Portal field news

Portal field news

in ,

🎗 | Gifu Shimbun Gifu Broadcasting System Social Work Group Year-end donations started to be accepted


写真 

Gifu Shimbun Gifu Broadcasting Social Work Group Year-end donations started accepting donations

 
If you write the contents roughly
We are also soliciting donations by postal transfer from the perspective of preventing new corona infections.
 

Gifu Shimbun Gifu Broadcasting System Corporation's "year-end donations" began to be accepted from the 1st.The first day is Ki ... → Continue reading

 Gifu Chan

Gifu Prefecture's prefectural broadcasting station "Gifu Chan" is the "Gifu Chan DIGITAL" that delivers news about the prefecture. We will deliver seasonal topics from Gifu to the whole country.


Wikipedia related words

If there is no explanation, there is no corresponding item on Wikipedia.

Postal transfer

Postal transfer(Looking back at Yubin,British: Postal Giro) Is2007/May 10Was carried out inPrivatization of postal servicesPreviously, based on the Postal Transfer ActJapanese goverment(Ministry of Communications-Ministry of Post-Ministry of Internal Affairs and CommunicationsJapan Post Agency)・Japan PostA business related to remittance using a postal transfer account.

After the postal privatization,Ltd.Japan Post BankByprivateFinancial institution OfCurrent accountThere is a "transfer" that provides the same service as postal transfer (→Japan Post Bank # Transfer), "Postal transfer" and "Japan Post Bank transfer" are legally and systematically different.

Overview

Postal transfer is "simple and reliable" based on the Postal Transfer Law.money transferas well as the Receivabledebt OfsettlementBefore becoming a public corporation, with the aim of "contributing to the smooth economic activities of the people by making it used fairly and fairly as a means ofPostal minister(Minister of Internal Affairs and Communications) Manages national business,KoshaAfter thatJapan PostWas a business conducted by.

Service contents

Handling local

Since Article 1 of the Postal Transfer Law stipulates that postal transfer should be used uniformly and fairly as a means of simple and reliable remittance and settlement of claims and debts, all of them.Savings OfficeWas designated as a "postal office that does not handle transfers"post officeExcept for all post offices in JapansavingsIt was handled at the counter.

At the post office designated as a non-handling station, a notice was posted stating that "postal transfer services will not be handled".

Simple post officeThen.Agricultural Cooperative (JA)There are simple post offices that do not handle all or part of the postal transfer business (including cases where only the exchange business is handled among the business handled at the savings counter) at the simple post office attached to the store. bottom.

Types of postal transfer

There are two types of postal transfer, depending on the function of the account.

(A) "Postal transfer account" whose symbol number starts with "0"
(B) The symbol of the symbol number starts with "1".Postal savings new comprehensive passbook "Paruru''

It is the person (a) who is generally called "postal transfer". (B) is added to the passbook by the depositor of ordinary postal savings (including ordinary savings postal savings, international volunteer savings, etc.) for the purpose of remittance function and limit management, and (a) and (b). ), The services that can be used differ greatly.

Deposit limit

Postal savingsThere is a deposit limit according to Article 10 of the Postal Savings Law, but there is no legal limit for postal transfer deposits (account balance).

Government Guarantee and Stamp Duty Exemption

According to Article 3 of the Postal Transfer Law, Kosha's debt related to deposits for postal transfer was guaranteed by the Government of Japan.For this reason, KoshaDeposit insurance mechanismWas not a member of.With the privatization of the postal service, the deposit for postal transfer was taken over by Japan Post Bank Co., Ltd., which was a member of the Deposit Insurance Corporation of Japan at the time of privatization, and the government guarantee was lost.

In addition, according to Article 5 of the Postal Transfer Law, documents related to postal transfer (postal transfer payment form, postal transfer withdrawal certificate, postal transfer opening notice) are included.Stamp taxWas not imposed.

