Guide to Domestic Inter-bank Money Transfer in Japan (Furikomi) using your Bank’s ATM

Doing domestic inter-bank money transfer in Japan is a breeze even after bank hours! I can actually do this online but for the benefit of those who did not register for an online account, here we are. Using SMBC’s ATM, I will show you how to transfer money from your SMBC account to Transferwise, ON YOUR OWN. You can apply the same methods for other typical inter-bank transfers.

Warning: You cannot do domestic inter-bank transfers using the English language option so you have to get through this in Japanese and thread through several Kanjis to make it work. Also, this might look different in another ATM. Familiarize the Kanjis you need, to be flexible.

If this is your first time, find a lonely ATM of your bank in a lonely hour. I got through this for more than 30 minutes, with several tries muttering “stupid ATM” when I’m actually the one who’s illiterate. LOL. If I did this during rush hour, I’d probably be silently cursed by those behind me.



Touch your ATM’s screen. You should be able to see something like this. You are going to look for this: お振り込み (Ofurikomi) – Transfer

You will see this prompt, warning you of possible fraud. It will ask you if either or both conditions apply: 1. You were asked by relatives over the phone. 2. The payee’s bank account is that of an unknown person. If so, あてはまる. Otherwise, press あてはまらない.

Insert your ATM card and enter your pin code.

It will bring you to this window. Enter the amount you want to transfer.You can just enter as many zeros as the arabic numerals or use which means AMOUNT*1000 and which means AMOUNT* 10,000. Press the bottom rightmost button 確認 when you are done. If you made a mistake, delete using the ー文字戻る button.





You will be greeted with another prompt asking you if it’s okay for you to use your cash card account name and, if you are good with that, the machine is going to proceed with the transfer. Click はい. Actually, even if you are not okay with it, you can just edit it in the confirmation screen so I suggest that you just click はい.

Then, choose the bank name of your recipient.

Then type the first character of the branch name.

You will be prompted with the Kanji equivalent of the branch names so research that in advance.




Then it will ask you about the account type.

普通 – Ordinary/General Account

当座 – Current Account

貯蓄 – Savings Account

Transferwise’s account is Ordinary.

Next, input the account number.

If you made a mistake, delete using the ー文字戻る button. Click the green 指定 button once you are done.

If no such account exists, you will be prompted so and if you press the red arrow button, your transfer will cease and your ATM card will come out.




If you are successful, it will tell you that your transfer will be completed in the date specified (29.12.5 / December 5, 2017).

Just press the green button to confirm if you are okay with the date. Otherwise, to exit, press the red arrow button on the bottom left. If you proceed, you will be greeted with this window asking you to confirm the details. To change the details, first, click the orange button 訂正 and select the detail description.

For example, I changed the sender detail here with my Transferwise reference number. Click the green 指定 button once you are done.

Review everything again and press the bottom rightmost button 確認 when you are done.

 

The next step will ask you if you want to register the recipient’s account. click 登録する if you want to and 登録しない, otherwise.

The next step will basically tell you that it will proceed with the transfer and tell you how much you have money left. Just confirm and take your receipt and card.

That’s it. Thanks for reading!

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Paula Lapizar

Chemical Engineer. Daughter. Sister. Lover. Tree-Hugger. Bargain Hunter
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Paula Lapizar

Chemical Engineer. Daughter. Sister. Lover. Tree-Hugger. Bargain Hunter

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