SHINSEI BANK

Shinsei Step Up Program

Shinsei Step Up Program

Preferential Services

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.

Deciding Your Stage

  • You will be "Shinsei Platinum" until the sixth month from the month when you opened your account.
  • Your stage for the seventh month will be decided based on your transaction status during the period between the month when you opened your account and the fifth month.

When your Stage is decided

Your stage will be decided once a year based on your transactions of target products/services between January and December. The stage decided will be applied from February of the following year until January of the year after that.

Your stage for the seventh month will be decided based on your transaction status during the period between the month when you opened your account and the fifth month.The stage will be applied until January of the year after next of the year when the account was opened.

Eligibility Requirements for each stage
Eligibility Requirements
A. Annual Balance of total assets*6 - Over 1M yen Over 5M yen Over 20M yen -
B. Annual Balance of the bank-designated investment products*6 - Over 100,000 yen Over 1M yen Over 3M yen Over 20M yen
A. Annual Balance of total assets and B. Annual Balance of the bank-designated investment products*6 - - 1M yen or more deposits and 100,000 yen or more investment products 5M yen or more deposits and 100,000 yen or more investment products -
Home mortgage loan balance - - - Balance exists as of December 31*7 -
Contracting of a home mortgage loan - - - Concluded a new contract*8 -
C. Transaction amounts of target products*9 - - - Over 1M yen Over 10M yen
Use of Luxury Card - - - More than 1 Time*10 -
Use of Salary deposit - More than 1 Time*11 - - -
Use of Direct debits - More than 6 Times*12 - - -
Use of GAICA Flex prepaid card (issued by APLUS) - 100,000yen or more for shopping in and outside Japan*13 - - -

Your stage will be upgraded in February of the following year if at least one of the aforementioned conditions are met.
However, your stage will be upgraded immediately in the month after next if any of the conditions with is met at the end of the month.

Example of applying stages

Example of applying stages
  1. Annual Target Balance is an average balance of your assets as of the end of each month excluding two months with a lower balance.

Please check Target products for deciding your stage for the target products for "A. Annual Balance of total assets" and "B. Annual Balance of the bank-designated investment products".

  1. Customers who have been delinquent in payment for two consecutive months in the stage judgement period between January and December will not be eligible for preferential treatment of "Shinsei Platinum" if the "Home mortgage loan balance" is used as the stage eligibility requirement. In addition, "Shinsei Platinum" may not apply depending on your transaction status.
  2. The contract will be regarded as a new contract when your home mortgage loan balance is 0 yen as of the end of the previous month and the balance as of the end of the current month is 1 yen or more.
  3. "C. Transaction amounts of target products" include Power Step Up Gaika Teiki 2, Powered Teiki (with a term of 6 months or longer), Powered Teiki Plus, Powered Teiki 3, investment trusts and structured bonds. Target transactions are purchases and do not include the selling of investment trusts.
  4. An account from which the payments of Luxury Card issued by APLUS are to be debited is Shinsei PowerFlex account, and amount debited on 27th of the month (or the following business day if 27th falls on a non-business day) is 1 yen or more.
  5. Funds transfers within Shinsei Bank and personal and normal money transfers will not be applicable.
    Please confirm the payment method with a responsible person at your employer before designating your payroll account. Payments from your employer with a payment instruction other than "Salary Deposit" will not be regarded as salary deposit and will not be applicable.
  6. Target direct debits will include debit withdrawals for public utilities, credit card payments, insurance premiums and Shinsei Smart Card Loan Plus.
  7. Target shopping are those confirmed by APLUS by the sixth business day of the following month. Shopping confirmed by APLUS on or after the seventh business day of the following month will be the targets for judgement in or after the following month. When a refund has been made, your shopping balance will be calculated by deducting the refund from your purchase balance of the month when the refund has been made. For example, when a refund for your shopping in December 2022 has been made in January 2023, your shopping balance will be calculated by deducting the refund from your shopping in January 2023.
A. Target Balance of total assets

(The highest month-end balance during the period between the month when an account was opened and the fifth month)

- Over 1M yen Over 5M yen Over 20M yen -
B. Target Balance of the bank-designated investment products

(The highest month-end balance during the period between the month when an account was opened and the fifth month)