Postal transfer account

A postal transfer account (also called a "general transfer account" or "transfer account") is an account whose symbol / number symbol starts with "0".Of private financial institutionsCurrent accountIt is equivalent to (settlement deposit) and does not bear interest on the deposit (transfer account balance), but it is the same.passbookThere are also points where there are no cases that correspond to private financial institutions, such as the absence of a (payment book).As a voucher for receipt and payment, it has jurisdiction over the original book.Savings OfficeThe "transfer receipt / payment slip" was mailed within a few days from the date of receipt / payment (for the contracted corporation, the data receipt / payment slip was also recorded in the MT and sent).

Joining a postal transfer account

Opening a postal transfer account is called "subscribing".

The enrollment procedure could be done at the savings counter (or the savings office counter) of the post office that handles postal transfers.According to Article 8 of the Postal Transfer Law, the name of the account is to use the personal name or corporate name, but if approved by the public corporation, the name other than the name and corporate name such as the trade name and the store name "alias" ("Alias" is an exception to the last, and in order to use it, "a document that shows the relationship between an individual name / corporate name and an alias" or "an alias must be used" is rational. You must show the "reason" etc. to the public corporation and have it approved. In addition, the "postal transfer account" is the target, and the postal savings new general passbook "ParuruIs not possible).

In addition, when joining, it has jurisdiction over the original book.Savings OfficeAnd subscriber payment station, subscriber payment station (checkAt the time of use, the subscriber check issuing station.However, it is necessary to specify (only the station that handles checks can be specified).It was possible to change the subscriber payment bureau and the subscriber payout bureau (when using checks, the subscriber check payout bureau) at a later date (change of the savings office under the jurisdiction of the original book is a symbol). Due to the change in number, the account will be closed and a new member will be added to the savings office that wishes to join).

Even if I apply for membership at the savings counter of the post office, I cannot open an account on the spot.This is because you cannot open an account at the counter (some counters only allow you to number the "account code / number", and you may be notified of the "account code / number" at the time of reception. ), This is because the department in charge of the transfer account of the Savings Office must review the documents before opening the account.Therefore, it is necessary to carry out the procedure for opening an account with a sufficient number of days.

After completing the procedure for opening an account at the department in charge of the transfer account of the Savings Office, the subscriber (the person who applied for opening the account) will be notified of the opening of the account, and the registration of the postal transfer account will be completed.

In addition, the subscriber was able to set one "proxy signer" and one "participating signer" according to the provisions of Articles 10 and 11 of the Postal Transfer Law.

A "proxy signer" is a third party designated by the subscriber, who was able to request transfers and withdrawals on behalf of the subscriber, as well as other claims and notifications specified by Kosha (to the last, requests specified by Kosha). Therefore, important claims and notifications can only be made by the subscriber himself / herself).

On the other hand, the "participation signer" is a system that prevents the procedure from proceeding unless a person other than the subscriber participates.

Deposits and withdrawals to the postal transfer account were made in the form of deposits at the paying store using the wire transfer handling slip and withdrawals at the payout store using the payout slip, as described later.

Account code number

The symbol number of the postal transfer account used to be the one with the name of the account jurisdiction (savings office center) such as "Kobe X-YYYY" (in this case, there is the name "Kobe"). Therefore, the "Kobe Savings Office Center" will be the account jurisdiction agency).In addition to this, the social welfare businessDonationIf it is a reception account, the suffix of "fortune" isJapanese Red Cross Society,Community fundIf it was an emergency disaster donation account, the suffix of "disaster" was attached.When accepting various invoices online at the post office savings counter, the numbers representing each account jurisdiction (for details, seeSavings Office(Refer to the table in) and processed as "011X0-YYYY" (the first number "0" indicates that it is a postal transfer account. The second and third numbers are each account. It is a number representing the competent authority and has been replaced with "2" because it was an account of the Kobe Savings Office. The fifth number "3" should be this number for any postal transfer account. It has become).

