Please refer to the tables below for codes and Japanese translations of technical words in English.

• ISO Currency Codes
• Bank Transaction Codes Prior to the System Change in July 2018

The amount displayed as the cash card usage limit is the daily limit that can be withdrawn or transferred using your cash card (excluding corporate accounts) in one day (0:00-23:59 JST), and is not your account balance.

For inquiries regarding the cash card usage limit for a corporate account, please visit your nearest branch or call PRESTIA Phone Banking.

• A fund transfer cannot be cancelled once it has been requested.
• If the payee cannot be verified because, for example, the payee's name you input and the account holder's name on the beneficiary account do not match, the amount will be returned to your account.
• Fund transfer fees you have already paid are non-refundable under any circumstances.

<Domestic Fund Transfer (Unregistered Payee)>

• You must input a Transaction Signing Code in addition to a One Time Password (OTP) to use the Domestic Fund Transfer (Unregistered Payee) menu. Please refer to the One Time Password (OTP) section for details on the OTP service.
• We recommend using the Domestic Fund Transfer (Registered Payee) menu, instead of the Domestic Fund Transfer (Unregistered Payee) menu, for important or frequent transactions.
• If a fund transfer cannot be completed due to problems such as that you input a wrong beneficiary name, the transfer amount will be returned to the source account and one of our representatives will contact you. Please note that the fund transfer fees you have already paid are non-refundable.
• If the automatic search of the payee's name does not work, you must type in the payee's name in katakana or the Latin alphabet (up to 48 characters). Please leave a space between the first and last name.
• The payee's name will be displayed in single-byte characters on the final confirmation page.

<Domestic Fund Transfer (Registered Payee)>

• Fund transfers to registered payees may not be completed due to changes in branch name, branch number, account number, etc. of the payee as a result of the name change of the payee's financial institution and/or closures or consolidations of branches resulting from the merger, etc., of the financial institution. In cases where there have been changes in the payee's account information, you must re-register this payee.
• If you want to register payees in advance in writing, please download the PDF application form from online banking, fill it out and send it to SMBC Trust Bank by post.
• You can delete a payee registered on your Registered Payee List from the Registered Payee List menu.

• You need to notify your My Number (Individual Number/Corporate Number) the first time you transfer or receive funds to or from overseas via a SMBC Trust Bank PRESTIA account opened on or after January 1, 2016. Also, for remittance to and receipt of funds from overseas accounts, all customers (residents) must notify his or her My Number (Individual Number/Corporate Number) in advance from January 1, 2022.
• As a rule, fund transfers will be made under your registered account name. In the case of Overseas Remittance where the account name is a trade name, a nickname, etc. that differs from your real name, the beneficiary bank and the beneficiary may be notified of your real name to comply with relevant laws and for other reasons. Please note that a remittance on behalf of a third party (an individual or a Corporation) or for business purposes is not accepted.
• If you cannot find the reason for your remittance in the drop-down menu, please use the PRESTIA Phone Banking service.
• You must register payee information in advance to use the Overseas Remittance service. You can also use the eForm - Overseas Remittance Registration (Foreign Currency) menu on online banking for registration.
• To perform foreign currency deposit transactions for the first time (including to receive funds in foreign currency via fund transfer) you must conclude a PRESTIA MultiMoney Foreign Currency Savings Deposit Contract.

• There are two kinds of Chinese Yuan: Offshore RMB (Renminbi) funded in the offshore market, and onshore RMB which circulates on Mainland China.
• SMBC Trust Bank handles Chinese Yuan offshore only.

After funds are converted into the designated currency as a result of the execution of a transaction, it will be deposited into your designated Savings account.

Foreign Currency Time Deposits, including those automatically renewed, may not be cancelled before maturity.

Monthly Smile Deposits may not be cancelled before maturity.
Interest from the Monthly Smile Deposits may only be paid in Yen or the currency of your Monthly Smile Deposits. The interest payment currency cannot be changed during the term of the deposits.
If you select to receive your Monthly Smile interest in the foreign currency of your deposit, your interest will be deposited into your PRESTIA MultiMoney Foreign Currency Savings Deposit. Only when you select to receive your interest in Yen, your interest will be deposited into your Yen Savings account.
If the interest payment currency differs from the currency of your deposit, the interest will automatically be converted into your selected currency using the TTB rate as of the day of the interest payment.

Special promotional interest rates will be applied until the first maturity date.

• Corporate customers cannot change their registered E-mail addresses.
• You can change your registered E-mail address from the E-mail Registration / Maintenance menu.
• GLOBAL PASS related mails can be managed from GLOBAL PASS Member's Website.
• It is possible to register E-mail addresses up to 60 characters in length.
• You may not receive E-mails from SMBC Trust Bank at your registered address if your Internet provider misidentifies them as spam or junk mails. Please adjust the settings so that E-mails can be received from "smbctb.co.jp" by referring to your Internet provider's website, etc. (domain registration)

• To use the OTP service, you must apply for a token (OTP display device). Please apply for one on online banking.

• *OTP is valid from the time they are entered on online banking until you sign off, except for the first valid OTP or when you have reapplied for a new token and you use your new token for the first time. For your safety, please make sure to sign off from online banking when you leave your PC or once you complete transactions.

• Applications for a token can only be submitted via online banking.
• A token will be sent to you at your registered address by registered mail within a few business days after you submit an application via online banking. If you are not at home to receive your token, an Undeliverable Item Notice will be posted. Please receive your token by following the instructions on the notice. Please note that, for your account protection, your application for a token will be cancelled if the token is returned to SMBC Trust Bank due to "address unknown" or after several delivery attempts.
• If you do not receive your token within a week or so after applying for a token, please contact PRESTIA Online Helpdesk.

• If you have lost your token, if your token is broken or malfunctioning, or if a low battery alert appears on your token, please apply for Replacement Token from "OTP(Replace Token)" menu via online banking.
  After the above procedure, you will no longer be able to use your current token.

• *Notes relating to the use of your token

• Please do not write down your account number, password or other important information on your token.
• Please store your token with great caution so that it will not get lost or stolen.
• An alert will be displayed when your token's batteries become low. In such cases, please make a request to get a new token issued.
• Tokens and the OTP service may only be used by SMBC Trust Bank customers for the purpose of using the bank's services.

• This application is only for advance registration of payees. Please use online banking or call PRESTIA Phone Banking after completing the registration to make a remittance. To make changes to registered payees, you must first delete the original registration and re-register with new information.
• To delete a registered payee, please go to the Registered Payee List under Fund Transfers on online banking.
• Registration requests may be denied in cases such as no correspondence with the payee's bank, remittance registration for the purpose of opening an account at another bank and remittances to accounts in a country subjected to economic sanctions.
• With Overseas Remittances, beneficiary banks and/or intermediary banks may deduct their charges from the amount being remitted.

• *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.