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🧳 | Next-generation financial app "Revolut" issues metal card in Japan 4 lounges available due to aircraft delay, 5 ...


Next-generation financial app "Revolut" issues metal card in Japan 4 lounges available due to aircraft delay, 5 ...

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Payment to the card can be made by credit card, debit card, or bank transfer.

REVOLUT TECHNOLOGI, which develops the next-generation financial application "Revolut" ... → Continue reading


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debit card

debit card(British: debit card) IsDeposit accountIt is a payment card linked with.Financial institution(Typicallybank) Issuance, and when you settle with this card, the price will be immediately deducted from your account. "David" is "David" in EnglishDebit"Meaning of.


Withdraw money in real time from a preset deposit account such as a bank.Cash cardThere are two types, one that uses the card as a payment card and the other that issues a separate payment card.

Unlike credit cards, in principle you can use it within the range that does not exceed your account balance,Overdraft,Card loanThere are also financial institutions that offer a service that allows you to borrow automatically when you are asked to approve payments that exceed your balance.

As a general rule, many cards are not examined when issued (JCB brand is examined).

Card typePayment typeRemarks
Credit cardPost-settlementExamination required
debit cardInstant paymentMany cards are unexamined
prepaid cardPrepaidNo examination, no account required

Since it cannot be used more than the deposit amount in the account, there are cases where a debit card is held for children's pocket money, and the issuable age is often set lower than that of a credit card.In addition, we will provide a debit card service for pocket money that parents can specify and manage the stores that can be used.FintechVentureAlso exists[1][2].

Debit card type

Comparison Chart

Debit card typePayment mechanismRegion / number of affiliated storesRemarks
International brand debitVISAVISA3,800 million locations worldwide"" And "+Is a sister brand
MasterCardMasterCard3,810 million locations worldwide"Maestro"Or"cirrusIs a sister brand
AMEXAMEX"JCBIt is also connected to the network.
JCBJCB2,700 million locations worldwideIt's also connected to the "Cirrus" network,2020/In the case of subsequent issuance, the Cirrus mark may not be displayed on the back side, in which case it is not supported.
Other major debitsUnionPayChinese UnionPay5,000 million locations worldwide (of whichPeople's Republic of China300 million places)Discover cardAnd mutual liberation of member stores
EFTPOSMember financial institutionAustralia-New ZealandAbout 82 places
interacMember financial institutionCanada45 places"Google Pay"When"Apple Pay","Samsung PayCan also be used
J-DebitMember financial institutionJapan45 placesThere is a limit to the available time

International brands such as VISA and MasterCardCredit cardNot only that, it also provides a wide range of its own brands and payment mechanisms to debit and prepaid card issuers.Therefore, as a general rule, member stores of each brand can make payments without distinguishing them from credit cards.However, check the balance each time you use it (referred to by credit card)Credit inquiry) Is required, so transactions in the form of not inquiring the balance (ImprinterSettlement bytoll roadTollhousegas stationIt cannot be used by paying with (payment of monthly utility charges).

International brands (VISA, MasterCard, etc.)

In North America, Europe, Australia, etc.Cash cardMost of the (English: ATM cards, Bank cards) are equipped with international brand payment functions such as VISA and MasterCard as standard, and can be used as debit cards.

As a result, debit cards are becoming more widespread and used in these countries.The United States of AmericaFor example, among card payments (prepaid, debit, or credit card payments with international brands), debit cards are the most popular on a payment basis, accounting for 35% of non-cash payments. (20% credit, 5% prepaid)[3].

Also, when making a payment with such a debit card, withdraw cash from your account at the cash register (Cash out) In some countries the service is provided.

In some countries such as Australia, when paying with a debit card, the user chooses whether to pay using a savings deposit, a checking deposit, or a credit card.

Country status



South Korea

  • Direct payment card

Democratic People's Republic of Korea (North Korea)

Prepaid electronic money "Practical profit" started in 2005 but appeared after thatNare(Issued by the Trade Bank of the Democratic People s Republic of Korea) is highly popular[4], Actual profit has not become the main payment method.It seems that Nare also has a bank account link card, but the actual situation is unknown.In the past, some international brand affiliated stores were found (hotels, department stores, etc.), but since the 1990s, they have become unusable for unknown reasons.

  • Profit(Northeast Asian Bank, 2005)



21st centurySince then, the number of international brand cash cards with debit functions is increasing.Some have made a distinction for individuals, corporations and sole proprietors.
List of issuing banks by brand

The issuerBrand (payment mechanism)Card nameAnnual membership fee (yen)Overseas handling office workFee (%)[5]3D secureExaminationOther
Suruga BankVISASURUGA VISA debit cardFree3.000YesYesCompatible with JR Central and JR West's smart EX payment methods.
Rakuten BankVISARakuten Bank VISA Debit Card(Former Rakuten Bank debit card)Free / 2,160 / 5,4003.080YesNoneGold cardExists.For VISA / JCB duplicate contracts[6], The card you applied for earlier becomes invalid. From March 2018Visa Touchless (Visa Contactless)powered by
PayPay BankVISAVisa debit cardFree3.020YesNone[7]JNB Star will be given when making payments with a personal account other than Famima T Card. Compatible with JR Central and JR West's smart EX payment methods.