1996/A new system has been introduced to process the postal transfer payment handling slip by wire, and the account code number is changed to prevent misreading of the account code number.Check digitIt was changed to a number such as "1X011-Z-YYYY" with one digit of (in this case, "Z" corresponds to the check digit).

Postal savings new comprehensive passbook "Paruru'

Postal savings new comprehensive passbook "Paruru'As shown in, a postal transfer account with the same symbol number as regular postal savings (including regular savings savings and international volunteer savings) was opened.

By opening a postal transfer account, it was possible to add a remittance function to the passbook (normal postal savings itself does not have a "remittance function", so if you do not open a "postal transfer account", you will get " I can't use the "remittance function".Ministry of PostFrom the passbook issued in the eraJapan PostUp to the passbooks issued in the era, if there is a circle in the "Opening a postal transfer account" on the spread page, it is in a usable state.[1]).Since it is the same symbol number as ordinary postal savings, the symbol of the symbol number always starts with "1", such as "0XXX1-XXXXXXX1".Moreover, the end of the number part always ends with "1".

This account itself is also a "postal transfer account" in a broad sense, but there are some "payment / transfer / withdrawal" services that cannot be used.On the other hand, since it is a service that is usually added to postal savings, a passbook is always issued.

In addition, as mentioned above, it takes days to join (open an account) for a postal transfer account whose symbol number starts with "0" (the symbol / number itself may be issued immediately after the procedure at the counter is completed. Yes, but will be done at a later date,Savings OfficePayment and withdrawal are not possible until the notification of the start of use is received from.Japan Post BankThe same applies after the transition to), but the new postal savings passbook "ParuruIf you meet the requirements, you can open an account and issue a passbook on the same day at the post office savings counter (even before the cash card is sent, you can withdraw the ATM with your passbook and PIN).

Payment / transfer / withdrawal

According to Article 7 of the Postal Transfer Law, Kosha provided "payment," "transfer," and "withdrawal" services in postal transfer accounts.

"Payment" refers to depositing the money of a subscriber or a person who wants to transfer money into a postal transfer account.

"Transfer" refers to the transfer of deposits from a subscriber's account to another account designated by the subscriber.

"Payout" refers to refunding the deposit in the subscriber's account and handing the money to the subscriber or a third party designated by the subscriber.

Subscriber procedure

Principal payment / Principal payment

When a subscriber who has opened a postal transfer account (and a pre-designated agent (this is called a proxy signer)) pays cash, etc. to his / her postal transfer account is called "personal payment". Withdrawing cash from the same account is called "personal payment".

There is a system called a participation signer that prevents various procedures from being performed without the participation of persons other than the subscribers.

Designation of subscriber payment / withdrawal office (postal transfer account)

For postal transfer accounts, when applying for subscription (opening an account) in advance,

  • "Subscriber payment station" where the subscriber pays in person
  • "Subscriber withdrawal office" (or "check payment office") that places a seal stamp and requests payment / transfer by wire

Specify one desired post office as.[2]

Only one or both can be specified, but if both are specified, the same station will be used.In addition, other than the designated post office, it is not possible to request wire payment and immediate deposit payment by the subscriber (subscriber immediate payment), and if the same payment is made, the payment fee will not be free.
In the case of the new general passbook, there are no such designations or restrictions (because you can check your seal with your passbook. The PIN code of your cash card is the same. As long as it does not exceed 1,000 million yen, you can deposit and refund your savings. Since the same procedure can be realized by handling, it is rare to make a subscriber payment or a subscriber withdrawal again with the new general passbook, but a "deposit" of less than 10 yen, which is impossible with savings, is also opened in the new general passbook. It is possible if you use the postal transfer account that you have made "payment by yourself". Details will be described later.
Payment by person (postal transfer account)

Payment by the postal transfer account is made at the window of the subscriber payment office (free of charge).