- Over 100,000 yen Over 1M yen Over 3M yen Over 20M yen
A. Target Balance of total assets and B. Target Balance of the bank-designated investment products

(The highest month-end balance during the period between the month when an account was opened and the fifth month)

- - 1M yen or more deposits and
100,000 yen or more investment products
5M yen or more deposits and
100,000 yen or more investment products
-
C. Transaction amounts of target products*9

(Target period: from the month when an account was opened until the end of the fifth month)

- - - Over 1M yen Over 10M yen
Use of Home mortgage

(Target period: from the month when an account was opened until the end of the fifth month)

- - - Used -
Use of Luxury Card

(As of the end of the 5th month from opening the account)

- - - More than 1 Time*10 -
Use of Salary deposits

(Target period: from the month when an account was opened until the end of the fifth month)

- More than 1 Time*11 - - -
Use of Direct debits

(Target period: from the month when an account was opened until the end of the fifth month)

- More than 3 Times*12 - - -
Use of GAICA Flex prepaid card (issued by APLUS)

(Target period: from the month when an account was opened until the end of the fifth month)

- 30,000 yen or more for shopping in and outside Japan*13 - - -
  1. Your stage will be reviewed through normal decision from the seventh month when you opened your account.
  1. "C. Transaction amounts of target products" include Power Step Up Gaika Teiki 2, Powered Teiki (with a term of 6 months or longer), Powered Teiki Plus, Powered Teiki 3, investment trusts and structured bonds. Target transactions are purchases and do not include the selling of investment trusts.
  2. An account from which the payments of Luxury Card issued by APLUS are to be debited is Shinsei PowerFlex account, and amount debited on 27th of the month (or the following business day if 27th falls on a non-business day) is 1 yen or more.
  3. Funds transfers within Shinsei Bank and personal and normal money transfers will not be applicable.
    Please confirm the payment method with a responsible person at your employer before designating your payroll account. Payments from your employer with a payment instruction other than "Salary Deposit" will not be regarded as salary deposit and will not be applicable.
  4. Target direct debits will include debit withdrawals for public utilities, credit card payments, insurance premiums and Shinsei Smart Card Loan Plus.
  5. Target shopping are those confirmed by APLUS by the sixth business day of the following month. Shopping confirmed by APLUS on or after the seventh business day of the following month will be the targets for judgement in or after the following month. When a refund has been made, your shopping balance will be calculated by deducting the refund from your purchase balance of the month when the refund has been made. For example, when a refund for your shopping in December 2022 has been made in January 2023, your shopping balance will be calculated by deducting the refund from your shopping in January 2023.

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.

Notes regarding preferential interest rates for Yen Time Deposit

Preferential interest rates for Yen Time Deposit are applied only to 1 to 5 year "PowerFlex Yen Time Deposits" of 5 million yen or more per deposit and 1-year "PowerDirect Yen Time Deposit 100" of 1 million yen or more per deposit. "PowerDirect Yen Time Deposit 30" will not be applicable.

  1. The interest rate may change or this Yen Time Deposit may be terminated based on market conditions.
  2. The interest rate for PowerFlex Yen Savings Deposit will be applied after maturity.
  3. In case of cancellation before maturity, bank designated interest rate will be applied, but the principal is guaranteed.
  4. According to market trends, campaigns, etc. in some instances, preferential interest rates may change or may not be applied. In addition, the percentage points of the preferential interest rates may differ depending on the stage of customers.
  5. These Deposits are subject to deposit insurance. Up to 10-million-yen principal of your fixed amount protected deposits at Shinsei Bank and their interest are protected.
  6. The percentage points of the preferential interest rates may differ depending on the Campaign.

Notes regarding Foreign Currency exchange rate

  • The Foreign Currency exchange fee for "Shinsei Diamond", "Shinsei Platinum", "Shinsei Gold" and "Shinsei Silver" will be applied when the currency converted from JPY to Foreign Currency or Foreign Currency to JPY, however they are not applicable for currency changes or interest payment of PowerSupport Plus or the withdrawal of reserve funds for PowerBuilder. In addition, converting currencies between foreign currencies or the converting of funds by Shinsei Bank from Foreign Currency to JPY when closing your account will not be applicable either.
  • For other currencies' foreign currencies exchange fees, please click here.
  1. A different foreign exchange fee may be applied when trading orders have increased sharply when markets are closed including weekends, or when markets have fluctuated drastically. The maximum rates of such one-way exchange fees and round-turn exchange fees are 5.5 yen per unit and 11 yen per unit respectively. In this case, commission discounts will not apply and the same across-the-board commission which is higher than the regular fee may be charged regardless of customer stage. Please check the latest forex rates, which include commissions, before executing each forex transaction.