After November 2018, 11 Visa Contactless installed from account opening application

Resona BankVISAResona Debit Card (Original / JMB)Free[8]2.500YesNoneEquipped with Visa Contactless from October 2017 issue
Aozora BankVISAAozora Cash Card PlusFree2.570YesNoneNot compatible with IC as a cash card
Saitama Resona BankVISAResona Debit Card (Original / JMB)Free[8]2.500YesNoneEquipped with Visa Contactless from October 2017 issue
Mitsubishi UFJ BankVISAMitsubishi UFJ Debit (VISA)Free3.000YesNoneCompatible with JR Central and JR West's smart EX payment methods
Kansai Mirai BankVISAResona Debit Card (Original / JMB)Free[8]2.500YesNoneEquipped with Visa Contactless from October 2017 issue
AEON BankVISAAEON debit cardFree1.600YesYesThere is a backup service that allows you to reimburse the usage amount up to 10 yen when the banking system is stopped or when the deposit account balance is insufficient. Equipped with Visa Contactless
Ryukyu BankVISARyugin Visa debit card[9]500+ taxUnknownYesNone
Sony BankVISASony Bank WALLETFree1.760[10]YesNone[11]Supports foreign currency deposit (10 currencies) settlement. If you shop at a VISA member store and pay the full amount from your foreign currency savings account, there is no fee. "Takashimaya Platinum Debit Card (annual membership fee 30,000 + tax)" will be recruited from October 2017, 10. Equipped with Visa Contactless from September 9, 2019. Compatible with JR Central and JR West's smart EX payment methods
Sumishin SBI Net BankVISABank card with Visa debitFree[12]Depends on the payment methodYesNone[13]Supports foreign currency deposit (US dollar) settlement.Equipped with Visa Contactless
Hokoku BankVISAHokkoku Visa debit card[14]By contract3.0 (tax included)NoneEquipped with Visa Contactless
Sumitomo Mitsui Banking CorporationVISASMBC debit(Debit card with international brand (Visa))Free3.0YesNoneInternational cash card serviceIt cannot be issued to the account that issues the corresponding card.In this case, it is necessary to cancel these services or issue them to a separate savings account. Visa Contactless and "iDIssued "SMBC Debit" equipped with the non-contact IC payment service. From March 2018, 3, we will start handling VISA debit integrated cash cards. Please note that JR Central and JR West's smart EX payment methods are "non-compliant".
West Japan City BankVISANCB David (Visa)[15]Depends on usage amountFreeUnknownUnknown
Joyo BankVISAJOYO CARD Debit (Visa debit card)[16]1,0803.000YesYes
Hokuriku BankVISAHokugin Visa Debit[16]1,080UnknownUnknownNone
Hokoku BankVISAHokkoku Visa Corporate Debit Card[17]Classic Free / Gold 1st 5,400 yen, 2nd and subsequent freeUnknownUnknownNoneIt is also possible to issue a "Northern ETC card" with no annual membership fee
Mizuho BankVISAMizuho Business DebitFreeUnknown○NoneFor corporations, sole proprietors, and voluntary organizations.Up to 10 cards can be issued.The card issuance fee is free for the first card (1 yen + tax for the second and subsequent cards). Equipped with Visa Contactless
Shiga BankVISA"Shigagin" Visa debit card[16]1,250+ taxUnknownUnknownUnknownMust be an individual or sole proprietor who holds a Shiga Bank savings account aged 15 or over at the time of application
Fukui BankVISAFukui Visa debit card[16]1,000+ taxUnknownUnknownNone
Resona BankVISAResona Business Debit Card[18]Depends on usageUnknownYesNoneEquipped with Visa Contactless.Debit cards for corporations and sole proprietors
Saitama Resona BankVISAResona Business Debit Card[18]Depends on usageUnknownYesNoneEquipped with Visa Contactless.Debit cards for corporations and sole proprietors
Kansai Mirai BankVISAResona Business Debit Card[18]Depends on usageUnknownYesNoneEquipped with Visa Contactless.Debit cards for corporations and sole proprietors
Hokkaido BankVISADogin Visa David[16]540+ taxUnknownUnknownNone
GMO Aozora Net BankVISABank card with Visa debitFree3.02YesNoneEquipped with Visa Contactless
Aichi BankVISAAichi Bank Visa David[16]1,000+ taxUnknownUnknownNone
Japan Post BankVISAJapan Post Bank Visa debit card (with prepaid function)
Free4.0YesNoneFrom January 2019, 1, debit charge function, Visa Contactless, maximum usage limit setting, IC chip, and overseas ATM withdrawal will be added to the prepaid card mijica. Please note that it may not be possible to use it to charge e-commerce on the Internet such as Google Play and Nintendo Prepaid. Scheduled to end service on July 28, 1[19]
Japan Post BankVISAJapan Post Bank David[20]Free3.0YesNoneEquipped with Visa Contactless
Daiko BankVISADaiko Visa debit card[16]1,000+ taxUnknownUnknownNone
Chukyo BankVISAChukyo Visa debit card[16]1,000+ taxUnknownUnknownNone
Iwate BankVISAIwagin debit card Saku Saku![16]1,000+ taxUnknownUnknownNone
SMBC Trust BankVISAGLOBAL PASS ®(Multi-currency Visa debit integrated cash card)FreeUnknownUnknownNoneSupports 18 currencies. Equipped with Visa Contactless and "iD" contactless IC payment services
Mitsubishi UFJ BankVISAMitsubishi UFJ-VISA Business DebitFreeUnknownUnknownNone
Yamanashi Central BankVISAMy Debit (Yamanashi Chuo Bank Visa Debit)[16]1,100UnknownUnknownNone
Chiba BankVISATSUBASA ChibaginVisa debit cardFree / Gold 11,000 / Platinum 110,000UnknownUnknownNoneEquipped with Visa Contactless.
Iyo BankVISAIyo Bank Visa Debit[21]Depends on usageUnknownUnknownUnknownFor Iyo Bank account holders over 12 years old. Equipped with Visa Contactless.
Minato BankVISAResona Debit Card (Visa)FreeUnknownUnknownUnknownEquipped with Visa Contactless
Minato BankVISAResona Business Debit Card[18]Depends on usageUnknownUnknownUnknownEquipped with Visa Contactless
Chiba BankJCBChibaginSuper card <debit>[16]432/1,350/10,8003.000Unknown
Ogaki Kyoritsu BankJCBOKB Debit Card (JCB)1,0803.000Unknown
North Pacific BankJCBNorth Pacific-JCB David[22]5403.000Unknown
Rakuten BankJCBRakuten Bank Debit Card (JCB)Free3.080YesFrom April 2015, if the debit card is not settled and payment is not completed, Co., Ltd.Japan Credit Information Agency Credit information is registered in (JICC)
Rakuten BankJCBRakuten Bank Business Debit Card (JCB)[23]1,0803.080Yes