  • Both normal and telegraph handling can be used.The form may be distributed at the counter.Recipient-paid telegraphs that can be applied for via the payout station are also supported, and there is no charge in this case as well.
  • Simply enter "payment by person", "payment by person", etc. in the requester column of the payment form.
Payout by person (postal transfer account)

Immediate subscriber payments from postal transfer accounts are limited to the subscriber payout office (free of charge).

  • The form will be distributed at the counter.Draw a diagonal line in the recipient's address box and simply write "pay in person" in the name field.

The personal payment for which the subscriber himself / herself receives the withdrawal certificate is usually charged by the example of cash payment (free of charge).

  • The form will be the withdrawal form received by mail from the Savings Office.Simply enter "payment in person" in the recipient's address and name field.

Delivery of paper

Of the remittance forms for postal transfer, the forms that are normally paid out and paid by the subscriber (accepting subscriber) and the payment form that the subscriber distributes to the payer are stamped on the prescribed application form in advance and stamped at the post office. And receive a mail from the Savings Office.The paper is free.

What can be billed

  • Postal transfer payment form (payer bears the fee) ... 1 sheets per book
  • Postal transfer payment form (subscriber pays the fee) ... 1 sheets per book
  • Postal transfer wire payment invoice (subscriber bears the charge) ... 1 sheets per book
  • Postal transfer withdrawal form (the remittance subscriber bears the withdrawal fee) ... Only the remittance subscriber can claim ... 1 sheets per book
  • Postal transfer withdrawal form (the transfer fee is borne by the accepting subscriber) ... Only the accepting subscriber can be billed ... 1 sheets per book

5 points.

In this invoice, "Postal transfer telegraph payment invoice (payer bears the fee)" and "Postal transfer telegraph transfer request and telegraph transfer invoice (to private financial institutions)" (Mutual remittanceYou cannot claim it, but it is always available at the savings counter (however, if the subscriber makes a request, you may be billed in units of books at the discretion of the post office, and invoices in such cases. There is no provision for).
  • Of these, the "regular withdrawal form" used for regular withdrawals and transfers is a dedicated one with the account number and subscriber pre-printed.
  • In addition, the payment form (blue = paid by the payer) that the payer fills out and uses is usually prepared and distributed at the counter (and the payer corner).
  • For convenience of distribution from subscribers to a large number of payers, there is a service that creates a regular payment form with the account number and subscriber name (single) of the billing subscriber printed together. (Paid. 1 yen for each application (102 yen until March 2014) + 3 yen per sheet. The fee will be deducted from the applicant's account. After confirming the withdrawal, the subscriber will be printed out. Send to).In addition, it is also possible for the subscriber to print the account symbol, number, name, client, amount of money, communication column, etc. by using the free software of the personal computer, the seal, etc.
  • In addition, with the approval of the Savings Office, payment forms and withdrawal forms can be made privately according to the prescribed format.Those imprinted with the remittance destination subscriber in advance,Thermal paperPrinted from the meter reader's mobile terminal using, for convenience store paymentbarcodeThere are three types of convenience store receipts with strips, bank transfer types, and four- and five-type receipts with notices and report pieces. ..

