PRESTIA’s English-language remittance, fee tiers linked to balance, MultiMoney foreign-currency accounts, GLOBAL PASS, and the business-purpose restriction on online transfers.
PRESTIA offers strong English-language remittance and foreign-currency banking; standard online transfers are ¥3,500 (¥2,000 with a qualifying ¥1m relationship balance, free for Gold tiers), but online transfers cannot be used for corporate accounts or business-purpose funds.
PRESTIA (SMBC Trust Bank) is a leading English-language option for personal customers, with online, phone, branch, and mail remittance; remote channels require beneficiary pre-registration. Standard online transfers are ¥3,500, dropping to ¥2,000 with a qualifying ¥1 million relationship balance and free for Gold tiers. Branch service is generally ¥7,000.
A “pay in full” correspondent instruction is available for ¥1,500, but intermediaries can still charge, so it improves — not guarantees — full arrival. Incoming foreign-currency receipts can be retained in a supported MultiMoney currency, though correspondent charges may remain.
PRESTIA’s strength is foreign-currency operations: MultiMoney accounts hold multiple currencies, and GLOBAL PASS is a multi-currency Visa debit that supports overseas purchases and ATM withdrawals. The Global Pass transaction fee is listed as free, though ATM-owner and exchange charges may apply.
The key restriction: online transfers cannot be used for corporate accounts or business-purpose funds. Freelancers and businesses should confirm the permitted channel before using PRESTIA for client payments.
Bank (English support) · SMBC Trust Bank PRESTIA
The bank most often recommended for English-language service, multi-currency accounts, and international needs, aimed at globally minded residents.
Fees: Account and transfer fees vary; balance-based fee waivers apply — verify current schedule.