I heard that the deals were close to me.
Recently, I often see commercials for new rate plans for smartphones. It's better to switch to save money, but you're procrastinating.
When I was talking to the people in the Gizmodo editorial department, I suddenly heard these words.
"It's good to save on smartphone charges, but if you want to live at a good price, it is recommended to open a bank account with the affiliated NEOBANK. It's easy to open an account and it's a good deal."
Eh, a bank account? I don't really understand that opening an account is annoying, or that a bank account is a good deal in the first place. So, I asked people who are familiar with the Gizmodo editorial department about NEO BANK.
What is NEOBANK?
NEOBANK is a new online branch of SBI Sumishin Net Bank.
There are three types. In addition to accumulating points and miles just by making a payroll account or a debit account, there is also a benefit that you can get a large amount of points by making various loans with NEOBANK. Not only existing users of SBI Sumishin Net Bank, but also non-users can open an account.
Each of the three NEO BANKs has different characteristics, so I asked the editorial staff and the writer about the recommended points.
You can make it as you want T points! "T NEOBANK"
First of all, I would like to ask Mr. Kanemoto of the editorial department who was the first to talk about NEOBANK.
──So suddenly, why is NEOBANK so good?
Kanemoto: It's because you can collect points. For example, if I recommend "T NEOBANK" where you can collect T points, you can get 30 points every month just by using it as a payroll account. After that, if you make a rent deduction account, you will get 5 points every month. There are many other scenes where you can get points.
──Is that the point? But isn't it difficult to open a new bank account for dozens of points?
Kanemoto: That's super easy. Especially with T NEO BANK, you can apply in just a few steps by logging in to the app with your Yahoo! JAPAN ID. Identity verification only involves taking a photo of your ID with a smartphone camera, so you don't need a seal, and there are no physical items such as passbooks or cash cards. You can open an account with the same glue as the point application.
──Well, you don't even have a cash card!
Kanemoto: Yes! To deposit and withdraw cash, simply scan the QR code displayed on the ATM with the app. Cardless is pretty important to me. Because, the "best way to live" I think is to keep the point services that you can get as much as possible. However, if you do everything, your wallet will become a point card. With that in mind, I want to give priority to services that can be used without cards.
──Does Mr. Kanemoto use so many point services?
Kanemoto: I'm accumulating a lot of points. I also have four or more bank accounts and use them according to the purpose.
──It seems difficult to master that much ...
Kanemoto: No, you don't have to master it. Regarding T NEOBANK, we are currently conducting a campaign in T NEOBANK where you can get 1,000 points by setting one or more new account transfer services. This alone is worth trying.
──I would recommend it to you very casually lol
Kanemoto: Create an account for T points. At first, it's okay to review the wallet area with a light glue. It's easy to open an account and you don't have to worry about losing your card. It is only necessary to set a password, but if you use the biometric authentication of your smartphone called smart authentication NEO, there is no burden. It's a good idea to start with a light feeling.
──I see, it seems to be a good motivation as the first step to review the bank account that was indifferent until now.
Summary of features of T NEO BANK
Now you have a chance to get 1,000 points with "T NEOBANK fund transfer campaign!"
* Campaign period: Until October 31, 2021
If you want to master mylar, "JAL NEOBANK"
Next, let's talk to Sasaki, an editorial staff member who loves traveling. I heard that there is NEO BANK where you can earn miles.
Sasaki: That's "JAL NEOBANK". To be clear, Mylar is a must-have account.
──Isn't it suddenly emphasized? Please tell me in detail.
Sasaki: JAL has credit cards for accumulating miles and prepaid cards called JGW (JAL Global WALLET) provided by JAL Payment Port Co., Ltd. Combining these with a JAL NEOBANK account has the advantage of efficiently accumulating miles. We also have a campaign where you can earn miles just by opening an account.
── How. How do you use that JGW?
Sasaki: It is especially effective overseas. JGW is a Mastercard prepaid card, so you can use it for overseas payments. If you charge with yen, you can exchange 15 kinds of foreign currencies immediately in the app, and you can get miles when you exchange. Moreover, if you need cash locally, you can withdraw foreign currency in JGW at an ATM. The exchange rate is often cheaper than the exchange rate, which is very useful.
──It may be convenient. I wasn't sure where it was best to exchange money while traveling, but I didn't know.
Sasaki: Actually, in terms of currency exchange, there is also a way to buy foreign currency at JAL NEO BANK. The feature is that the exchange fee is low and the rate is also good. The difference from JGW is that you can earn miles every month depending on your foreign currency reserves and foreign currency deposit balance.