Notes regarding Incoming foreign exchange remittances handling fee

  • The customer's stage must be "Shinsei Diamond", "Shinsei Platinum", "Shinsei Gold" or "Shinsei Silver” at the time of deposit of funds to customer's account to be eligible for cash-back.
  • If the handling fee is paid by the sender, no handling fee will be charged by Shinsei Bank and therefore cash-back program will not apply.
  • 2,000 yen cash back will be returned to customer's yen deposits account by the end of the following month from the date of receipt of funds to customer's account.
  • If there are insufficient funds in the customer's account to pay the handling fee, the remittance will be returned to the sender (no handling fee will be charged by Shinsei Bank) and the cash-back program will not apply.
  • If a customer closes their account before the receiving the cash-back, the cash-back program will not apply.

Note regarding overseas remittance

  • "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 Platinum" or "Shinsei Diamond" on the day the remittance request is sent via the app.
  • To be eligible for the Preferential Service for Platinum and Diamond customers must register their Shinsei PowerFlex account in their name on the GoRemit app.
  • When making a remittance in the same month as registering your Shinsei PowerFlex account, the remittance fee will be refunded to customers at the beginning of the following month. When making a remittance in the months after registering a Shinsei PowerFlex account, the first remittance of any given month will be free of charge when making a remittance request via app.
  • Customers' Shinsei Step-up Program details are updated at approx. 10:00 am on the first business day of every month. If a customer makes a remittance request via the app before these details are updated, the remittance fee will be deducted at the time of the remittance, but will be refunded within that month.
  • After making a remittance request from the GoRemit App, the free remittance for that month will be considered used even if the funds are returned for any reason.
  • Not applicable to customers who have closed their Shinsei PowerFlex Account before the cash-back date.
  • This preferential service is not applicable when making a domestic transfer to our collection account.

Shinsei Step Up Program

  • This page has been prepared for the purpose of providing information on "Shinsei Step Up Program", and not for the purpose of soliciting foreign currency deposits, structured deposits, insurance products, home mortgages, financial products trading, or financial products brokerage services.
  • The eligibility requirements, services, and service period, etc. of this program may be changed or discontinued without prior notice. (The services described here are available as of May 1, 2022)
  • For more details, such as detailed terms and conditions, please check our Shinsei Step Up Program brochures available in our branch or our website.
  • Some products eligible for this program entail the risk of loss of principal due to price fluctuations arising from movement of interest rates, share prices, and foreign exchange rates, etc. and due to cancellation (their principal amount may fall significantly below the amount invested, depending on market trends, etc.), carry the risk of issuer's credit, or charge fees and expenses specified by each product (the amount or maximum amount of fees and expenses by product and their total amount cannot be indicated in advance as they depend on the product purchased, the amount invested, the investment performance, and the period for which the customer holds the product). Before concluding the contract, please read "cautionary notes," "pre-contract documents," and "prospectus," etc. that are available at the branch counter and online and fully understand and acknowledge risks, fees, and expenses. Customers bear full responsibility for their investment decision.

Regarding preferential treatment of home mortgage handling fee

The preferential administrative handling fees as per customer's stage will be confirmed at the time when the Bank accepts the application form the customer (・Postal mail: at the time the bank receives the postal mail. ・Branch: at the time the bank receives the application form), Please note the preferential treatment of administrative handling fees for home mortgages will vary according to the customer's stage at the time of the application.

  1. Customers without a Shinsei PowerFlex account at the time of application for home mortgage will not be applicable for preferential treatment of administrative handling fees.
  2. Customers who have newly opened an Shinsei PowerFlex account will automatically be placed in the Platinum Stage from the month they have opened the account for 6 months (e.g., If the account was opened on January 10th, the Platinum stage will be valid till June 30th.) (i.e. the initial account opening period). However, preferential treatment of administrative handling fees for Platinum customers will not be applicable for customers during the initial account opening period.

