ｄスマートバンク

Save and use. All functions are completed in one app. You can continue to live your normal life, but your money will become more ``successful.''

■Notes regarding “d Points that can be earned by using the account”
*1 If you set the account from which usage charges for Docomo's mobile phone, d Card, Docomo Hikari, or Docomo Denki will be debited to the Mitsubishi UFJ Bank account linked to your d Account, you will receive 50 d Points for each month in which the charge is debited. (From the 3rd year onwards (*2), you will earn 25 points every month).
*2 From the third year after the month when you first linked Mitsubishi UFJ Bank's Super Ordinary Deposit (Main Bank Plus) and d Account using the d Smart Bank app.
*3 If you set the receiving account for either your salary or pension to the Mitsubishi UFJ Bank account linked to your d account, you will earn 5 d points for each month in which you receive payment (100,000 yen or more/time).
*4 Refers to those who have concluded a usage contract with d Smart Bank and have registered a Mitsubishi UFJ Bank account with d Smart Bank.
*5 The applicable period is from the beginning to the end of each month.
*d Smart Bank users (*4) who have set their d Payment balance charging method to their Mitsubishi UFJ Bank account as of the end of June will be able to use d Payment from their Mitsubishi UFJ Bank account during the applicable period (*5). If you charge 5,000 yen or more to your balance and make a purchase of 5,000 yen (tax included) or more from your d payment balance, you will accumulate d points (limited period and usage) according to your d Point Club membership rank (*7).
*7 Those with a 1-star membership rank are not eligible. Membership rank is determined by the rank at the end of each month.

■Characteristics of d Smart Bank
・Register a Mitsubishi UFJ Bank account and easily try not only managing your household finances but also saving money and managing assets.
・You can tell at a glance what money you can spend and what money you can save.
・Mechanism for accumulating d points according to transaction details

At d Smart Bank, even people who are not good with money can live a life without being forced to consciously or make any effort, and can take on the challenge of saving money and managing assets.

Household budget management, savings, and asset formation.
From daily payments to making ends meet.
With d Smart Bank, which can manage everything smartly, you can manage your money wisely by leaving the rest to us.
Because you are good with money, you can live a life where you can forget about money.
Why not start living a better life with d Smart Bank?

■Procedure to start using d Smart Bank
-If you have a Mitsubishi UFJ Bank account, you can use d Smart Bank by simply logging into the Mitsubishi UFJ website from this app and registering.
- Even if you do not have a Mitsubishi UFJ Bank account, you can use d Smart Bank after opening an account with this app.

■Main functions and usage
[Osaifu]
・With d Smart Bank, you can separate deposits into your account into a "wallet" and a "piggy bank."
・Keep money for living expenses and various payments in your wallet.
・"Osaifu" can be managed on a monthly basis
・You can manage your money and prevent overspending by checking the money you can spend on your wallet.
・The amount you can spend is the amount you deposited minus the amount you actually withdrawn and the amount moved to your piggy bank.
・You can check payment information such as Docomo line charges/d Card debit schedule.
・You can proceed to the transfer procedure by tapping "Transfer with Mitsubishi UFJ Bank" on the "home screen".

【Piggy bank】
・When you want to save money, you can create a "piggy bank" according to your purpose.
-You can freely set the frequency and amount of savings, and save at your own pace.
・In the unlikely event that your wallet balance is insufficient, the money will be automatically withdrawn from your savings box.
・The amount you set on the first day of the month will be automatically deducted from your savings box.
・When the one-month period ends, if there is any money left over in your Osaifu, it will be automatically saved to your Piggy Bank.

[Working piggy bank]
・Once you get used to the "piggy bank", we recommend trying the "working piggy bank".
・If you use “Working Piggy Bank”, you can leave your asset management to professionals and AI.
・Once you start asset management, you don't have to choose the product to invest in, and we can leave the rest to you.
*“Working Piggy Bank” refers to the function that allows you to check the operating balance of THEO+ docomo from this app.
*To use "Working Piggy Bank," you must have a THEO+ docomo contract and have THEO+ docomo debit set to d Smart Bank or d Card.
*"Working Piggy Bank" is not a service of Mitsubishi UFJ Bank.

【message】
・We will send you messages to help you avoid money mistakes and advantageous information.
・If the scheduled withdrawal amount exceeds your wallet balance, you will be notified in advance.

■You can receive d points according to your usage.
・If you pay your bill from Docomo using d Smart Bank, you will receive d Points.

■Precautions for use
・Internet connection is required to use this application.
・Communication charges related to use shall be borne by the customer.
・Please be sure to read the terms of use before use.
・The d Smart Bank app is provided by Docomo.
・The images shown are for illustration purposes only.