Guide to SMBC Trust Bank PRESTIA Services

Transcription

1 Guide to SMBC Trust Bank PRESTIA Services Service Fee List Fees featured here are applicable for the products and services at SMBC Trust Bank PRESTIA. For fees designated excluding tax, consumption tax will be charged separately. Fees are subject to change without notice. For fees not shown, please inquire at a branch. The phrase refers solely to with SMBC Trust Bank PRESTIA accounts. Products and services featured here may not be purchasable or able to be provided to for various reasons determined by SMBC Trust Bank. The trademarks Citi, Citibank and Citigold and all similar trademarks and derivatives thereof or other trademarks owned or used by Citigroup Inc. are displayed herein under the express permission of Citigroup Inc. and related entities.

2 Fund transfers in foreign currencies / Cross border fund transfers Domestic fund transfers in yen Transferring funds Transfers within SMBC Trust Bank Fund transfers to other banks via Zengin Foreign currency transfers Overseas Domestic Electronic transfers Cross border yen transfers ATMCash ATMBanking Card PRESTIA Online PRESTIA Mobile Transfer cancellation/ amendment ATMBanking Card PRESTIA Online PRESTIA Mobile Transfer cancellation/ amendment SMBC Trust Bank branch Other banks in Japan Other banks in Japan PRESTIA Online Transfer cancellation/ amendment/inquiry Instruction of corresponding bank feepay in full 300 (excluding tax) /transfer 400 (excluding tax) /transfer 248 (excluding tax) /transfer Fee 2,000, transfer fee 2,000 3,500/transfer 153 (excluding tax) /transfer 2,000/transfer equivalent to 1 million yen or more Fee 2,000, transfer fee 2,000 2,500/transfer Fee 500, transfer fee 2,000 2,000/transfer Fee 1,500, 2,000 No fee, transfer fee transfer fee 2,000 2,500/transfer* 2 1,500/transfer * (excluding tax) /transfer The payee must have been registered in advance to use or PRESTIA Mobile. Transferring funds via PRESTIA Online or PRESTIA Mobile is not available for corporate account. Non-resident account are charged under a different fee structure. The payee must have been registered in advance to use or PRESTIA Mobile. Transferring funds via PRESTIA Online or PRESTIA Mobile is not available for corporate account. If non-resident account request a domestic fund transfer, beneficiary bank may contact the beneficiary to confirm about purpose of remittance, or may deduct a separate fee as lifting charge etc. from the fund. Non-resident account are charged under a different fee structure. *1 Although a service charge is deducted when you make Payments via Zengin from an ATM, your account will be reimbursed by the same amount on the day of the transaction. Resending a transfer that has been canceled will require payment of another transfer fee. Non-resident account are charged under a different fee structure. Non-account and corporate account who wish to send funds denominated in the same currency as the appropriated funds will be subject to a separate lifting fee of 2,500 yen. Corporate account who wish to send funds denominated in the same currency as the appropriated funds will be subject to a separate lifting fee of 0.05% of the amount (minimum 2,500 yen). Corporate account wishing to pay in yen will be subject to a separate lifting fee of 0.05% of the amount (minimum 2,500 yen). If a yen fund transfer to another bank in Japan is requested and the payee account is that of a non-resident, the transaction shall be treated as a cross border yen transfer. Corporate account who request transfers denominated in the same currency as the appropriated funds will be subject to a separate lifting fee of 2,500 yen per incidence. When sending funds overseas, the intermediary bank that processes the transaction may charge a separate fee. Resending a transfer that has been canceled will require payment of another transfer fee. The payee must have been registered in advance to use or PRESTIA Online. If funds are transferred overseas using PRESTIA Online and the withdrawal account is a Foreign Currency Savings account, the equivalent of the yen fee will be calculated in the foreign currency using the appropriate TTB rate and then deducted from the account. Transferring funds overseas via PRESTIA Online is not available for corporate account. In addition, individual cannot transfer funds for business purposes via PRESTIA Online. When making yen transfers to overseas banks, cross border yen transfers will be applied. (This applies only for yen accounts.) The payee cannot be registered in this case. *2 Transfer cancellation/amendment/inquiry is free for fund transfer to SMBC Trust Bank branch in foreign currencies. If the sender wishes to pay for any intermediate bank fees, a separate flat fee of 1,500 yen is required. This service can only be used at branch or by mail. This service is not available for fund transfers to a customer s own account and domestic fund transfers of foreign currencies in principle. The beneficiary must bear the paying (beneficiary) bank fees. For that have newly opened an account, fees shall be applied at the same level as whose Total equivalent to 1 million yen or more until the end of the second month after the account was established (including the month the account was established). When exchanging between currencies, the exchange rate of the transaction day, including a foreign exchange fee, will be used in addition to the above mentioned fees. However, transactions exceeding a certain amount may not be subject to the exchange rate displayed at bank branches. For fees designated excluding tax, consumption tax will be charged separately. Your Total Balance of the previous month will be determined early morning on the first business day of every month. Therefore, the Total Balance of the month before the previous month shall be used to determine an eligibility for a fee waiver of the fund transfers conducted between the time after the last business day of the month and the time before determining your Total Balance on the first business day of the next month.