After the transition to Japan Post Bank,

  • Postal transfer withdrawal form (the remittance subscriber bears the withdrawal fee) ... Only the remittance subscriber can claim ... 1 sheets per book
  • Postal transfer withdrawal form (the transfer fee is borne by the accepting subscriber) ... Only the accepting subscriber can be billed ... 1 sheets per book
Will not be issued due to the abolition of the service.
  • Postal transfer wire payment invoice (subscriber bears the charge) ... 1 sheets per book
It is,JISSince the format has been changed to standard B row 6th new format, conventional paper cannot be used.again,2014/4From each directly managed store / post office savings counterCTMDue to the sequential renewal (the switching date was posted in each store before the switch), the new format ("Telegraphic payment invoice / Telegraph transfer invoice") will be added to the updated store.OCRPaper size is also available by reading withISO 216(It has been expanded to the 4th size in row A (which is also a JIS standard)), so the style that was issued from the beginning of privatization cannot be used at the relevant store, so it needs to be replaced.If you make a mailing request to the payout store or the savings office under your jurisdiction during the transition period, a form that matches the current state of the payout store will be sent to the subscribers. In some cases, it could not be used at directly managed stores or post office savings counters (if the base with a late switching time is a payout store, it will continue to be distributed in the old style until the switching is completed, so at other CTM updated stores It wasn't available and had to be rewritten in a new style, and vice versa).2015/At the beginning, all bases have been replaced with a new format that matches the new CTM, so the new format will always be sent when requesting the current form.
  • Postal transfer payment form (payer bears the fee) ... 1 sheets per book
  • Postal transfer payment form (subscriber pays the fee) ... 1 sheets per book
For, on the backstampA sticker column will be provided, but conventional paper can also be used (revised in April 2014).Stamp taxWith the enforcement of the law, what was "pasted over 3 yen" has been changed to "pasted over the taxable amount", but there is no stamp column in the form that says "more than 3 yen ..." The pre-privatization style is also available for the time being.The actual amount to be pasted is 5 yen or more).

Incidentally,

  • Private postal transfer payment forms (both red and blue) should have a stamp affixed column on the back.2007/9Previously it was stipulated that it could not be used, including distribution (however, the application for approval itself was possible).
As for this, as with the general ones distributed by Japan Post Bank, as a transitional measure, those without a stamp column can be used for the time being, but the issuer is urged to switch to a format with a stamp column as soon as possible.

Payment to the new general passbook

  • By making a payment to the postal transfer account of the new general passbook, "automatic transfer" will be performed, and the money will be deposited into ordinary postal savings and ordinary savings savings.Payment will be made at the counter with a passbook or cash card attached to the request form provided.The fee is free, and the payment amount is 1 yen or more in 1 yen units.
  • At a simple post office that does not handle savings but handles transfers, the payment of the person to the postal transfer account of the new general passbook and the withdrawal of the person may be handled as a transfer business. ) To have the input processed on your behalf.The supervisory savings staff are often unaware of this process, and it may be wise to contact the supervisory authority in advance.Since the postal office number (exchange office number) of the contracted post office is printed on the passbook instead of the agency office, some enthusiasts request it to collect the office number (travel savings).


Normal handling

Normal payment

Payment formTo send money to the other party's account using.In the past, the processing was done by mailing the payment form in kind, so it is said to be several days, but now that the processing is done by accumulated online transmission, it will actually be reflected in the remittance destination account in about 2 days, and during the day It may reach. From 2014, it has become possible to handle without sending a paper payment form instead of downloading it on the web (requires a Yucho Direct contract).The other party's account is only a postal transfer account.Generally, small remittance fees are cheaper than transfers at private financial institutions, and are especially often used for mail-order payments.

In addition to the postal savings counter, APM and ATMs (commonly known as ATMPs) with a payment slip reception function can also be used. In addition to cash payments, payments can be made using regular savings, savings passbooks, and cash cards. It is also possible to save money.However, since the processing is performed by the actual inserted form, the payment form in a special format is handled only at the counter (in some cases, after the procedure at APM and ATMP, the details and the rest of the part that cannot be inserted into the machine It is possible to stamp the stamp by submitting the form to the counter, but it is necessary to submit it to the Japan Post Bank store using APM or ATMP or the savings counter of the post office on the day of the procedure. In any case, it is not possible to respond unless the savings counter of the post office is open (Japan Post Bank store or).

Some of the charges are borne by the recipient (subscriber-paid, red paper), while others are borne by the payer (payer-paid, blue paper, etc.).This can be specified by each postal transfer account subscriber according to the purpose.

After the transition to Japan Post Bank, stamp duty will be levied, so the fee will change at the time of use, and a stamp will be affixed to the back of the transfer payment invoice and receipt (payment amount was 3 yen or more before, Currently, if it is 5 yen or more).There is a stamp field on the back of the receipt of the paper distributed after the transition, but the conventional paper without the stamp field is handled in the same way.