Yamaguchi BankJCBYM David JCB1,250+ tax / 10,000+ taxUnknownUnknown
Momiji BankJCBYM David JCB1,250+ tax / 10,000+ taxUnknownUnknown
Kitakyushu BankJCBYM David JCB1,250+ tax / 10,000+ taxUnknownUnknown
Toho BankJCBToho BankAlways debit card (JCB)FreeUnknownYesFrom October 2017, 10, we started recruiting "JCB watching mail" services.
AEON BankJCBAEON Bank CASH + DEBITFree1.600YesWAON Equipped as standard
Fukuoka BankJCB
  • Debit + nimoca
  • Debit + SUGOCA
  • Debit +
[25]Depends on contract and usage statusUnknownUnknownnimoca You can choose whether or not to install it.At the time of application, an account for which a cash card to be linked is issued is required, but it can also be used for an Internet branch account. From August 2017, 8, Debit +SUGOCAStart recruiting
Seven BankJCBSeven BankCash card with debitFree3.000YesNanaco installed type and non-installed type can be selected.
Ehime BankJCBHimegin JCB Debit[26]1,350UnknownUnknown
West Japan City BankJCBNCB Debit (JCB)[27]Depends on usage amountUnknownUnknown
Mizuho BankJCBMizuho JCB Debit1,080 (tax included)3.4YesAnnual membership fee is exempted if payment is used more than once a year.
Kiyo BankJCBKiyo JCB Debit Card[28]General 1,000+ tax / Family 500+ taxUnknownUnknown
Hokuriku BankJCBHokugin JCB Debit[16]1,080UnknownUnknownNone
XNUMX BankJCBXNUMX JCB DebitGeneral 1,250+ tax / Gold 10,000+ tax4.6YesNone
  • For general cards, the annual membership fee will be reduced or exempted depending on the usage status.
  • The cash withdrawal fee in local currency at overseas ATMs is the sum of the administrative fee of 108 yen (tax included) set by the Bank and the fee specified by the ATM to be used.
Akita BankJCBOnly One Debit1,080 (tax included), family card issuer adds 1 yen (tax included) per cardUnknownUnknown
  • Free annual membership fee for the first year
  • For general cards, the annual membership fee will be reduced or exempted depending on the usage status etc.
Okinawa BankJCBOkigin JCB Debit[29]Main member 500 (family member 250)UnknownUnknown
Nagoya BankJCBMeigin JCB Debit[29]Main member 1,080 (family member 540)UnknownUnknown
Kumamoto BankJCBDebit +[30]General main member 1,350 (family member 432) / gold 10,800UnknownUnknown
Juhachi Shinwa BankJCBDebit +[30]General 1,250+ tax / Gold 10,000+ taxUnknownUnknown
Mitsubishi UFJ BankJCBMitsubishi UFJ Debit (JCB)FreeUnknownUnknown
Kyoto BankJCBBank of Kyoto JCB Debit[31]Main member 1,250+ tax / Family member 400+ taxUnknownUnknown
Juroku BankJCBJCB Debit[29]1,080UnknownUnknown
Ikeda Senshu BankJCBThe Senshu Ikeda David (JCB)[29]Main member 1,000 / Family member 400UnknownUnknown
Bank of ChinaJCBDreamy Debit Card <JCB>[29]Main member 1,250 / Family member 400UnknownUnknown
Hiroshima BankJCBHIROGIN Debit[32]General 1,250 / Gold 10,000UnknownUnknown
HachijuniJCB82Debit[29]Main member 1,350UnknownUnknown
Kagoshima BankJCBKagin JCB Debit[29]Main member 1,250 / Family member 400UnknownUnknown
Awa BankJCBAwagin JCB Debit[16]1,000+ taxUnknownUnknown
Hokuriku BankJCBHokugin JCB Business DebitUnknownUnknownUnknown
Tochigi BankJCBTochigin JCB DebitUnknownUnknownUnknown
Higo bankJCBHigo Bank JCB Debit Card[33]Depends on contract and conditionsUnknownUnknown
Saga BankJCBSagin JCB Debit[34]Depends on contract and conditions3.000Unknown
Everyone's bankJCBDebit CardFreeUnknownUnknownA cardless debit card that can be issued from everyone's bank smartphone app.No plastic card issued
au jibun bankJCBJibun Bank Smartphone DebitFree3.000YesA cardless debit card that can be issued from the Jibun Bank smartphone app.No plastic card issued
Yamagata BankJCB<Yamagin> David JCB[35]Depends on contract and conditionsUnknownUnknown
Sumishin SBI Net BankMasterCardDebit card (Mastercard)[36]By contractUnknownUnknownMasterCard contactlessEquipped with functions.You can apply even if you have a corporate account. Compatible with JR Central and JR West's smart EX payment methods.Apple PayCorrespondence.Google PayCorrespondence.
Tomato bankMasterCardTomato Mastercard debit[16]1,000+ taxUnknownUnknownEquipped with MasterCard contactless function
Rakuten BankMasterCardRakuten Bank Debit Card (Mastercard)FreeUnknownUnknownEquipped with MasterCard contactless function
Bank of China(Base in Japan)UnionPayUnionPay debit card1,000 JPYUnknownUnknown
China Construction BankTokyo branchUnionPayConstruction Bank UnionPay Debit Card1,000 JPYUnknownUnknown


