yen fund transfers and overseas remittances made via online banking will be discounted

PRESTIA

Total Average Monthly Relationship Balance for the previous month is equivalent to ¥500,000 or more, or the foreign currency portion of the balance is equivalent to ¥200,000 or more

  • Monthly account maintenance fee is waived

About the Monthly Account Maintenance Fee

SMBC Trust Bank PRESTIA automatically withdraws a monthly account maintenance fee of 2,200 yen (including tax) from your account on the second business day of each month.
However, if you meet any one of the following conditions in the month prior to the month when the fee is to be withdrawn, the monthly account maintenance fee for the month will be waived.

Conditions for a waiver of the monthly account maintenance fee

Transactions eligible for a fee waiver Conditions
1 Total Average Monthly Relationship Balance The balance for the previous month is equivalent to 500,000 yen or more.
2 Total Average Monthly Relationship Balance (foreign currency portion) The balance in foreign currency for the previous month is equivalent to 200,000 yen or more.
3 Loans Having a loan balance as of the end of the previous month (excluding PRESTIA MultiMoney Credit).
4 PRESTIA MultiMoney Credit Having a PRESTIA MultiMoney Credit loan balance as of the specific time on the final business day of the previous month designated by SMBC Trust Bank.
5 Affiliated credit card of SMBC Trust Bank Being the credit card holder as of the 25th of the previous month (or if the 25th falls on Sat/Sun/national holiday, as of the previous business day).
6 Foreign Currency Deposit Service Having applied for Foreign Currency Deposit Service and deposited certain times after the initial withdrawal.

Please contact the bank for other conditions eligible for a fee waiver.

What is the Total Average Monthly Relationship Balance?

"Total Average Monthly Relationship Balance" is the sum of the average monthly balances of each product in your SMBC Trust Bank PRESTIA accounts. Your Total Average Monthly Relationship Balance is written in your bank statement.

Note: This is not the same as the balance as of the end of the month.

① Add up the end-of-day balances for each product and divide by the number of days in that month to calculate the 'average monthly balance'.

② Add up the 'Average Monthly Balance' for each product to calculate the Total Average Monthly Relationship Balance.

  • *1For insurance products, the Total Average Monthly Relationship Balance is calculated based on the balance as of the last business day of every month.

More details

First month of monthly account maintenance fee withdrawal < quick reference table >

Monthly account maintenance fees are waived for the first three months for all customers, including the month in which the account was opened*1.

Account opening month*1 Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec.
First month when a fee waiver judgement is to be made Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. Jan. of following year Feb. of following year
First month when a fee is to be withdrawn*2 Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. Jan. of following year Feb. of following year Mar. of following year
  • *1 An account opening month refers to the month in which your account was opened. Please note if you put in an application for account opening at the end of a month, your account opening month may become the following month.
  • *2A monthly account maintenance fee is withdrawn on the second business day of each month.

(Example) If you opened an account in January:

Jan. Feb. Mar. Apr. May
Free Free Free
(A fee waiver judgement is to be made)
Fee withdrawn
(Free if you meet any one of the conditions for fee waiver in March)
Fee withdrawn
(Free if you meet any one of the conditions for fee waiver in April)
Check on video About the Monthly Account Maintenance Fee