Shinsei Step Up Program

Preferential service fees

We will provide user-friendly preferential services to serve more customers.

Preferential service
Partnership ATMs Withdrawal fees (tax included)		110 yen / withdrawal	0 yen / withdrawal*1 (e.g. Seven Bank ATMs)	0 yen / withdrawal*1 (e.g. Seven Bank ATMs)	0 yen / withdrawal*1 (e.g. Seven Bank ATMs)	0 yen / withdrawal*1 (e.g. Seven Bank ATMs)
Online fund transfers to other domestic bank account	Numbers of free remittances	1 / month	3 / month	5 / month	10 / month	50 / month
	Transfers over the above limit (tax included)	214 yen / remittance	110 yen / remittance	110 yen / remittance	75 yen / remittance	75 yen / remittance
GAICA Flex prepaid card issued by APLUS Load/Reload fee of foreign currency		3.5℅ of the loaded amount	Cash-back*2	Cash-back*2	Cash-back*2	Cash-back*2
Incoming foreign exchange remittance Handling fee virtually free of charge *3		-	2,000 yen Cash-back / transaction	2,000 yen Cash-back / transaction	2,000 yen Cash-back / transaction	2,000 yen Cash-back / transaction
The overseas fund transfer fee via GoRemit App		2,000 or 4,000 yen / transaction	2,000 or 4,000 yen / transaction	2,000 or 4,000 yen / transaction	Free （once per month）*4	Free （once per month）*4
Home Mortgage handling charge discount		-	-	-	50,000 yen off the handling charge *5	50,000 yen off the handling charge *5

1. Withdrawals from Seven Bank ATMs, Enet ATMs, LAWSON ATMs, AEON Bank ATMs, PatSat ATMs, VIEW ALTTE (JR East Japan Railway ATMs) are free.
   Withdrawals from Japan Post Bank ATMs (including those installed in Family Mart stores) , Major City banks' ATMs, Mitsubishi UFJ Trust and Banking ATMs, Sumitomo Mitsui Trust Bank ATMs and Shoko Chukin Bank ATMs are charged 110 yen (including tax) per withdrawal.
2. Fees for loading foreign currency to your GAICA Prepaid Card (GAICA Flex)(Issued by APLUS) will be fully returned (cash-back) in foreign currency to your GAICA (GAICA Flex) by the end of the following month.
   Cash-back will not be applicable if your GAICA (GAICA Flex) is not valid at the planned time of cash-back due to reasons such as card activation (user registration procedures) incomplete or card status suspended. Please click here for full details and important notices regarding use of the service.
3. The Incoming Foreign exchange remittance administrative fee (the handling fee) is an amount equivalent to 2,000 yen. However, the handling fee for "Shinsei Diamond", "Shinsei Platinum", "Shinsei Gold" and "Shinsei Silver" customers will be virtually free of charge because 2,000 yen will be returned to them by the end of the following month. Foreign currency-based handling fees are determined so that they are equivalent to 2,000 yen.
4. "Shinsei Diamond" and "Shinsei Platinum" Customers are eligible to make the first remittance of any given month free of charge when making an overseas remittance or domestic foreign currency remittance from their Shinsei PowerFlex Account via GoRemit App. The customer's stage for the month must be "Shinsei Diamond" or "Shinsei Platinum" on the day the remittance request is sent via the GoRemit app. To be eligible for the Preferential Service, after registering with the GoRemit App customers must register a Shinsei PowerFlex account in their name with the app.For more details about overseas fund transfers, please click here.
5. Your stage will be "Shinsei Platinum" for six months from the month you opened your new Shinsei PowerFlex account (i.e. Platinum stage will apply until June 30 if you have opened an account on January 10 (hereinafter, the "Account Opening Initial Period")). However, even if you are "Shinsei Platinum", you are not eligible for preferential administrative fees if you apply for a home mortgage loan during the Account Opening Initial Period.

Preferential deposits and investment products

We will provide a more investor-friendly asset management environment such as higher interest rates and lower fees based on your stage.

Preferential service
Special Thanks Yen Time Deposit (3 months / 5 M yen to 30 M yen) (Birthday privilege)		-	-	-	0.50% per year （after tax 0.3984% per year）	1.00% per year （after tax 0.7968% per year）
Interest rate for Yen Deposit		Normal interest rate	Preferential interest rate
Interest rate for Foreign Currency Deposit
Foreign exchange rate fee	・Yen to Foreign currency ・Foreign currency to Yen	E.g.Yen ⇄ 1 USD 0.15 yen (one-way)	E.g.Yen ⇄ 1 USD 0.09 yen (one-way)	E.g.Yen ⇄ 1 USD 0.09 yen (one-way)	E.g.Yen ⇄ 1 USD 0.07 yen (one-way)	E.g.Yen ⇄ 1 USD 0.07 yen (one-way)

(As of May 1, 2022)

【Special Thanks Yen Time Deposit】

• To be eligible for this program, customers must apply for a Special Thanks Yen Time Deposit in the period from the first day of the month before their birthday to the last day of the month of their birthday.  (limited to one time per customer in the application period)
• The preferential interest rate will be applied for the initial three months only. The principal and interest will be deposited to the Yen Savings Deposit Account on the maturity date, and the interest rate for Yen Savings Deposit will be applied thereafter.
• Interest is subject to 20.315% withholding tax (national tax 15.315% and local tax 5%). The fractional figure of the after-tax interest rate shall be rounded down.