──You can buy in advance, exchange money locally, and get a good deal of foreign currency depending on the situation.
Sasaki: Also, since JGW is a prepaid card, even if you lose it, it will not cause as much damage as a credit card, so you can rest assured. For those who often go abroad, the combination of JGW + JAL NEO BANK is recommended.
──Is there any merit for people who do not use foreign currency?
Sasaki: There are many scenes where you can earn miles with JAL NEOBANK alone. For example, if you take out a mortgage with JAL NEO BANK, you can get enough miles to go on a domestic trip. Miles are useful for domestic travel and are the best bank account to earn efficiently.
──It's a long way to earn miles enough to go on a trip, isn't it?
Sasaki: I also use a JAL credit card, but I've accumulated enough miles to make two round trips to Miyakojima just by paying my living expenses normally for several years. If you can consolidate your daily payments into JAL, you will be able to collect flight charges without even noticing it.
──Even if it's hard to go on a trip now, it's a good idea to collect miles and spend them someday. You may be able to travel abroad someday.
Summary of features of JAL NEO BANK
If Yamada Denki is nearby, "Yamada NEOBANK"
Finally, let's talk to Mr. Miura, a writer who listened to this story and said, "I want you to tell me too!" NEOBANK, how do you use it?
Miura: I'm curious about "Yamada NEOBANK" just because there is Yamada Denki in my neighborhood. Yamada Denki has not only electrical appliances but also daily necessities and remodeling supplies, so I often use them. Of course, it is better to make "Yamada NEOBANK" for shopping often. It seems that it can be opened in as little as 3 minutes after the application and identity verification are completed!
──What are the benefits of "Yamada NEOBANK"?
Miura: The merit is that you can simply collect Yamada points and get a debit card with an integrated cash card. Also, if you shop with the "Yamada LABI Card (credit card)" that has been set as a debit account for your Yamada NEOBANK account, you can get up to 11.5% of points back. PCs and cameras are quite expensive, so this return rate is relatively high.
── Whether it's everyday items that you usually buy or expensive products that you buy occasionally, you can earn points at a great deal. It's simple and easy to understand.
Miura: Not only that, but it's also convenient that ATM fees and transfer fees to other banks are free up to 5 times. This is super thankful for those who make monthly transfers such as rent and remittance to parents.
──Mr. Miura often stopped by Yamada Denki on his way home and bought a computer or camera on impulse. Is your household budget okay?
Miura: No, that's right. I'm afraid of overuse with Creca, so I think it's better to use a Yamada NEOBANK debit card. If you pay with debit, the money will be deducted from your bank account immediately. For example, if you make Yamada NEOBANK a sub-bank and deposit only the amount you can use in the month, you can use it as a virtual wallet.
──It's novel to choose a bank account just because Yamada Denki is near (laughs)
Miura: I thought so at first, but Yamada Denki is in the city center and in the rural areas, isn't it? I think it will be a great deal if you consolidate the necessary shopping for "Yamada NEOBANK" into Yamada Denki. I want to buy earphones and cameras too!
Summary of features of Yamada NEO BANK
Now we are running a campaign to get up to 13,500 points
* Campaign period: Until September 30, 2021
Advantages of SBI Sumishin Net Bank = Advantages of NEO BANK
T points that are familiar to you at convenience stores, miles that are important for travel lovers, and Yamada points that you can collect with gadgets and daily necessities.
We have introduced a lot of deals with different personalities, but these are all branches of SBI Sumishin Net Bank. This means that the transfer fee between the SBI Sumishin Net Bank account and the affiliated NEO BANK is of course free. Furthermore, it can be said that the advantage inherited from SBI Sumishin Net Bank is that the transfer fee to other banks and the ATM fee are free several times.
In addition, the convenient functions of SBI Sumishin Net Bank, which can automatically perform anything such as fixed amount automatic transfer, fixed amount automatic transfer, and foreign currency reserve, can also be used with the three NEO BANKs introduced so far. The UI of the app is almost the same, so it's good that the usability does not change. It feels a little strange to master the bank as an app, but it may be that kind of era from now on.
Think of a bank account from a profitable perspective. Or isn't it quite surprising that you can get such a good deal by reviewing your account according to your hobbies and lifestyle? It's easy to open, and if you think "somehow worrisome", you can open an account with your smartphone. It is also an ant to create an account for the purpose of debit card or prepaid card.
Source: Sumishin SBI Net Bank
