d NEOBANK 住信SBIネット銀行-銀行・ネット銀行

Sumishin SBI Net Bank became a member of the NTT Docomo Group on October 1, 2025.

Both Docomo users and non-Docomo users can use our services conveniently and safely.

◆ Unlimited free ATM withdrawals (Seven Bank ATMs and Lawson Bank ATMs) using the "ATM with App" feature

◆ Smartphone debit card usable immediately after account opening

◆ Account opening in as little as 5 minutes from application if you have a My Number Card and a smartphone
*Depending on the screening process, it may take some time to receive notification of the account opening result.

◆ Secure and comfortable transactions without a password

This is the official smartphone app provided by Sumishin SBI Net Bank.

From account opening to transfers and balance inquiries, as well as foreign currency deposit transactions and various loan applications, almost all transactions can be handled with this single app.

【Main Features】
◆ Account opening with the app: Account opening completed in as little as 5 minutes from application!

・By selecting "My Number Card reading" as the identity verification method, you can open an account in as little as 5 minutes.

・Initial setup can also be done through the app.

◆ "ATM via App" - Deposits and Withdrawals Without a Cash Card
- You can deposit and withdraw money free of charge any number of times at Seven Bank ATMs and Lawson Bank ATMs nationwide (excluding some locations).
- Even those without a cash card can use this service to deposit and withdraw money.
- *Registration for Smart Authentication NEO is required to use the "ATM via App" service.
- *If you use an ATM with a cash card, it is free up to 20 times per month depending on your rank.

◆ Transfers
- Transfer fees to other financial institutions are free up to 20 times per month depending on your rank.
- Transfers up to 100,000 yen are automatically applied to Kotora Remittance, allowing you to send money free of charge any number of times. (*Limited to financial institutions that support Kotora Remittance)
- We also have functions such as "Fixed Amount Automatic Transfer," which allows you to automatically transfer money on a fixed day each month, and "Fixed Amount Automatic Deposit," which allows you to automatically withdraw money from other banks and deposit it into our account.

* **"Insufficient Balance Alert"** You will receive email and push notifications if the balance in your primary account's yen savings account falls short of the scheduled withdrawal amount.

* **"Debit Card" - The more you deposit, the higher the reward rate!**
* **Sumishin SBI Net Bank's debit card offers increased point reward rates depending on your Smart Program rank. Please check the official website for details on eligible card types, etc.

https://www.netbk.co.jp/contents/lineup/smartprogram/**
* **Debit cards deduct funds directly from your bank account, eliminating the need for troublesome top-ups. This also helps prevent overspending.**
* **Register with Google Pay™ for contactless payments.** Complete your shopping with just your smartphone.

* **"Smart Authentication NEO" - Secure Biometric Authentication, No Password Required!**
* **Registering for Smart Authentication NEO eliminates the need for web transaction passwords and authentication numbers for each transaction.**
* **It can also be used to approve transactions on PCs and other devices outside of the app, preventing fraudulent transfers.**

◆ "Purpose-Specific Accounts" for Separating and Managing Money
- You can create up to 10 purpose-specific accounts, allowing you to manage money you want to keep separate, such as savings for the future or travel expenses.

◆ "SBI Hybrid Deposit" for Smooth Fund Transfers with SBI Securities
- Automate fund transfers with "SBI Securities," a popular NISA provider, eliminating the need for manual deposits.
- Supports regular fund transfers of fixed amounts, such as for investment plans, making investing smoother.

◆ "Smapro Points" - Accumulated Points Can Be Exchanged for Cash or Used for Point Payments
- Check your "Smapro Points" balance, which are earned through salary deposits, direct debit settings, and debit card usage.
- Accumulated points can be exchanged for cash or JAL miles, as well as used for point payments.

【Other Functions】
◆ Balance Inquiry/Deposit/Withdrawal Details
◆ Real-time Notifications
◆ Yen Deposits/Structured Deposits
◆ Foreign Currency Deposits

【Notes】
- Some limitations may occur depending on the device, etc.

* If you use the yen symbol (¥) in any passwords you set on our website, some smartphones may not be able to handle it.

