みらいバンク

This smartphone app is a banking service for individual customers provided by Mirai Bank Co., Ltd. and Sumishin SBI Net Bank.

Mirai Bank is a new type of bank that supports your money management from a "future-oriented perspective."

It can even use AI to create a "future plan" for you, including your life events, the money and time needed for them.

We aim to provide simple financial services that truly benefit you and society.

Why not think about the world through the lens of money?

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Main Features
◆Account Opening
・You can open an account quickly by verifying your identity with your smartphone.

・You can open an account in as little as 5 minutes with public personal authentication and identity verification using IC chip reading.

・Initial setup can also be done through the app.

This applies to those who can use "identity verification with smartphone" and apply between 10:00 and 22:00. For those who apply outside of these hours, account opening will be completed on the same day at the earliest. Depending on the results of the review, we may not be able to notify you of the account opening result on the same day. Please check the Sumishin SBI Net Bank website for compatible models and required identification documents.
◆ "ATM with App" - Deposits and withdrawals without a cash card
- You can deposit and withdraw money using this app at Seven Bank ATMs and Lawson Bank ATMs nationwide (excluding some locations), even if you don't have your cash card with you.
◆ Smartphone Debit
- With "Smartphone Debit (Mastercard)," you can shop online using the debit card number issued by the app.
- You can use debit management functions such as checking your debit card number and transaction details, as well as setting spending limits.
- You will receive a push notification when you use your debit card.
◆ Balance Inquiry and Deposit/Withdrawal Details
- After logging in, you can check deposit and withdrawal details for up to 7 years.
◆ Smart Authentication NEO
- FIDO authentication is more secure than password-based authentication. All transactions, including transfers and remittances, can be completed with just one app, and password entry is not required.
◆ Real-time Notifications
- Transaction information such as deposits and transfer acceptances is notified in real time. Depending on radio wave conditions, device model, and other customer usage conditions, you may not receive notifications.

◆Bank Transfers
- No tokens are required; you can easily make transfers with just this app.
- Transfers to "Purpose-Specific Accounts" and "SBI Hybrid Deposits" linked to SBI Securities are also possible.
- There are also functions such as "Automatic Fixed-Amount Transfers" that allow you to automatically transfer funds on a fixed day each month, and "Automatic Fixed-Amount Deposits" that allow you to automatically withdraw funds from other banks and deposit them into our account.

◆Smapro Points
- You can check the balance of "Smapro Points," which are accumulated based on transactions such as salary receipts, account transfers, foreign currency savings, and debit card usage.

◆Yen Deposits and Structured Deposits
- You can deposit into yen time deposits and apply for and deposit into structured deposits, which are popular for their high interest rates.

◆Foreign Currency Deposits
- You can open foreign currency deposit accounts and trade in foreign currency ordinary deposits that can be bought and sold in real time, and foreign currency time deposits with high interest rates.

You can apply for foreign currency savings starting from 500 yen, or change your savings settings.

Applications for various loan products
* You can also apply for purpose-specific loans (education loans, car loans, etc.) and card loans through the app.

* List of campaigns and programs
* You can quickly check a list of ongoing advantageous campaigns and programs through the app.

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

https://milibank.co.jp/contact