3 Fixed-amount automatic remittance/transfer Domestic Overseas Transfers within SMBC Trust Bank Transfers to other banks in Japan Electronic transfers Checks Fee 2,000, transfer fee 2,000 When exchanging between currencies, the exchange rate of the transaction day, including a foreign exchange fee, will be used in addition to the above mentioned fees. However, transactions exceeding a certain amount may not be subject to the exchange rate displayed at bank branches. For fees designated excluding tax, consumption tax will be charged separately. Your Total Balance of the previous month will be determined early morning on the first business day of every month. Therefore, the Total Balance of the month before the previous month shall be used to determine an eligibility for a fee waiver of the fund transfers conducted between the time after the last business day of the month and the time before determining your Total Balance on the first business day of the next month. equivalent to 1 million yen or more 2,500/transfer Fee 500, transfer fee 2,000 equivalent to 1 million yen or more Cashier s 1,000 (excluding tax) /check Issuance Collections Checking account checkbooks Overseas remittance Domestic Japanese Overseas Crossed from other banks in Japan Promissory notes US dollar-denominated Other foreign currencydenominated Checks for overseas individual collection 500 (excluding tax) /checkbook 2,800/check 600 (excluding tax) /check 600 (excluding tax) /check 2,000/check 2,500/check 5,000/check Corporate account who request the creation of remittance denominated in the same currency as the appropriated funds will be subject to a separate lifting fee of 2,500 yen. When the collection involves overseas, the service fee is waived for Citibank -related. When the collection involves overseas, the date of deposit is set after a retention period of 5 or 15 business days. This retention period is subject to change, however, depending on communications or other conditions. The date of deposit and the date of cashing which are credited to an account vary according to the transaction. Please contact us for details. Handling fees include fees for collection and communications by SMBC Trust Bank. Customers are responsible for payment of additional fees assessed by the paying bank. Checks may be handled as individual collection at SMBC Trust Bank s discretion. In the case of individual collection, the date of deposit is determined after collection is confirmed. Traveler s Checks * 3 * 3 Cashing of foreign currency-denominated Traveler s Checks paid in the currency in which the check is denominated, foreign currency cash transaction fee will be charged (US dollar and Euro are only available for cash). A foreign exchange handling fee ( lifting fee ) of 2,500 yen will be separately charged for non account. *3 A fee of 5,000 yen per transaction will be charged in the case of individual collection in Traveler s Checks. Stop payment Cashier s Bank Overseas remittance 1,000 (excluding tax) /check 1,000 (excluding tax) /check Fee 2,500, 4,500/check transfer fee 2,000 Dishonored check Domestic Japanese Overseas 4,000 (excluding tax) /check 5,000/check Checks issued and payable in Japan. Checks issued and/or payable overseas. When exchanging between currencies, the exchange rate of the transaction day, including a foreign exchange fee, will be used in addition to the above mentioned fees. However, transactions exceeding a certain amount may not be subject to the exchange rate displayed at bank branches. For fees designated excluding tax, consumption tax will be charged separately.