In 1999Fuji BankBecame the secretary-generalNTT Data-JTB-Postal savings-Ogaki Kyoritsu Bank-Tokyo Sowa BankThe Japan Debit Card Promotion Council was established jointly with other companies, and since March 2000, "J-Debit(J David) ”is provided.Of financial institutions that are members of the councilCash card(Approximately 2011 million cards as of 4) is regarded as a debit card, and like Maestro, funds are immediately withdrawn from the deposit account by entering the PIN code of the cash card in the PIN pad."Card", "J debit", "JD" are recorded in the subject column at the time of withdrawal, and "Kana notation of member stores" is recorded in the description column.

Financial bangExpected to spread as one ofJTB-Consumer electronics storeEach companyMatsumotokiyoshi-e-collect·Domesticlife insurance(Initial insurance premium payment) ・ Klepico (TaxiIn-vehicleCredit reference terminal),Postal savings・ AllCity bank-Second regional bank-Credit union-Labor union-JA Bank, MostLocal bank-Trust bankIt has been available since 2000, but among the major banksTokyo Mitsubishi Bank-Mitsubishi Trust Bank-Japan Trust BankとAozora BankWas initially unavailable without participation (as of 2016)Mitsubishi UFJ BankIs a security type IC card and Disney design[37]Available except[38],Mitsubishi UFJ Trust and Banking CorporationAozora Bank is not available[39]. Also,All over HokkaidoAnd part of Tokushima PrefectureAgricultural cooperativeOr smallFisheries cooperative, Occupation / EthnicityCredit cooperative, Established since 2000A new form of bank(Many institutions cannot be used on the Internet or distribution).

Depending on the financial institution used, J-Debit transaction history may be added to the preferential service, or fraudulent use insurance may be attached.

CAFISCorresponds to useCredit reference terminalCredit card merchants who have a credit card can handle it at the same time by concluding a contract with a J-Debit merchant.In addition, it takes a minimum of 3 business days from the withdrawal account → settlement between financial institutions → payment of sales proceeds, and the payment is quicker than credit cards and brand debit cards via acquirers, and merchant fees tend to be suppressed.Point CardIn many cases, the return rate is based on cash payment.

