みんなの銀行

- Completely digital process: No need to visit a branch, no need for a seal, and no mailings.

- Open an account in as little as 5 minutes, 24/7, 365 days a year.

*As little as 5 minutes: When using My Number Card and password authentication.

- Deposits and withdrawals can be completed entirely via smartphone

- Virtual debit card issued simultaneously with account opening

- Limit transaction terminals to one device and use multiple authentication factors to prevent unauthorized access by third parties

- Supports biometric authentication such as fingerprints and facial recognition

◎ About security measures

https://www.minna-no-ginko.com/security/

【Basic Functions】

■ Depositing and withdrawing money

- Deposits and withdrawals at Seven Bank ATMs nationwide

- For those under 25, ATM withdrawal fees and transfer fees are free three times per month with the "U25 Z Discount"

■ Sending money

- Free transfer fees between Minna no Ginko accounts

- Automatic fixed-amount transfers can also be set up

- Supports "Kotora Transfer" which allows sending money via phone number or email address (free of charge) ■Saving Money

• Regular Savings Account: 0.5% per annum (0.398% after tax)

• Savings Account (Saving/Box): 0.6% per annum (0.478% after tax)

* Premium Member Savings Account: 0.9% per annum (0.717% after tax)

* The above deposits are protected within the scope of deposit insurance.

* Interest rates may change depending on market interest rate conditions. Interest is subject to a 20.315% tax, including the special reconstruction income tax.

【Unique Features】

■ Sorting Money

＜Digital Piggy Bank Function "Box">

・Organize your money by purpose within the app

・Choose your own name and save in your own style

・Automatic savings can be made daily, weekly, monthly, and yearly

◎Other Uses

・Saving for things you want

・Saving in advance to prepare for monthly payments

・Complete envelope sorting digitally

■ Paying Money

＜"Debit Card" to Prevent Overspending＞

・A virtual debit card is automatically issued upon account opening. A physical card can also be issued.

・Compatible with Google Pay™. Can be used for online shopping and contactless payments at JCB merchants.

・Instant withdrawal from your account within the limits of your deposit balance, preventing overspending with a cash-like feel.

・0.2% of the amount spent is returned as cash back. *Physical card issuance fee is 1,100 yen (tax included), free for premium members. It will be delivered to your registered home address approximately 10 days after your application.

■ Managing Your Money

＜Automatic Recording "Records">

・Visualizes assets and transaction history such as bank accounts, securities accounts, and credit cards

・Easy to understand with graph displays. Use it as a simple household budget tracker for tracking income and expenses.

■ Advance Money

＜Interest-free "Cover" for emergencies＞

・Automatically advances up to 50,000 yen for insufficient funds

・As an alternative to "post-payment services" where you pay at your preferred time

*Registration for premium service (600 yen/month, first six months free) is required

◎When to use it

・Insufficient funds for ATM withdrawals

・Want to make a payment immediately

・Prevent insufficient funds for utility bill deductions when using debit card payments

■ Borrow Money

＜App-based, flexible "Loan">

・No documents required, "easy screening" based only on annual income

・No mailings to your home or office, or phone calls for identity verification during application

・Initial screening results are available as quickly as the same day, and you can borrow money immediately after contract signing

・Interest-only repayment is also possible. Easy to use even for first-time users

• Credit limit: up to 10 million yen, annual interest rate: 1.5% to 14.5%

• Usage period: 1 year (automatic renewal)

■ Use it to your advantage

＜Premium Service (600 yen/month, first six months free)＞

• ATM withdrawal fees and interbank transfer fees are free up to 10 times per month

• 1% cashback on debit card usage

• Shopping insurance (domestic) covers items purchased with the debit card

• You can apply for automatic overdraft service that covers up to 50,000 yen

• Savings deposit interest rate is 0.9% per year (0.717% after tax), with a 0.3% bonus on the base interest rate

◎ Recommended for people who:

• Don't have time to go to the bank

• Want a payment card that can be used immediately for shopping

• Want to start managing their money

• Want to start going cashless

• Don't want to carry a wallet

• Want to save on bank fees * Want to increase your interest earnings more efficiently?

* Interest rates may change depending on market interest rate conditions. Interest is subject to a 20.315% tax, including the special reconstruction income tax.

* Offer Period

* Automatic renewal for one month from the start date.

* Automatic renewal unless you cancel your subscription at least 24 hours before the end of the contract period.

* Billing Method

* You will be billed via your Google account.

* Cancellation Method

* Uninstalling the app will not cancel your subscription. Please cancel through "Payments and subscriptions" in the Google account you used to purchase from the Google Play Store. You cannot cancel from the Minna no Bank app.

* How to cancel your subscription and check your contract status

Google Play Store > Profile icon in the upper right corner > "Payments and subscriptions" > "Subscriptions" > Minna no Ginko PREMIUM > "Cancel subscription"

■ Account Opening

STEP 1: Enter customer information

STEP 2: Upload identity verification documents

STEP 3: Identity verification video authentication

STEP 4: Login settings

■ Operating Company

Minna no Ginko Co., Ltd.

6-27 Nishinakasu, Chuo-ku, Fukuoka City, Fukuoka Prefecture

A member of Fukuoka Financial Group, Inc. (listed on the Tokyo Stock Exchange Prime), Japan's largest regional financial group.

■ Notes

・Debit cards, covers, and loans may not be approved depending on the results of the screening.

・Only individuals aged 15 and over are eligible (those under 15, FATCA-affiliated entities, CRS-affiliated entities, PEPs, foreigners, corporations, unincorporated associations/foundations, and voluntary organizations are not eligible).

・Please check the official website for the latest information: https://www.minna-no-ginko.com/

* Please review the Terms of Use and Privacy Policy before using the Minna no Ginko app.

Terms of Use: https://corporate.minna-no-ginko.com/term-of-use/

Privacy Policy: https://corporate.minna-no-ginko.com/privacy/

* This application connects to external services and waits for messages in its chat-based help service. Therefore, it requests for foreground service permissions for the purpose of receiving messages.

* For questions, requests, or app issues, please contact us at the following address:

customer_support@cs.minna-no-ginko.com