4 Foreign currency cash handling fee Foreign exchange feeper currency unit, one way Foreign currency exchange Deposit into account of same currency denomination Withdrawal from account of same currency denomination Payment for funds in same currency denomination Individual Corporate USD, EUR, AUD, NZD, CAD, GBP, CHF HKD, ZAR NOK THB equivalent to 1 million yen or more 2,500/transfer * up to US$5,000 or 5,000 (per day) *4 2,500/transfer This service charge is required for the handling of cash in foreign currencies and is charged in addition to other service charges. The service charge is waived, however, when make Foreign Currency Time Deposit, Step Up Time Deposit (in the same currency with a term of six months or longer), or purchase mutual funds, intermediate securities products, or insurance products handled by SMBC Trust Bank. Only branches are able to handle transaction involving cash in foreign currencies. These services are not available at any of the mini branches. *4 Cash handling fee will be charged 2/ 1 US dollar or 3/ 1 Euro in the case of cash transaction exceeding US$5,000 or 5,000 per day. This fee is applied to overseas fund transfers made in a foreign currency or yen, domestic remittances in foreign currency (to SMBC Trust Bank or other banks ), cross border yen transfers, the issue of foreign currency remittance, and to cashing of foreign currency-denominated Traveler s Checks paid in the currency in which the check is denominated. *5 A fee of 0.05% of the remittance amount (minimum 2,500 yen) is applied for US dollar remittances and cross border yen transfers to other domestic banks. This is applied to transactions when exchanges between yen and foreign currencies are required. We regret that we are unable to accept requests for new Thai baht savings or deposit accounts at the present time. When exchanging between currencies, the exchange rate of the transaction day, including a foreign exchange fee, will be used in addition to the above mentioned fees. However, transactions exceeding a certain amount may not be subject to the exchange rate displayed at bank branches. Other Banking Card cash card replacement IC Banking Cardcash card issuance/replacement Supplementary Card issuance Issuance of balance certificate Certification of personal information Issuance of other certificate Reissuance of Consolidated Bank Statement Overseas CD/ATM service fee Certificates requiring special descriptions such as succession and certificates requiring a certain form specified by an auditing firmorders may be placed at a branch or by mail. Banking Card PRESTIA Gaika Cash Card 1,000 (excluding tax) /card 1,000 (excluding tax) /certificate 1,000 (excluding tax) /certificate 1,000 (excluding tax) /certificate 500 (excluding tax) /statement 200 (excluding tax) /withdrawal US$2/withdrawal equivalent to 1 million yen or more One Time Password display devicetoken reissuance 1,000 (excluding tax) /device For fees designated excluding tax, consumption tax will be charged separately. 1,000 (excluding tax) /card * 6 1,000 (excluding tax) /card Delivery by mail 800 (excluding tax) /certificate Pick up at bank branch 1,000 (excluding tax) /certificate Delivery by mail 1,000 (excluding tax) /certificate Pick up at bank branch 1,000 (excluding tax) /certificate (Fee will be returned) *7 1,000 (excluding tax) /certificate Biometric authentication for IC Banking Cards is free. *6 Issuance is free of charge for the first time only. A fee of 1,000 yen (excluding tax) will be required for reissuance. Depending on the circumstances, SMBC Trust Bank branches can issue certificates in response to urgent requests, but should confirm in advance via whether or not a certificate can be issued urgently. For the urgent issuance of a certificate, a handling fee of 2,000 yen (excluding tax) is assessed per certificate. Even if a branch can respond to an urgent request to issue a certificate, requests cannot be fulfilled on the same day. A fee of 3,000 yen (excluding tax) will be charged for the disclosure of information other than the items specified for disclosure. Customers who have chosen e-statementsif multiple Consolidated Bank Statements are needed for a specific month, reissuance requested for the first paper statement each month is free. For the second paper statement and beyond, the handling fee is 500 yen (excluding tax) per statement. When requesting Consolidated Bank Statements for multiple months, there is no charge for up to six months worth of statements, and you may request the reissuance of paper statements. A fee of 500 yen (excluding tax) per statement will be assessed for the seventh month and beyond. No charge is assessed for PDF file statements but available only for the last three months. No fee is charged for balance inquiries. In some cases the owners of CDs/ATMs may charge an additional fee for the use of their machines. Please also note that network fees may apply. When withdrawing US dollars with Banking Card at a CD/ATM in the US, the rate used will be the official SMBC Trust Bank TTS rate posted on the date of the exchange, plus an additional 3%. When withdrawing funds in other currencies, the amount will first be converted into US dollars using the affiliated institution s rate, after which the amount in yen will be calculated, using the rate described above. *7 In some cases, a service charge is not deducted when a transaction is made at a CD/ATM. There is no fee for the initial issuance of a token. Only one token may be registered per account holder.

