PRESTIA GOLD PREMIUM Wealth management
to realize a prosperous life

PRESTIA GOLD PREMIUM is offered to customers with a Total Average Monthly
Relationship Balance equivalent to 50 million yen or more along with a Total Average
Monthly Wealth Management Balance equivalent to 10 million yen or more.

Status privileges

Service fee discount

PRESTIA GOLD PREMIUM customers can enjoy free or discounted service fees through all transaction channels (via online banking, telephone and at our branches).

  • Fees for domestic
    yen fund transfers

    • Transfer funds free of charge not only to another SMBC Trust Bank account but also to an account at other banks
    • *Not applicable to cash transfers using ATMs.
  • Fees for overseas remittances Free

    • Transfer funds overseas free of charge both in foreign currency and yen
    • *The payee must have been registered in advance.
  • Foreign exchange fees
    for purchasing foreign currency
    70% OFF

    • 70% discount
      on foreign exchange commission
      for purchasing foreign currency
      (6 currencies only*)
    • *USD | AUD | NZD | GBP | CAD | EUR
  • Foreign currency cash handling fees Free

    • Foreign currency cash handling fees
      when depositing/withdrawing
      USD or EUR in cash
      at our branch will be free up to
      US$5,000 or €5,000 per day.
  • Foreign exchange commissions
    for cross currency transactions
    (converting a foreign currency
    to another currency)

    • For cross currency transactions,
      foreign exchange commissions when
      converting foreign currency
      to yen will be free
      and those
      when converting yen to foreign
      currency, included in the TTS rate,
      will be discounted by 70%.
More details

Dedicated Services

In addition to consultations with our wealth advisory specialists on business succession or inheritance-related concerns solve their issues, we also invite you to our Premium event for a special time.

Special privileges for family members
Family Premium Service

If your family members also have an account with SMBC Trust Bank, one family member will be invited to the PRESTIA GOLD PREMIUM status and the same privileges will be offered to them as well.
Please contact our dedicated consultants if you want the status extended to your family members.

Wealth advisory service

Wealth advisory specialists will help customers with business succession or inheritance-related concerns solve their issues, offering to customers who may lack expert knowledge easy-to-understand explanations about procedures related to business succession and inheritance-related preparations.
To propose specific measures, wealth advisory specialists work with external professionals to identify measures and solutions that are most suitable for each customer.

Dedicated line for PRESTIA GOLD PREMIUM customers

An exclusive PRESTIA Phone Banking service for PRESTIA GOLD PREMIUM customers is available to respond to their requests. Regardless of whether you are in Japan or overseas, our PRESTIA GOLD PREMIUM customer service representatives are available over the phone.
The dedicated line has no Automated Voice Guidance and does not require the input of T-PIN.

  • You will be asked to enter your account number and T-PIN when inquiring about account balance or conducting a transaction.

Premium event

Various events are held for PRESTIA GOLD PREMIUM customers to spend a special time. Please enjoy original events that only SMBC Trust Bank can present.

  • Classical concert and theatrical play
  • Salon concert by young musicians
  • Lecture session by a prominent figure
  • Economic and financial seminar by our analyst
  • Round of golf with a well-known professional golfer, and others
  • All premium events are on an invite-only basis.

Transfer funds from overseas
Exclusive privilege for

Special cash awards are offered to PRESTIA GOLD PREMIUM customers, when transferring funds in foreign currency from overseas to PRESTIA.

Other privileges for PRESTIA GOLD PREMIUM customers

  • Cashback bonus or ANA mile benefits offered (depending on the type of GLOBAL PASS held by the customer)

  • Add-on interest rate for foreign currency time deposit and discount on foreign exchange commissions for cross currency transactions (when converting a foreign currency to another currency)

  • Preferential programs available for various loan products that can also be used for high-priced properties

Please contact us for inquiries:



8:00-20:00, weekdays / toll-free

Timing of status change

Status reflection (upgrading)

Customers fulfilling eligibility requirements for PRESTIA GOLD PREMIUM status can apply at our branch or via telephone. Please inquire about the timing of status reflection.

  • The timing of status reflection may be delayed. Please make sure, before making a transaction, to check your status at the time of transaction.

Termination or change of status

We may terminate or change your status if the requirements for PRESTIA GOLD PREMIUM status have not been met for a certain period.

How to check your status

You can check your status via online banking.

  • PRESTIA Online > Home

  • PRESTIA Mobile > Home

  • App > Menu

  • Regardless of the account balance, the bank may be unable to provide a customer with a special status based on comprehensive judgment.
  • The bank may, without any prior notice, terminate the provision of a status to a customer based on comprehensive judgment, if it judges that the customer is taking advantage of status privileges through transactions with wrongful or unreasonable methods/contents as compared to regular, reasonable transaction methods/contents.