In that case, please enter a backslash (\) instead of ¥.

[Inquiries]
If you have any problems or requests regarding the app, please contact us using the inquiry form below.

https://netbk.jp/contactapp

◆Sumishin SBI Net Bank is recommended for people like this:
・Considering opening an online bank account
・Want to open an account with an online bank app that allows foreign currency deposits
・Want to easily manage foreign currency deposits with a bank app
・Want an online bank app that allows deposits at convenience store ATMs
・Want to manage bank accounts with an online bank app
・Want to check the balance of foreign currency deposits via internet banking without going to a bank ATM
・Invest using SBI Securities' stock app and want to make deposits easily
・Considering opening a bank account for bonds, iDeCo, or Tsumitate NISA, and are interested in online banks
・Want to check the balance with an online bank app instead of a passbook
・Want to open a bank account first before starting internet banking
・Want an online bank app that allows the use of home loans
・Want to check the balance of foreign currency deposit accounts with a passbook app without going to a bank ATM
・Want to make deposits via internet banking without going to a bank counter
・Want an online bank app that allows bank account management anytime
・Internet I want to manage my foreign currency deposits and perform other banking procedures such as deposits using online banking.
- I want to open a bank account online using an account opening app.
- I want to manage my online bank account on my smartphone.
- I want an online banking app that allows me to deposit money without going to a bank ATM.
- I want to manage multiple bank accounts together using internet banking.
- I want to use smartphone debit immediately after opening an online bank account.
- I invest using the SBI Securities stock app, so I want to open an online bank account that can be linked with SBI Securities.
- I want to use smartphone debit like d払い Touch using a banking app.
- I find going to ATMs troublesome, so I want to manage my bank account using an online banking app.
- I want to deposit money into my bank account using an online banking app.
- Since the d Smart Bank app service has ended, I want to open a new account with a Docomo Group online banking app.
- I am interested in internet banking, which allows me to perform banking procedures such as deposits without going to a bank ATM.
- I want to start using internet banking.
- I have opened an online securities account, so I want an online banking app that allows me to perform deposit procedures. I want a pre-order
- I want to easily open a bank account with a banking app
- I want to open a bank account with an online bank in order to take out a mortgage
- I am interested in online banks that allow for hassle-free account opening and deposit confirmation
- I want to start using internet banking so I can manage my account without going to a bank branch
- I am interested in mortgages from online banks
- I have used Docomo's "d Smart Bank" in the past and want to open a new online bank account
- I am interested in internet banking that allows me to manage my bank account online without going to a bank ATM
- I want to use an online bank debit card like d Payment Touch
- I want to try using an online banking app with debit card functionality
- I want to manage separate bank accounts for different purposes
- I want a debit card that allows for touch payments like d Payment Touch
- I want to open a bank account that allows for easy deposits into investment accounts such as bonds and NISA investment accounts
- I use an SBI Securities account and have the stock app, investment trust app, and smart app
- I want to easily confirm deposits into my bank account with internet banking
- I want an online banking app I want to use it to open an online bank account without going to a bank.
- I have used "d Smart Bank," a digital account service provided by Docomo, and am interested in Sumishin SBI Net Bank, which is part of the Docomo Group.
- I use SBI Securities with the Smart App and want to link it with an online bank.
- I want to manage multiple bank accounts, such as foreign currency deposits, with one online bank app.
- I use an online securities account to invest in bonds, iDeCo, and Tsumitate NISA.
- I want to check the balance of my foreign currency deposit account with the bank app.
- I want to use a convenience store ATM to pay for bank transactions. I want to try using the "ATM with App" feature, which allows for further transactions.
- I want to easily manage my bank accounts with internet banking.
- I want to easily check deposits into my bank account with a bank app.
- I want to open a separate bank account for deposits, in addition to the online securities account I use for investments in iDeCo and Tsumitate NISA.
- I want a bank app that makes managing bank accounts easy.
- I want to use an online bank app as a passbook app.
- I want to earn d points by using features such as debit cards, salary deposits, and direct debits. *These are some of the benefits scheduled to be offered from August 2026.