The available time is entrusted to each financial institution, and the usage time on the user side is generallyConvenience store ATMIt is the same as the withdrawal time of.There is a core time for use, and basically there is an agreement on the minimum usable time zone, so usuallyNationwide cash serviceThe minimum operating time is available, but the withdrawal account or the financial institution of one of the member stores is in maintenance.Account systemIf you stop, it may become unavailable even during the day.

Since the corresponding cash card is used as a debit card as it is, there are no restrictions on the age and attributes of the user (it is considered to be an illegal withdrawal if used by a third party other than the family).However, since around 2006, the amount of J-Debit that can be used is included in the daily withdrawal limit (about 1 to 50 million yen) due to the suppression of fraudulent withdrawals, so it cannot be handled with a credit card such as insurance premium payment. If you wish to make a large amount of payment, you need to raise the withdrawal limit at the counter of the financial institution.In addition, since brand debit cards began to be launched in Japan from that time, the total amount handled has been declining since it peaked at 100 billion yen in 2005.

The Japan Debit Card Promotion Council regularly carries out campaigns, but the number of member stores has peaked at about 45.Usage rate is low compared to credit cards and electronic money[40].


convenience store OfLawsonOriginally, as a J-Debit member store, I intended to handle cash cards issued by all financial institutions that are members of the Japan Debit Card Promotion Council, but this was not realized due to various problems such as the fee rate paid to member financial institutions, and the fee rate. In 2001, we formed individual alliances with the following financial institutions that cleared such problems.POS cash registerSince the time of renewal, it has been equipped with a PIN pad and has started handling.Therefore, Lawson simply refers to it as a debit card.

  • Yucho Bank, Ogaki Kyoritsu Bank (2017/May 2End of handling), Towa Bank, Shimane Bank, Saikyo Bank, Shinkin banks nationwide[41]

2015/In the walletTipIn the name ofJCBprepaid cardIs issued.


  • EON --Partnership with VISA Electron


In mainland China (the so-called continental area), debit cards are widespread in almost the entire population.UnionPay offers both credit and debit, and is increasing the number of affiliated stores all over the world, and it is highly called as a "new international brand" due to its network and transaction volume.However, in terms of payment methods in everyday situationsQR code settlementIs the most popular in the worldAlipay,WeChat paymentThe development of is remarkable.

  • CUP(Union Pay) --Debit alone issued 57 billion copies, far exceeding the mainland population (as of the end of December 2016).Transaction volume in China 12 trillionCNY(Approximately 9 billion euros) (including credits)[42][43].


  • Smart Pay- Hokkaido BankIn partnership with, it can also be used at some affiliated stores and ATMs in Japan.