In addition, the subscriber (recipient) side will issue a payment handling slipMagnetic tapeIf you make a payment (referred to as "MT treatment") by recording in the form and receiving it in a lump sum, the charge at APM or ATMP will be reduced by 10 yen (in the case after the transition to Japan Post Bank, less than 3 yen will be charged. 80 yen → 70 yen, 3 yen → 290 yen for 280 yen or more. The same applies to the handling of subscriber payments). The number 20 (22 if the subscriber pays) is entered in the upper left of the payment form that is treated as MT (the normal form is 00 (02 if the subscriber pays)).

Normal transfer

Only the postal transfer account is handled, and the deposit is transferred from your own postal transfer account to the postal transfer account of the remittance destination.Even if you submit it to the post office, the original slip will be mailed from the reception post office to the Savings Office and processed at the same facility in order to handle large quantities.Compared to the regular payment fee for payers who do not have a transfer account, the regular transfer fee is 15 yen per case, which is very cheap.

However, although there is a part of the postal transfer withdrawal form that the subscriber voluntarily refrains from, there is no receipt slip or copy of the reception office issued by the reception office to the subscriber.For this reason, the withdrawal form received by the staff of the relevant station or centerFalsificationEtc.embezzlementHowever, even if it is lost or delayed during paperwork or mailing, the fact cannot be clarified or pursued, so care must be taken in handling it.

After the transition to Japan Post Bank, this handling will not be performed in the transfer account.Regarding personal payment / withdrawalWire transferTo use.

As an aside, when cashing or receiving points, rewards, etc. earned from affiliate gateways and questionnaire sites on the Internet, there were cases where users were asked to open a postal transfer account and remit money to that account. However, this treatment disappears due to privatization, and if the surviving telephony transfer is used, the cost on the site creator side will be rather high, so mainlyOnline bankIn most cases, the transfer was made to a designated single post office (after privatization, Japan Post Bank directly managed stores or even from the user's perspective.post officeThis was not always a merit because it can only be paid out at the savings counter), but there were cases where this was better depending on how it was used).

Regular cash payment

Only the postal transfer account is handled, the deposit of the transfer account is paid out, and the withdrawal certificate is mailed to the other party.The original slip is mailed to the Savings Office and processed in the same way as a regular transfer.The other party can receive payment at post offices (savings counters) nationwide in exchange for the delivered certificate.The subscriber can also receive the certificate free of charge (payment by himself / herself).

In addition, there is a problem similar to that of ordinary transfer.

Regarding the handling in the transfer account after the transfer to Japan Post Bank, individual handling using the withdrawal form will not be performed.As an alternative to thisOrdinary exchangeOrWire transferDone in.

Incidentally,Magnetic media(So-called MT treatment. However,2016/At the time, is it data transmission?DVDAccepted by submitting the data recorded in.Magnetic tape(MT in the original sense)floppy diskAs for the reservation handling by (only the users from before the old days are accepted and new acceptance is not done), the handling by the withdrawal certificate is continued, and 1 yen per case. (411 yen until March 2014) It costs (application is not for the payout store but for each person in charge of the original certificate of the transfer accountSavings OfficeDo it in).If you make arrangements for mailing to the recipient on the spot, the postage will be 10 yen (82 yen) if the amount of the withdrawal certificate is less than 80 yen, and 10 yen (392 yen) if the amount is 380 yen or more. XNUMX yen,2009/May 3It costs 290 yen to complete the procedure.

The expiration date of the payment certificate isOrdinary exchange certificate,Fixed amount money orderSimilarly, it is 6 months from the issue date, but even after 6 months have passed, if the reissue procedure is completed for 5 years from the issue date, the recipient can receive the amount of the payment certificate, and it has passed. If you do, the amount stated on the payment certificate will be refunded to the transfer account of the payer (the fee and shipping fee will not be refunded).Therefore, the recipient's response is almost the same as receiving a regular exchange certificate or a fixed-amount small exchange at face value.

