Current Position:HOMESeven Bank Account HoldersLearn about AccountsService OutlineService Outline for Seven Bank Account

Service Outline for Seven Bank Account

(As of January 10, 2018)

Product Name

Seven Bank Account

Eligible Customers

Individuals residing in Japan, in principle("residents" as defined in the Foreign Exchange and Foreign Trade Act of Japan)

  • *A Seven Bank Account bears the account holder’s first name and family name only.(A Seven Bank Account may not be used as a business purpose account.)
  • *Each customer cannot have more than one Seven Bank Account.

Product/Service Description

The lineup of products and services is as follows.

Basic Products/Services

Ordinary Deposit
Time Deposit
Direct Banking Service

Optional Products/Services

Loan Service (card loan)
International Money Transfer Service
Point Service
Smartphone Authentication Service
Paper Statement Mailing Service
Debit Card Service

Cash Card

The Bank issues a cash card (as a main card) to each account holder.

  • *Upon request, the Bank will additionally issue an agent cash card (with charge).

Bank Statement

The Bank issues bank statements as substitute for a passbook. A statement is prepared as of the last day of each calendar month and made available for viewing via the Internet around the 10th day of the immediately following month.

  • *For customers using the Paper Statement Mailing Service, the Bank sends hardcopies of bank statements to their registered home address by domestic ordinary postal mail (as private and confidential, with no forwarding required) around the 15th day of each month. In this case, the paper statement mailing fee of ¥108 (inclusive of Japanese consumption taxes) is debited from the customer’s account on the 2nd day of each month. If this fee cannot be debited in any month, the statement for the same month will not be sent.
  • *If a statement reissued or additionally issued is send by postal mail, the paper statement mailing fee of ¥216 (inclusive of Japanese consumption taxes) is charged for each monthly statement and debited from the customer’s account.

Direct Banking Service

The following two types of banking services are offered to customers holding a Seven Bank Account.

Service Description

Internet Banking

Through a PC, smartphone, or other terminal device, the following services can be accessed and used: online passbooks, domestic fund transfers, time deposits, loan service, international money transfers, the Point Service, and other customer service.

  • *Internet banking may be unavailable through some types of devices or applications.

Mobile Banking

Through a mobile phone, the following services can be accessed and used: online passbooks, domestic fund transfers, time deposits, loan service, international money transfers, the Point Service, and other customer service.

  • *Mobile banking may be unavailable through some types of devices.

Service Menu

Online Passbook

Through Internet banking, the following contents are available for online viewing: account balances, depositing/ withdrawal details, time deposits, and monthly statements.

  • *Monthly statements may be unavailable for viewing through some types of devices or applications.

Through mobile banking, the following contents are available for online viewing: account balances, depositing/ withdrawal details, and time deposits.

Domestic Fund Transfer

Instant fund transfers, scheduled fund transfers, arrangement of automatic payments, and inquires for awaiting fund transfers can be processed through Internet or mobile banking.

  • *The transfer limit is ¥10 million per day. A customer may set his/her unique transfer limit within this upper limit.
  • *Requests for fund transfers are accepted 24 hours a day.

Time Deposit

Internet or mobile banking allows customers to create time deposits, change maturity options, and arrange early termination of time deposits.

Loan Service

Internet banking allows customers to apply for the Loan Service, perform borrowings and repayments, and view loan transaction details and loan agreements.
Mobile banking allows customers to perform borrowings and repayments and view loan transaction details and loan agreements.

International Money Transfer

Internet or mobile banking allows customers to apply for the International Money Transfer Service, upload requests for international money transfers, view money transfer details, and add/delete receivers.

Other Customer Service

Internet or mobile banking allows customers to perform the operations listed below, among others.

Changing a logon ID
Changing a logon password
Registering an email address or changing the registered email address
Opt-in and opt-out settings for notification mail
Setting for the paper statement mailing service
Application for switch to a Cash Card with Debit Card Service
Changing a cash card PIN
Resetting a cash card PIN
Deactivation of a cash card
Requesting reissue of a cash card
Changing the direct banking transfer limit
Setting the usage limits by banking method
Changing the ATM withdrawal limit
Changing the setting for early termination of time deposits requested through ATMs
Registering for the Smartphone Authentication
Changing the customer information
Registering, changing and viewing the Point Service information
Registering and changing the Monthly Auto-Deposit Service*

(Note) The procedures marked with * cannot be carried out by the mobile banking service.

Service Fees

The direct banking service is free of charge.

  • *Customers must bear and pay for fund transfer fees, telephone charges, telecommunication charges for accessing the Internet or mobile banking service, connection charges billed by Internet service providers, and other costs.