[How to use footnotes]
  1. ^ "Green Light children's debit card, cashless pocket money only at stores that can be used”. Digital Innovation Lab (November 2017, 11). 2018/12/13Browse.
  2. ^ “Children's debit card cashless pocket money”. Nihon Keizai Shimbun(July 2017, 12). https://www.nikkei.com/article/DGXMZO24581840T11C17A2EE9000/ 2018/12/13Browse. 
  3. ^ [1] (PDF)
  4. ^ Electronic payment card that can be bought in Japanese yen, PC with removable keyboard such as Surface Book-Visit the latest IT situation in North Korea
  5. ^ For JCB, the rate to add to the designated rate (1.6%)
  6. ^ If you apply for JCB debit, which was issued later, it will be replaced with JCB, and the existing VISA debit will be discontinued after a lapse of time regardless of the expiration date.Conversely, if a JCB debit user applies for this card, JCB debit cannot be used either.
  7. ^ "JNB Star Program”. Japan Net Bank. 2016/8/2Browse.
  8. ^ a b c With JMB, 2+ tax if there is no usage record for the second year or later and for one year.
  9. ^ Free for the first year. From the second year onward, you can use it for 2 yen a year and get free the next year."Overview of Ryugin VISA Debit Card (PDF)”. Bank of the Ryukyus. 2016/3/20Browse.
  10. ^ When a foreign currency account holder makes a purchase at a VISA member store, assists from yen (when the balance of the foreign currency savings account is insufficient due to overseas shopping or withdrawal of an overseas ATM, the shortage is automatically made from the yen savings account. If you can use the debit service), you will be charged the exchange cost specified by Sony Bank instead of 1.760% (eg: 1 sen per US dollar).
  11. ^ "Sony Bank WALLET (Visa debit card)”. Sony Bank. 2016/8/2Browse.
  12. ^ "Bank Card with Visa Debit-Product Overview Manual”. Sumishin SBI Net Bank. 2016/3/20Browse.
  13. ^ "Bank Card with Visa Debit-For Overseas Use”. Sumishin SBI Net Bank. 2016/8/2Browse.
  14. ^ "Product Information | Hokkoku Visa Debit Card | Convenient Use | Hokkoku Bank”. Hokkoku Bank. 2016/5/28Browse.
  15. ^ Free for the first year, 1,000 yen (excluding tax) for the following years.Free annual membership fee for the following year with a usage amount of 1 yen or more for the previous year
  16. ^ a b c d e f g h i j k l m n Free for the first year and if the conditions are met
  17. ^ "About the start of handling of Hokkoku Visa corporate debit cards" (PDF) (Press Release), Hokkoku Bank, (November 2017, 11), http://www.hokkokubank.co.jp/other/news/2017/pdf/20171124.pdf 2017/11/25Browse. 
  18. ^ a b c d Main card: 1,000 + tax (free for the first year), sub card: 500 + tax, annual membership fee for the following year is free if you use each card at least once a year
  19. ^ Visa debit card / prepaid card (mijica) - Japan Post Bank
  20. ^ Japan Post Bank David - Japan Post Bank
  21. ^ Free for the first year, 2 yen (tax included) for the second and subsequent years.However, even after the following year, if you are 1,375 years old or younger and the annual usage amount is 22 yen or more, the annual membership fee is free.
  22. ^ Free in the first year
  23. ^ "Rakuten Bank Business Debit Card (JCB) Issuance Start Notice" (HTML) (Press Release), Rakuten Bank, (March 2016, 3), https://www.rakuten-bank.co.jp/press/2016/160328.html 2017/11/25Browse. 
  24. ^ “Start issuing JCB branded debit cards for sole proprietors” (HTML) (Press Release), Rakuten Bank, (March 2017, 11), https://www.rakuten-bank.co.jp/press/2017/171120.html 2017/11/25Browse. 
  25. ^ Free for the first year of general cards, 2 yen + tax for the second and subsequent years.It will be free depending on conditions such as setting up a mobile phone charge deduction account.Gold card is 1,250 yen + tax
  26. ^ Annual membership fee is free for the first year
  27. ^ Free for the first year, 1,000 yen + tax from the next year onwards.Free annual membership fee for the following year with a usage amount of 1 yen or more for the previous year
  28. ^ The annual membership fee for the first year is free.The annual membership fee will be free if the prescribed conditions are met in the next fiscal year as well.
  29. ^ a b c d e f g The annual membership fee for the first year is free. Conditionally free from the second year onwards
  30. ^ a b For general cards, the annual membership fee for the first year is free. Conditionally free from the second year onwards
  31. ^ The annual membership fee for the first year is free.Conditionally free annual membership fee for the following year
  32. ^ For general cards, the annual membership fee for the first year is free. Conditionally free from the second year onwards
  33. ^ General Free for the first year, Free for the second and subsequent years (2 for the person, 1,375 for the family) / Gold 440 Free for one family member (11,000 per person from the second person)
  34. ^ General There is a condition that it will be free for the first year and free for the second and subsequent years (2)
  35. ^ General There is a condition that it will be free for the first year and free for the second and subsequent years (2)
  36. ^ General card is free. PLATINUM 10,800 (tax included)
  37. ^ If you do not issue a new system, temporarily disable it, or do not make it available for the time being after the new system starts operating
  38. ^ ""J-Debit Navi Bank of Tokyo-Mitsubishi UFJ”. Japan Debit Card Promotion Council. 2016/8/21Browse.
  39. ^ ""J-Debit Navi Financial Institution Search Results List Other Financial Institutions 1”. Japan Debit Card Promotion Council. 2016/8/21Browse.
  40. ^ "About the recent status of J-Debit service (PDF)”. Japan Electronic Payment Promotion Organization, Japan Debit Card Promotion Council (December 2011, 12). 2019/10/8Browse.
  41. ^ "debit card". Lawson. 2017/7/28Browse.
  42. ^ Current status of cashless society in China --China UnionPay
  43. ^ Announcement of "Bank Card Industry Development Report" 66 billion UnionPay cards --"People's Network Japanese Version" May 2018, 5

Related item

外部 リンク


TransferWhat is (Furikomi)?money transferIt ’s a kind of method,Financial institutionWas opened inDeposit and savings accountIt is to pay money to.In addition, transactions that transfer funds between deposit accounts that you manage aretransferIt is distinguished as (reflection).It is also done with family accounts, but some financial institutions do not accept it under a different name.

Payment services such as transfer and payment contract by fund transferJapan,Western EuropeAs is common inAmericaEtc.checkBy sending (JapanPostal money order,Parallel remittance(Equivalent to) The remittance method is common.

Means of transfer

Normally, you can apply for a transfer by specifying the destination financial institution, account number, and recipient's name at all the sales counters of private financial institutions in Japan.cashIn addition,deposit,Bill-checkKinds can also be used for money.In addition, other bank paymentBill,checkUsually, the money is transferred after the collection, so it will not be transferred to the other party on the day of application.