If anything, the service is aimed at corporations, but if there is an environment for creating data to be submitted to the Savings Office, it can also be used by individuals.

Easy payment

With regard to handling only postal transfer accounts, dividends, etc. are paid out by sending a "postal transfer payment notice" (equivalent to a redemption certificate) to a large number of recipients at one time.

  • Subscribers who use simple payment must submit a "simple payment application form" prior to requesting withdrawal and obtain approval from the postmaster in advance.
  • In addition to being cheap, it is often used to pay dividends and rebates for stocks and mutual aid because it is not necessary to attach a stamp to the postal transfer payment notice.

After the transition to Japan Post Bank, it was abolished and "Check payment".However, it will be continued only for shareholder dividends, and one dividend receipt (old postal transfer payment notice) will have a face value of up to 1 million yen (100 million yen for one recipient). If the number exceeds, multiple receipts will be issued, and the fee will be increased by the number of receipts).In addition, the receipt issuance is accepted in Tokyo.Savings Office(That is, the use of simple payments is limited to withdrawals from transfer accounts under the jurisdiction of the Tokyo Savings Office).

Telegraph handling

Wire payment

Instantly pay cash to the transfer account of the remittance destination subscriber.The payee's account is "ParuruWe handle both postal transfer accounts.It is used when the payer does not subscribe to postal transfer (does not have an account).

In addition, it is not handled by the automatic machine of the post office, and the fee is more expensive than the normal payment or the automatic machine transfer of a private financial institution (to the head office and branch office).

For personal payment, use the new form of "telegraphic payment invoice / wire transfer invoice".

Wire transfer

It is possible to use both the new general passbook and the postal transfer account, and instantly transfer the deposit from your own transfer account to the transfer account of the remittance destination. APM / ATM (ParuruIt can also be used with an account only), the charge is 140 yen at the counter regardless of the remittance amount, handling by automatic machines is free (until September 2016, 9), handling by "Yucho Direct" is free up to 30 times a month, 5th time It will be 6 yen from then on.

  • "Remittance"Is"ParuruIs a nickname for wire transfer.

Wire cash payment

Paruru, A method of withdrawing the remittance amount from the postal transfer account and remittance to the post office of the other party's place of residence using the online system.It is used when the other party does not have a transfer account and wants to send money immediately.

  • Certificate payment-A service in which a certificate is mailed to the recipient and the certificate, necessary documents, seals, etc. are brought to the savings counter closest to the recipient and received.
  • Home payment-A service that delivers cash directly to the recipient's home.
  • Window payment-Using the postal savings online system, a payment instruction is sent from the payout subscriber's account to a designated post office, and the recipient receives cash at the designated post office instead of a certificate at the savings counter.A notice to that effect is delivered to the other party (because it is not the certificate that is delivered, it is different from the certificate payment and the contact point that can be received is specified in the notice).

After the transition to Japan Post Bank, only over-the-counter payments continued.

  • In the case of personal payment, the new style "transfer payment form" (3 copies) is used in principle, but due to the low inventory of the style, the previous "postal transfer payment request form" (3 copies) is also available. It is available.
  • If you have designated a non-directly managed store as the payment / payment station, you may not be able to receive it immediately in some cases.
  • The fee is 630 yen (2014 yen from April 4)

Check payment

In the subscriber's postal transfer accountcheck("Transfer check”) Is paid out.

To use check payment, in principle, you need to submit an application with two guarantors and obtain approval from the postmaster.

Besides, postal savings andSimple insuranceFor refunds, payments, etc., instead of cash, the post office will be used as the payer.Savings checkHowever, this is a check equivalent to the "self-addressed check" of a private financial institution.

After the transition to Japan Post Bank, the check booklet will be charged (1 yen for 50 sheets per book → 1575 yen from April 2014), and the old style will no longer be available.However, the payout by the subscriber before the transition can be redeemed on the beneficiary side.

