ドコモの銀行 ドコモSMTBネット銀行 -銀行の口座開設

This is the official smartphone app provided by Docomo SBI Net Bank (formerly Sumishin SBI Net Bank).

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

Sumishin SBI Net Bank changed its name to "Docomo SBI Net Bank" on August 3, 2026.

Even those who do not use Docomo can continue to use it conveniently and safely.

【3 Benefits】～Making everyday money management easier～

1. ATM deposits and withdrawals, and transfers to other banks are always free of charge! * ATM use at convenience stores and transfers to other banks up to 100,000 yen per transaction are free of charge.

*1 ATM deposits and withdrawals are free when using "ATM with App". Available at Seven Bank and Lawson Bank ATMs. (Limited to eligible branches)

*2 Transfers to other banks are free when using "Kotora Transfer." Transfers up to 100,000 yen per transaction. Limited to financial institutions that support Kotora Transfer.

2. Earn d-points with the Smart Program!

Earn d-points based on your use of eligible services.

*1 Account linking is required to earn d-points. d-account linking is scheduled to begin on August 20, 2026.

*2 The cards eligible for Smart Program rank benefits are the Debit Card Point+ (Mastercard®) and the Platinum Debit Card (Mastercard®).

Point redemption rates vary depending on the card type and usage location. Conditions apply to obtain the maximum redemption rate.

3. 24/7/365 Robust Security

With biometric authentication, identity verification via this app, and 24/7/365 transaction monitoring for fraud detection, your valuable assets are securely protected.

【Main Features】～Packed with convenient features～

◆Open an account 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 from the app.

◆Deposit and withdraw without a cash card: "ATM with the app"

・You can deposit and withdraw money free of charge any number of times at Seven Bank ATMs and Lawson Bank ATMs nationwide (excluding some).

・Even those without a cash card can deposit and withdraw money using this service.

*Registration for Smart Authentication NEO is required to use the "ATM with the app" service.

*If you use an ATM with a cash card, it is free up to 20 times/month depending on your rank.

◆Transfers

・Transfer fees to other financial institutions are free up to 20 times/month depending on your rank.

・Transfers up to 100,000 yen are automatically applied to this transfer service, and you can send money free of charge any number of times. (※Limited to financial institutions that support this type of remittance)

- We also offer "Fixed Amount Automatic Transfer," which allows you to automatically transfer funds on a fixed day each month, and "Fixed Amount Automatic Deposit," which allows you to automatically withdraw funds from other banks and deposit them into our account.

- With "Insufficient Balance Alert," you will receive notifications via email or push notification if the balance in your main account's yen savings account is insufficient to cover the scheduled withdrawal amount.

◆ A rewarding "Debit Card" where the more you deposit, the higher the reward rate

- If your card is eligible for the Smart Program Rank Benefits, you will receive preferential point reward rates according to your rank.

*1 The cards eligible for the Smart Program Rank Benefits are the Debit Card Point+ (Mastercard®) and the Platinum Debit Card (Mastercard®).

Point reward rates vary depending on the card type and where you use it. There are conditions to obtain the maximum reward rate.

- Since the debit card withdraws funds directly from your bank account, there is no need for troublesome charging. It also helps prevent overspending. * Register with Google Pay™ for contactless payments on your smartphone. Complete your shopping with just your phone.

* Secure Biometric Authentication: No Password Required - "Smart Authentication NEO"

* Registering for Smart Authentication NEO eliminates the need for web transaction passwords and authentication numbers for each transaction.

* Can also be used to approve transactions outside of the app, such as on a PC, preventing fraudulent transfers.

* Manage Your Money Separately with "Purpose-Specific Accounts"

* 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.

* Smooth Fund Transfers with SBI Securities: "SBI Hybrid Deposit"

* Automate fund transfers with "SBI Securities," a popular NISA provider, eliminating the need for manual deposits.

* Supports regular, fixed-amount fund transfers, such as for investment plans, making investing smoother.

[Other Features]

◆Balance Inquiry & Deposit/Withdrawal Details

◆Real-time Notifications

◆Yen Deposits & Structured Deposits

◆Foreign Currency Deposits

[Important Notes]

・Some limitations may occur depending on your device.

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

In that case, please enter \ (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

[Docomo's Bank - Docomo SMT BTS Net Bank is recommended for these types of people]

We will guide you through each function and service.

◆Docomo Integration

・Interested in Docomo SMTB Net Bank, which can be linked with a d account

・Want to earn d points by using banking services

・Want to earn d points through the annual fee rebate benefit of Docomo's d card

・Want to open a new account with Docomo Financial Group's online banking app because the d Smart Bank app service has ended

* Account linking is required to earn d points.

* d account linking is scheduled to start on August 20, 2026.

* There are certain conditions for the d card annual fee rebate.

◆ Account Opening & Basic Functions

- I'm considering opening an online bank account.

- I want to easily open an account using a smartphone app.

- I want to open an account online without going to a bank.

- I want to manage my bank account with an online banking app.

◆ Deposits & Withdrawals & ATM Use

- I want an online banking app that allows deposits at convenience store ATMs.

- I want to use "ATM with App" to perform banking procedures at convenience stores.

- I'm interested in internet banking that allows deposits and withdrawals without going to a bank ATM.

- I want to deposit money into my bank account using an online banking app.

◆ Balance Inquiry & Account Management

- I want to check my balance using an online banking app instead of a passbook.

- I want to manage multiple bank accounts or accounts for different purposes with a single online banking app.

- I want to easily manage my bank accounts with internet banking.

◆ Foreign Currency Deposits

- I want to open an account with an online banking app that allows foreign currency deposits.

- I want to manage foreign currency deposits and perform procedures such as deposits using a bank app.

- I want to check my foreign currency deposit account balance using a bank app.

◆ Investment Linkage (SBI Securities, iDeCo, and Savings) NISA etc.)

- I'm investing using the SBI Securities stock app and want to deposit money easily.

- I want to link my SBI Securities account and invest my bank balance directly.

- I'm considering opening a bank account for bonds, iDeCo, and Tsumitate NISA.

- I've opened an online securities account and want an online banking app that allows me to make deposits.

- I want to open a separate bank account for deposits, in addition to the online securities account I'm using for iDeCo and Tsumitate NISA.

- I'm using SBI Securities with their smart app and want to link it with an online bank.

◆ Debit Cards/Contactless Payments

- I want to use smartphone debit immediately after opening an online bank account.

- I want to use smartphone debit using a banking app.

- I want to try an online banking app with debit card functionality.

- I want a debit card that allows contactless payment like d払い Touch.

◆ Home Loans

- I want an online banking app that allows me to use home loans.

- I want to open an online banking account when applying for a home loan.

- I'm interested in home loans from online banks.