5 CD/ATM Usage Fees at Domestic Affiliated Financial Institutions When using a CD/ATM at a domestic affiliated financial institution, a fee ranging from 100 yen (excluding tax) to 300 yen (excluding tax) will be charged depending on the time period, except in the following cases. Customers who have opened new accounts can use CDs/ATMs for free (fee will be refunded) up to 20 times per month until the end of the second month after opening the account, regardless of their Total Average Monthly Relationship Balance. Customers with a Total Average Monthly Relationship Balance for the previous month equivalent to 1 million yen or more and / PREMIUM can use CDs/ATMs up to 100 times per month for free (fee will be refunded). However, to be eligible for the free withdrawal (reimbursement) service when using major bank or regional bank CDs/ATMs, are required to have a balance of 5,000 yen or more in the account of their Banking Card (Yen Savings account, or Yen Checking account). A CD/ATM charge is deducted when a transaction is made at a CD/ATM, but the same amount will be credited to the account later. About status is a special service available to selected who maintain a Total Average Monthly Relationship Balance equivalent to 10 million yen or more and have asset management needs for products such as foreign currency denominated products. In cases where SMBC Trust Bank judges that there has been abusive or unreasonable use of services, SMBC Trust Bank reserves the right to rescind status in accordance with reasonable standards for fair use of services.

6 Normally, SMBC Trust Bank PRESTIA automatically withdraws a monthly account maintenance fee in the amount of 2,000 yen excluding taxfrom your account on the first business day of each month. However, this fee is waived if any of the conditions below apply: If your Total Balance in foreign currency for the previous month* 1 is equivalent to 200,000 yen or more. If your Total Balance for the previous month* 1 is equivalent to 500,000 yen or more. If you have a housing loan balance (including mortgage loan) or PRESTIA Personal Loan (unsecured) as of the end of the previous month.* 1 If your average monthly loan balance for PRESTIA Advance Money or card loans for the previous month* 1 is 4 yen or more. If, as of the 25th of the previous month* 1 (or if the 25th falls on a Saturday, Sunday or holiday, the previous business day), you are an SMBC Trust Bank s allied credit card or Visa TravelMoney Gonna(exclusively for SMBC Trust Bank debit account) card holder. If you have opened a PRESTIA Yen Savings e-savings Account in the past* 2 (does not apply if you have opened a PRESTIA e-savings account as an addition to an existing Yen Savings Account). * 1 If the previous month is the month you opened your account, or the month after you opened your account, there is no fee, regardless of the above conditions. *2 New applications for PRESTIA Yen Savings e-savings Account have been terminated as of December 5, Please contact us for more information. What is the Total Average Monthly Relationship Balance? The Total Balance is used to determine whether the monthly account maintenance fee will be waived and whether Preferential Fee Service will apply. Products included Deposits 25% of loan balances Mutual Funds Bonds/ Notes (Intermediary) Insurance products (Some will not be subject to balance calculation.) As of May 2017 SMBCBKG3152YRTF1705

7 or discounted ATM withdrawal fees at Sumitomo Mitsui Banking Corporation branch ATMs Get free or discounted ATM withdrawal fees when using your SMBC Trust Bank Banking Card at Sumitomo Mitsui Banking Corporation branch ATMs.* 1 Usage hours Weekdays 8:45-18:00 Times other than the left (outside usual hours) Sumitomo Mitsui Banking Corporation branch ATM 0yen 100yen* 2 (excluding tax) 100 yen 300 yen CD/ATM at a domestic affiliated (excluding tax) (excluding tax) financial institution depending on usage hours * ATMs at Sumitomo Mitsui Banking Corporation branches are eligible for this service. ATMs at other locations such as convenience stores are not included except for some ATMs. * 1 This service is provided by Sumitomo Mitsui Banking Corporation. Please note that this service may be discontinued or changed at any time without prior notice at the discretion of Sumitomo Mitsui Banking Corporation. *2 Customers who meet certain requirements will be eligible for the free withdrawal (reimbursement) service provided by SMBC Trust Bank. For details, please see the Service Fee List posted on our website, or contact us. For inquiries, please visit our branches/mini branches, or call. (24 hours/day, 365 days/year) Via the Internet As of May 2017