【Examples of interest calculation】［5M yen deposit by a Shinsei Diamond customer］5M yen×0.7968% p.a. (after tax)×3 months÷12 months＝ Approximately 9,960 yen.［5M yen deposit by a Shinsei Platinum customer］5M yen×0.3984% p.a. (after tax)×3 months÷12 months＝Approximately 4,980 yen. The examples are simple calculations multiplying the principal with the after-tax interest rate and deposit term. The actual interest to be paid may differ slightly because it will be calculated on a pro rata basis with 365 days as one year (i.e. the method of simple interest based on the number of deposit days). The interest will be paid in a lump sum on the maturity date.

• If the time deposit is canceled prematurely, the preferential interest rate will not be applied and the premature cancellation interest rate prescribed by the Bank will be applied.
• Yen Time Deposit is covered by deposit insurance and the principal is guaranteed.
• This transaction is available at our contact center or at our branches.
• Your stage will be "Shinsei Platinum" for six months from the month when you opened your Shinsei PowerFlex account (i.e. Platinum stage will apply until June 30 if you opened an account on January 10) (hereinafter, the "Account Opening Initial Period"). However, you cannot set up a Special Thanks Yen Time Deposit during the Account Opening Initial Period even if you are "Shinsei Platinum". Your stage cannot be upgraded to Shinsei Diamond during the six-month period including the month of account opening.
• 5 million yen to 30 million yen per deposit.
• Please check our Product descriptionon our website (Japanese only) or at the branch.

Target products for deciding your stage

	Target products	A. Annual Balance of total assets*14	B. Annual Balance of the bank-designated investment products*14	C. Transaction amounts of target products*15
Deposit	Yen Savings Deposit	YES	NO	NO
	Power Yokin	YES	NO	NO
	2 weeks Maturity Deposit	YES	NO	NO
	Yen Time Deposits	YES	NO	NO
	Foreign Currency Savings Deposit	YES	YES	NO
	2 weeks Maturity Foreign Currency Deposit	YES	YES	NO
	Foreign Currency Time Deposit	YES	YES	NO
	Structured Deposit*16 (Japanese only)	YES	YES	YES*17 Applicable products are limited
MONEX Intermediary Service Account Products*18	Yen Deposits	YES	NO	NO
	Foreign Currency Deposits	YES	YES	NO
	Bond Investment Trusts	YES	YES	NO
	Equity Investment Trusts	YES	YES	YES
	Periodic Investment Trusts	YES	YES	YES
	Domestic Bonds	YES	NO	NO
	Foreign Bonds	YES	YES	YES
	Domestic Stocks (in kind only)	YES	YES	NO
	Overseas Stocks	YES	YES	NO
	Discretionary Investment Products (ON COMPASS)	YES	YES	YES
Others	Insurance Products*19	YES	YES	NO
	Money trusts	YES	NO	NO

1. Not applicable for Margin trading including stocks and their balances.
2. Not applicable for Balances and transactions at Rakuten Securities (financial instruments intermediary accounts).
3. Products that are no longer sold will also be applicable if they are already owned.

1. Amounts converted into yen with Shinsei Bank TTM rate at the end of the month are used for the balances of foreign currency-denominated products.
   The balances of investment trusts, bonds, domestic stocks and deposits will be calculated on a delivery basis (i.e., on the date when the transaction is settled).
   The balances of foreign stocks will be calculated on a contract basis (i.e., on the date when the transaction is closed).
2. Amounts converted into yen with Shinsei Bank TTM rate at the transaction date are used for transaction amounts of foreign currency-denominated products.
3. Powered One Plus, Power Step Up Yokin 2, Powered Teiki, Powered Teiki Plus and Powered Teiki 3 are applicable.
4. Power Step Up Gaika Teiki 2, Powered Teiki (with deposit period of 6 months or longer), Powered Teiki Plus and Powered Teiki 3 are applicable.
5. Products in your Monex Intermediary Service Account will be the targets.
   Your balance will be included in A. Annual Balance of total assets and B. Annual Balance of the bank-designated investment products when you have registered your withdrawal account with Shinsei Bank at the end of the month.
   Your balance will be included in C. Transaction amounts of target products when you have registered your withdrawal account with Shinsei Bank at the end of the month preceding the month when you conducted the target transaction or at the end of the month when you conducted the target transaction.
6. Balance at the end of the month when the completion of an insurance contract is confirmed through a method designated by Shinsei Bank
   When increased insurance coverage is contracted, month-end balance is the amount corresponding to the single premium for the increased insurance cover.
   The following insurance products will not be applicable:
   • Insurance products provided by non-life insurance companies
   • Single-premium insurance products provided by life insurance companies including prepaid insurance products
   • Single-premium insurance policies provided by life insurance companies which were contracted more than ten years ago.
   Amounts corresponding to the premiums of single-premium insurance policies that have migrated to an annuity may be regarded as month-end balances in some cases.