Automatic machine transfer

At most financial institutionsTMJIt is possible to transfer by.Instead of submitting the transfer request form, enter the amount, destination financial institution, account number, and recipient in the automatic machine.Normally, the client's cash card is inserted and the substitute money (transfer fund) and fees are paid from the client's deposit account, but a financial institution that can directly deposit cash into the machine and request a transfer even if it is not a depositor ,Card loanSome financial institutions accept credit card transfers.In the case of automatic transfer, it is convenient because the other party's online inquiry is made after entering the amount and the destination account number, and the transaction can be decided after the authenticity of the destination account and the recipient is displayed on the screen.However, online inquiries may not be made depending on the other party and time zone, and in either case it is necessary to be careful about incorrect specification of the transfer details.

Transfer by communication terminal

Open a deposit account andTelTransactionsInternet bankingBy contractingインターネットTransfers can be made using a connected terminal.Some financial institutions have an online inquiry function similar to automatic transfer in communication transactions, but it is also necessary to be careful about incorrect specification of transfer details.Such transactions are also offered to businesses, and in addition to Internet transactions,NTT DataYou can make transfers, general transfers, and transfers using a dedicated communication network such as ANSER-PC.Magnetic tape,floppy diskSpecific format (such asFormat) Submit the data recorded in (mainlySalaryThere are also large-scale transactions (used for transfer) and reservation transactions (general transfer).Online trade,Mail orderNet debit service used as a means of remittance, mainlyUtility charges・ Used for payment of services, etc.PaigeIs similar to a transfer.

Type of transfer

Telegraph handling

Telegraph handling (Denshin Atsukai) is mainlyZengin Domestic Exchange SystemThe transfer / collection efforts are processed electronically through the above, and if the request is made by 15:15 on the business day, the payment will be completed (immediately) within the day.The final time limit for financial institutions to make efforts will be postponed.In addition, some banks' unmanned transaction services allow same-day transfers even after 24:XNUMX until the designated time or XNUMX hours a day.

There is a limit to the number of characters that can be entered as a transferee, and the number of characters notified to the recipient and the number of characters displayed in the passbook are determined by the financial institution of the other party.In generalDeposit and savings passbookAbout 13 characters are displayed in the space adjacent to the deposit amount, but it corresponds to the display of up to 30 characters with line breaks.In addition to the number of characters, there is a certain notation for character input,Consonant(Yuyo etc.) should use uppercase letters (Tsuyayuyo etc.) instead of lowercase letters,Dakuten(") ・Semi-voiced sound markIn addition to entering (゜) as an independent character, the company / organization name is abbreviated, such as "ka" for a corporation and "sai" for a foundation.In this case, wrap the abbreviation between the abbreviated name and the proper name.bracketsAnd omit the parentheses at the beginning and end of the sentence.According to this notation, the notation is as follows.

F) In the case of Tokyo Shoji [Tokyo Shoji Co., Ltd.]
In the case of Osaka Institute of Technology (Ka [Osaka Institute of Technology]]
In the case of Satsuhoroshiyokuhin (Ka) Nagoya (Ai [Sapporo Foods Co., Ltd. Nagoya Sales Office]

Incidentally,Zengin SystemAfter joiningJapan Post BankRegarding transfer accounts, regular savings, and regular savings, in principle,

In the case of Kabushiki Kaishiya Tokiyoushiyouji [Tokyo Shoji Co., Ltd.]
In the case of Osaka Institute of Technology [Osaka Institute of Technology]
In the case of Satsuporoshiyokuhin Kabushiki Gaishiya Nakaya Aigiyoushiyo [Sapporo Foods Co., Ltd. Nagoya Sales Office]

Kana notation registration such as (one space is inserted in the part corresponding to half brackets) (In advance, for all transfer account users including personal names and ordinary savings users in corporate names , In the postcard, along with the account number read for the Zengin system, the kana notation was also notified).In addition, the holder submits a correction registration at the window of the directly managed store or the savings window of the post office (submit a "transfer transfer notification form" for a transfer account, and a "name change notification form" for ordinary savings / ordinary savings savings. ), For example, it is possible to change the notation of "frugality" to "ka" (the same applies to limited companies, school corporations, branches, sales offices, etc.).

Document handling

Document handling is a method in which data of a transfer request is recorded on a medium (magnetic tape, etc.) and payment is made between financial institutions through a "magnetic tape exchange system" or the like. Since media data is exchanged between financial institutions through the "magnetic tape exchange system", it takes about 2 to 5 business days from the transfer request to the actual payment to the other party's account, but the handling fee is charged. Since it is cheaper than telephony, it is often used to transfer salaries and dividends.Currently, this document handling transfer is almost stopped.


At the time of transferCommissionIf is collected, the amount is roughly100 JPY(TMJTransfer to the main branch office)- 1000 JPY(Transfer to other financial institutions by the counter)With the windowTMJOr communication trading,cashとCash card, The amount is different for the main branch and other banks.

Some financial institutions offer free transfer to their own banks (some banks include group banks) using automated means by individual depositors.

Public money・ When transferring certain fees such as tuition fees from a designated depository with a dedicated request form, or to an account designated by each financial institutionDonationIn the case of transfer of disaster relief money, etc., there may be no fee (in some cases, the recipient may be responsible for the transfer, or ATM or Internet banking may not be exempt from the fee).