Automatic withdrawal deposit

Automatic withdrawal deposit (Jidoharai Dashiyonyu) is the handling of remittance from the sender's postal transfer account to the recipient's regular postal savings (not necessarily the new general passbook). It is a name that means "automatically deposit the withdrawal money into the recipient's savings".

There are two types of automatic withdrawal deposits: "normal handling" using documents and magnetic media (normal cash payment for automatic withdrawal deposits) and "telegraphic handling" (telegraphic cash payment), but currently the normal handling is postal. It is a service that is used for 2 or more remittances at a time from the transfer account, and the wire handling is a new general passbook (Paruru) Is a service that normally specifies one savings and remits.The charge for "telegraphic handling" is higher than the charge for wire transfer.

Automatic withdrawal deposit is withdrawal from the postal transfer account (Paruru, Postal transfer account), not a service used by remittancers who do not have a transfer account to pay cash.In addition, there is no system for other people to directly pay cash to ordinary savings that are not new general passbooks.

This will not be handled for transfer accounts after the transfer to Japan Post Bank.

Subscriber designated financial institution deposit and savings account transfer (mutual remittance)

Automatic payment

A system that can be used by depositors of ordinary postal savings as payers, and various utility charges,Credit cardThe billing fee, membership fee, etc. are automatically refunded from the regular savings on the specified date and paid to the postal transfer account on the custodian side.The automatic payment fee is 1 yen per case for utilities and 10 yen per case for others, which is very cheap and easier than the automatic transfer of private financial institutions (for example, school tuition fees).CircleEtc. membership fee,retail storeIt is an advantage that it can be used (storage of installment payments, etc.).Final returnAccompanyNational taxPayment, handled by the local governmentLight vehicle taxSuch asLocal tax,Japan Student Services OrganizationThis includes requests for refund of loan scholarships.
Of these, for those that are continuously transferred from the subscriber's account to the storage subscriber's account, such as utility charges and credit card billing charges.Regular continuous transferIs said.

  • Depending on the type of organization / company to be stored, the description column is printed as "self-payment", "membership fee", "installment payment", etc.

Special payout

From the subscriber's accountRadio usage fee,Simple insuranceFee,National pensionRevenue Agency, etc.Independent administrative agencyWhat to pay out to.The payment details are printed as they are in the description column of the passbook.

Regular payout

Those who pay out themselves as recipients on a regular basis.

Automatic payout

Other handling

Linked transfer settlement

Mail order price and credit card billing price on the Internet (Life cardEtc.) ・ SomeSecuritiesA service that immediately withdraws required funds from a regular deposit and savings account and notifies settlement through Internet banking authentication of Japan Post Bank (formerly Postal Savings Home Service) through company Internet trading.Pay-easyThe difference is that it is completed within the Japan Post Bank's remittance system without going through.A similar service is Bank of Tokyo-Mitsubishi UFJ's online deposit service (EDI) Etc. are applicable.

debit card

Japan Post Bank Pay-easy service

Specific hold

Shared card(Postal savingsCheck card≪Saison≫-JMB Postal Savings World Cash) Is used.It has been subject to reorganization due to the privatization of the postal service, and currently there is no system or service using this system.

International remittance

International remittances are handled only by designated post offices, and it is possible to send money to a postal savings transfer account in a country that handles the same postal savings operations as Japan, or to issue foreign exchange.

We also handle remittances to banks in 20 countries and 2 regions overseas, and if the amount is not high, the fee is cheaper than the foreign remittances of banks.

Related item

footnote

  1. ^ Japan Post BankIn the case of a passbook issued after the transfer, the notation is "Open a transfer account (remittance function)".
  2. ^ Transfer account-Japan Post BankJapan Post Bank Co., Ltd. Retrieved June 2017, 6

外部 リンク


 

Back to Top
Fermer