Regarding Foreign Currency Deposits

  • As the conversion rates of foreign currencies into yen (foreign exchange rates) fluctuate, foreign exchange deposits carry a risk of loss of yen denominated principal resulting from exchange rate fluctuations when converting foreign currencies back into yen.
  • In the event of high market volatility, system malfunctions, etc., the foreign exchange rates applied by the Bank may differ significantly from prevailing market rates. Customers are urged to confirm the foreign exchange rates to be applied to any such transactions.
  • Foreign exchange fees apply when depositing/withdrawing yen into/out of foreign currency accounts. Unconventional currency exchange fees may be applied in the event of drastic foreign exchange rate fluctuations or when major markets are closed. The maximum rates of such one-way exchange fees and round-turn exchange fees are 5.5 yen per unit and 11 yen per unit respectively. For a direct non-yen cross currency exchange, the foreign exchange fees will be 0.02 multiplied by one of the currencies.
  • There is a risk of loss of yen denominated principal due to the application of foreign currency exchange fees and applied interest rates, even if foreign exchange rates do not fluctuate.
  • Preferred rates of Shinsei Step Up program are applied to transactions changing yen to a foreign currency and vice versa. (n.b. Preferred rates are not applicable to transactions between non yen foreign currencies or when the outstanding foreign currencies balance is converted to yen as part of closing an account. Additionally, preferred rates are not applicable in exchanging currencies or paying interest in the PowerSupport Plus program, or purchasing foreign currencies through the PowerBuilder program.)
  • Foreign currency deposits are not guaranteed by deposit insurance.
  • In principle, foreign currency denominated time deposits may not be cancelled before maturity. However, in the event the Bank recognizes extraordinary circumstances and deems the cancellation of foreign currency denominated time deposits before maturity as unavoidable, only principal amounts will be refunded (interest thereon will not be honored).
  • Cash in foreign currencies and foreign currency remittances are not available at our branches.
  • Fees will be charged for foreign currency remittances.
  • Application to GoRemit overseas remittance service must be made before making foreign currency remittances.
  • Before investing in foreign currency deposits customers should carefully read the product description of foreign currency deposits (pre-contract document) that is available in the Bank branches and online so that they can fully understand characteristics of the foreign currency deposits.

Shinsei Bank, Limited / No.10 Registered financial institution of Kanto Local Finance Bureau
Member of Japan Securities Dealers Association and the Financial Futures Association of Japan

GAICA Prepaid Card

  • GAICA Prepaid Card (hereinafter the "Card") is the services which APLUS Co., Ltd. (hereinafter "APLUS") provides, and is not a product of Shinsei Bank (hereinafter the "Bank").
  • The Card is not a product provided for remittances carried out by banks, etc. including the Bank.
  • The Card does not constitute the acceptance of deposits, savings, or installment savings (You can't load cash in any currency directly onto the Card, and you can only load your Card from the Bank account).
  • The Card is not subject to the payment of insurance prescribed in the Deposit Insurance Act or in the Agricultural and Fishery Cooperation Savings Insurance Act.
  • A system of security deposits for providing the services with the Card (hereinafter "Security Deposits") is established under the Payment Services Act in order to ensure the protection of the Members*.
    *The term "Member" shall refer to the person whom APLUS provides with the Card and authorizes to use the Card. APLUS makes a Security Deposit as follows for the issuance of the Card.
    - Method of a statutory deposit: Money
    - Official depository: the Osaka Legal Affairs Bureau
  • The Members shall have the right to receive payments with regard to the amount of the remaining balance on the Card for the return of Security Deposit in the procedures related to the execution of the right under the Payment Service Act.
  • The Bank shall receive applications only for the Card with Flex Function. The applications for the Card are accepted only through the online banking service of the Bank, Shinsei PowerDirect. Please note that applications for the Card on telephones or at branches will not be accepted. The Bank does not assume any responsibility even if applications via Shinsei PowerDirect are not accepted due to problems in the computer systems, etc.
  • After issuing the Card, all transactions effected through the use of the Card are handled only by APLUS, and the Bank shall not take any responsibility whatsoever. Regarding transactions with the Card and the important information such as fee schedule of the Card, visit the APLUS website. For inquiries or questions, please contact APLUS.

Regarding Yen Deposit

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.