Service Hours

24 hours a day, 365 days a year, in principle

Other Instructions

  • The email notice service provides notices concerning transaction details, etc. by email to the customer’s registered email address.
  • To enroll in the direct banking service, registration of an email address is required. To perform direct banking, a customer is required to register a logon ID, logon password, customer ID, confirmation number, PIN, and other matters designated by the Bank.
  • The customer ID and the confirmation number are printed on the reverse side of a cash card.
  • *In the case of a Cash Card with Debit Card Service, the customer will be issued a Direct Banking Card on which a customer ID and a confirmation number are printed, together with a Cash Card with Debit Card Service.
  • For security purposes, the logon password, confirmation number and PIN will be invalidated after the specified number of erroneous inputs.
  • The Bank’s direct banking service is protected by the sophisticated security system using SSL (Secure Socket Layer) communication based on at least 128-bit encryption.
  • The direct banking service is available in the operating environment prescribed by the Bank.
  • *The recommended operating environment is described on the Bank’s website.
  • A customer may at any time discontinue his/her use of the direct banking service.
  • *Certain procedures must be taken to register such discontinuation.
  • When a customer’s Seven Bank Account is terminated, the direct banking service for this customer will also be deemed to have terminated.
  • All or part of the direct banking service may be unavailable for users accessing from outside Japan.
  • The direct banking service may be unavailable due to system maintenance, etc.

Service Fees

The fees listed below are inclusive of Japanese consumption taxes, etc.

Seven Bank ATM Fees

[Depositing] Free of charge
[Withdrawal]
Daytime (7:00 to 19:00): Free of charge
Other hours (19:00 to 7:00): ¥108

Transfer Fee

[Fund transfer within Seven Bank] ¥54
[Fund transfer to other bank] ¥216

  • *With respect to fund transfers through an ATM, ATM fee may be separately charged depending on the hour.

Reverse Transfer Fee

¥648 for each reverse transfer

  • *A reverse transfer is not always possible. If a reverse transfer cannot be performed, the customer should talk directly with the receiver.

Cash Card Issue Fee

[Reissue of a cash card to an Account holder]¥1,080
[Issue or reissue of an agent card] ¥1,080
[Change to design of cash card] ¥1,080

  • *The design for a Cash Card with Debit Card Service cannot be changed once chosen.

Paper Statement Mailing Fee

[Postal mailing service] ¥108 per month
[Reissue or additional issue] ¥216 for one monthly statement

Balance Certificate Issue Fee

[Regular issue] ¥324 per copy
[Ad hoc issue] ¥540 per copy
[Non-standard issue] ¥2,160 per copy

Reissue of Itemized ATM Usage Statement

¥324 per copy

Itemized Transfer Statement

¥324 per copy

Miscellaneous Certificate Issue Fee

¥1,080 per copy

Other Charges and Costs

An international money transfer and a debit transaction are subject to the payment of the fees and charges separately prescribed by the Bank, as more detailed in a separate product overview for the International Money Transfer Service/Debit Card Service.

Termination of Account by the Bank

If a cash card sent after a Seven Bank Account is opened fails to reach the customer due to an unidentified address or for any other reason, or if two years have elapsed since the opening of an Account without any cash being deposited into the Account, the Bank may close the account.

Other Helpful Information

  • A printed passbook will not be issued.
  • A Seven Bank Account may not be designated as an account for receiving pensions.
  • The automatic payment service is unavailable for public utility charges, except for some specified charges such as telephone bills.
  • For each depositing or withdrawal through a Seven Bank ATM, up to 50 bills can be processed.
  • Instead of large amount withdrawals from a Seven Bank ATM, fund transfers to the customer’s account with any other bank are more recommendable in terms of both security and convenience.
  • There may be situations where Seven Bank ATMs are unavailable due to maintenance work, etc.
  • If a Seven Bank ATM is not available due to mechanical failure, or if a customer wishes to conduct a transaction or transactions exceeding the daily ATM withdrawal limit, please contact the Customer Center. The head office service counter is available for such transactions during its business hours as follows.
    Service counters of the head office open:All weekdays, excluding Saturdays, Sundays, national holidays, December 31, and January 1 to 3
    Business hours: 9:00 to 15:00

Designated Dispute Resolution Organization

  • Japanese Bankers Association
  • Customer Relations Center
  • Telephone:0570-017109 or 03-5252-3772
  • Service days:Monday to Friday (excluding national holidays and non-business days)
  • Service hours:9:00 to 17:00
  • *The above is an English translation of the Japanese version, prepared merely for the customers' convenience. If there is any inconsistency between the two, the Japanese version shall prevail.

Seven Bank Account Terms and Conditions

You can check the list of Seven Bank Account Terms and Conditions.

International Money Transfer Service

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