Transfer passbook

Depending on the financial institution, in order to save stamp duty on individual receipts and improve the convenience of ATM transfers, the transfer passbook (or names such as "transfer statement" and "transfer usage book") will be used at ATMs (during transfer operations). It is issued at the counter.

Transfer card

In addition to the transfer passbookTransfer cardSome financial institutions issue (transfer tickets) when operating at ATMs.The transfer card is a paper card of the same size as a cash card, with the transfer account / recipient name displayed on the front side and magnetically registered on the back side.Instead of inputting the other party, you can transfer by inserting a card, which is convenient.Normally, it will be issued at the same time when a new transfer transaction is completed,Keiyo BankSome financial institutions set a discount on fees when using a transfer card.Since the client's phone number is also registered on the card, if the number is changed, it will be recreated.

Transfer registration

In addition, some financial institutions can register the transfer destination when making a transfer using a cash card (or at the counter), and can more easily specify the transfer destination when making the next transfer.Recently, some financial institutions are using the IC part of their IC cash card for registration.However, in the case of a card with an expiration date or a credit-integrated type, data cannot be transferred to a replacement card, so re-registration is required after switching.

Application of identity verification method

Money launderingIn addition, in response to international demands for prevention and capture measures for funding related to crime and terrorist acts2007/(Heisei19 years)May 1ToIdentity verification method(CurrentAct on Prevention of Transfer of Revenue from Crime) The enforcement order was revised.As a result, new cash receipts and payments associated with remittances will be made.10,000,000 yenIn each case, it is obligatory to confirm the identity according to the conventional method of opening an account.The same applies when the payment is withdrawn from an account that has not undergone identity verification.For this reason, the maximum amount for cash transfers by ATMs that do not undergo identity verification (identity verification is practically difficult) has been set at 10 yen (however, it is a one-time maximum amount, and the transfer is made. Although it costs a fee for the number of times, it is possible to divide it into 1 yen and make the transfer without confirming the identity (if it is 10 yen, it can be divided into 50 times).

In addition, transactions performed by customers of deposit and savings accounts that have undergone identity verification are not covered, and transfers by account debit or cash card transactions will be handled as before as long as the account has undergone identity verification (note that the identity is confirmed). Accounts that were opened before the enforcement of the verification law and have not undergone identity verification will be treated in the same way as cash transfers, and the maximum amount will be limited to 10 yen. However, depending on the financial institution, even if the account has not undergone identity verification. It may not be possible to transfer money).At the same time, when making a transfer of more than 10 yen using a card from another financial institution, the ATM-providing financial institution will inquire of the card-issuing financial institution whether or not the identity verification has been completed (if not completed, no transaction will be made). Is obligatory.


Transfers can be made between accounts that you manage.資金To transfer.

Concrete example

As an exampleordinary・ Savings / regular / savings accounts, current / notification / foreign currency, etc.depositAccount andPublic bonds-Investment trust-Gold bullion-Financial bondUsed to transfer funds between custody accounts.

In the case of Japan Post Bank

Japan Post BankThen, there are auto fixed amount / auto fixed amount that transfers money from ordinary savings to regular savings / fixed amount savings on a designated day, and swing service that transfers (deposits / withdrawals) to and from ordinary savings savings like financial institutions.In addition to this, if it is a financial institution that can transfer between different names, it is also possible between accounts such as companies (individual business owners' accounts with a name), in-house deposits, and family members.

Automatic transfer

telephone fee-Electricity charges-Water chargesVarious utility charges such asNHK OfReception fee-Credit card-In some cases, monthly payments such as installment payments may be automatically transferred from the account managed by you to the telephone company, electric power company, waterworks bureau, NHK, etc.This is called automatic transfer (so-called withdrawal).In addition, depending on the financial institution, there is also a service that automatically transfers a fixed amount every month from your own account to an account that specifies monthly fees and rent.

International exchange

Remittances overseasForeign exchangeThis is possible at financial institution stores and some post offices that have been designated as dealers.

Even if both the client account and the recipient account are financial institutions in Japan, if you want to send money in a currency other than Japanese yen, basically the method is similar to sending money to a foreign country or receiving remittance from a foreign country. To use.

Foreign remittance

Overseas remittances are made to foreign financial institutions, and in the case of wire transfer, the money will be deposited in the other party's account (Country A → Country B / Country B → Country A) within the day at the earliest.It should be noted that even a small amount of remittance generally costs several thousand yen.However,FintechWith the development ofWise Low-fee overseas remittance services such as[1].

Deposit insurance

Money related to transfers, transfers, etc.Deposit insurancePlease note that the above deposit receivables are calculated including other deposit receivables.


[How to use footnotes]
  1. ^ Janet Novack (January 2017, 1). “Forbes "FinTech 50" International Remittance / Business Service List of 8 Companies”. Forbes.com. 2020/10/21Browse.

Literature information

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