Foreign Currency Deposit

Special Benefits Offered

ENJOY PLUS Gold

"ENJOY PLUS" offers an add-on interest rate in addition to the base interest rate until the first maturity date when you use your yen funds to start a Foreign Currency Time Deposit in a specified currency for a specified term. PRESTIA DIGITAL GOLD/PRESTIA GOLD/PRESTIA GOLD PREMIUM customers will receive a higher add-on interest rate as "ENJOY PLUS Gold."

Add-on interest rate when depositing using yen funds ENJOY PLUS Base interest rate ENJOY PLUS Gold Base interest rate Add-on interest rate for gold status customers when depositing using yen funds Add-on interest rate when depositing using yen funds ENJOY PLUS Base interest rate ENJOY PLUS Gold Base interest rate Add-on interest rate for gold status customers when depositing using yen funds
Eligible Currency
US Dollar | Australian Dollar | New Zealand Dollar | Canadian Dollar | Euro
Eligible Term
2 weeks, 1 month, 3 months, 6 months, 12 months

Click here to see the list of add-on interest rates.

Foreign Currency Time Deposit Interest Rates

Choose "ENJOY PLUS Gold" to check the applicable add-on interest rates.

  • For PRESTIA DIGITAL GOLD customers, please use online banking for transactions, where they can enjoy 50% discount on foreign exchange commissions for purchasing foreign currency, in addition to "ENJOY PLUS Gold."
  • ENJOY PLUS add-on interest rates apply only until the first maturity date and will not apply after that even in case of auto renewal.
  • For some currencies, add-on interest rates do not apply for certain terms.
  • The provision of add-on interest rates may be revised for some currencies, or the add-on interest rate applicable term may be changed, without any prior notice.
  • When you start an ENJOY PLUS Gold time deposit via online banking or PRESTIA Phone Banking Automated Voice Guidance Service, please make a deposit by transferring funds directly from your Yen Savings Account or PRESTIA MultiMoney Yen Savings Account. Please note that if you deposit yen funds first to your Foreign Currency Savings Account and then transfer the funds to start a time deposit in the same currency, add-on interest rates will not apply to the time deposit.
  • Only individual customers are eligible for the ENJOY PLUS Gold add-on interest rates.

Add-on Interest Rate by deposit amount

When you transfer 20 million yen or more (in yen equivalent) from your yen account or foreign currency account to start a foreign currency time deposit, an add-on interest rate will be applied regardless of your status.
For transactions, higher interest rate between ENJOY PLUS and Add-on Interest Rate by deposit amount will be applied.
Please confirm applicable interest rate when you make a transaction.

Eligible Currency
US Dollar, Australian Dollar, New Zealand Dollar, British Pound, Canadian Dollar, South African Rand, Norwegian Krone
Eligible Term
Vary by currency

Click here to see the list of add-on interest rates.

Foreign Currency Time Deposit Interest Rates

Choose "Add-on Interest Rate by deposit amount" to check the applicable add-on interest rates.

  • For some currencies, add-on interest rates do not apply for certain terms.
  • Add-on interest rates might be revised without notice due to changes in the market environment, among other reasons.

Cross Currency Transactions

Cross currency transactions let you convert a foreign currency you already have into a different currency, after converting it temporarily into yen. For example, you might convert Euros to US dollars, or Australian dollars to British pounds.
For PRESTIA DIGITAL GOLD/PRESTIA GOLD/PRESTIA GOLD PREMIUM customers, we offer discounts on foreign exchange commissions for cross currency transactions. Specifically, exchange commissions when converting foreign currency to yen will be free while the commissions when converting yen to foreign currency, included in the TTS rate, will be discounted by 70%.

Ex. Exchange from Euros to British pounds

Normal For transaction amounts less than 1 million yen equivalent EUR YEN GBP Foreign exchange commission per unit of foreign currency 1yen Foreign exchange commission per unit of foreign currency 1yen Foreign exchange commissions apply to this transaction twice. For transaction amounts equivalent to 1 million yen or more EUR YEN GBP Foreign exchange commission per unit of foreign currency 0yen Foreign exchange commission per unit of foreign currency 1yen Foreign exchange commissions apply only once. flag image currency image PRESTIA DIGITAL GOLD/PRESTIA GOLD/PRESTIA GOLD PREMIUM customers Enjoy preferential foreign exchange commissions regardless of the transaction amount. EUR YEN GBP oreign exchange commission per unit of foreign currency Foreign exchange commission per unit of foreign currency 0yen Foreign exchange commission per unit of foreign currency 0.3 yen Regardless of the transaction amount, foreign exchange commission is charged only once and discounted by 70%. flag image currency image
  • For a cross currency transaction involving 1 million yen or more equivalent, foreign exchange commissions for converting a foreign currency held to yen will be free and the exchange commissions for converting yen to a different currency will be 1 yen per unit of the currency at the highest (e.g. USD).
  • Please keep in mind that this preferential treatment as it applies to foreign exchange does not apply when conducting the exchange from foreign currency to yen and then from yen to foreign currency at separate times.
  • The discount on foreign exchange commission for cross currency transaction is rounded down to two decimal place. Therefore, the discount rate might be less than 70% depending on the currency.
Please note
This product entails some risks such as loss of principal in Japanese yen.
Please read "Information Memorandum and Pre-Contract Document" carefully and make sure you have full understanding of the product, associated risks, and commissions before making a transaction.
Please see here for the details of Risk of loss of principal, Commissions, Other considerations and available currencies, etc.

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