Shinsei Bank

Shinsei Bank offers exclusive programs for account opening and home loans for ANA Mileage Club members, by which they can earn miles.
Under the account opening program, members can receive miles by opening a bank account, using a GAICA Prepaid Card, making a deposit into a 3-month yen time deposit account, and making a foreign currency deposit. You can earn miles on transactions and when signing up for a home loan!

Information

  • Partial Change to Account Opening Program
    Customers opening an account under this program from August 2020 onward will be able to accrue even more miles with the new service for GAICA Flex Prepaid Cards.
    Please see here for details. (Text is available in Japanese only.)

Mileage Accrual

●Account Opening Program

  1. Opening an account = 300 miles

  2. GAICA Pre-paid Card
    Earn 150 miles by: 1) Signing up for a GAICA Prepaid Card (with Flex functionality; issued by APLUS), and; 2) Using your Shinsei PowerFlex account to load your GAICA Prepaid Card with at least JPY 10,000 or 80 U.S. dollars, euros, British pounds or Australian dollars, and then using your card to make at least one payment. (Both 1 and 2 must be completed by the end of the 2nd month following the month in which the account was opened.)

    • *Transactions that are made by the end of the second month following the month in which the account was opened are eligible.
    • *Handling fees apply when loading your card with foreign currencies.
    • *A currency exchange fee will apply if you load your card with Japanese yen and then use it to make a purchase outside Japan.
  3. 3 month Yen Time Deposit
    Earn 300 miles when making a single deposit of JPY 3,000,000 or more into a 3 month Yen Time Deposit account (limited to one time per person)

    • *Transactions that are made by the end of the second month following the month in which the account was opened are eligible.
    • *3 month Yen Time Deposit accounts that are terminated part way through will not be eligible for mileage accrual.
  4. Yen-to-foreign Currency Deposits
    500 miles per JPY 500,000 deposited (max. 10,000 miles)

    (Example)

    Total Transaction Amount Mileage Accrual
    JPY 500,000 or more 500 miles
    JPY 1,000,000 or more 1,000 miles
    JPY 1,500,000 or more 1,500 miles
    ˜ ˜
    JPY 10,000,000 or more 10,000 miles
    • *Yen-to-foreign currency transactions are eligible for mileage accrual.
    • *Foreign currency-to-Yen and foreign currency-to-foreign currency transactions are not eligible for mileage accrual.
    • *The amount of accrued miles is based on the total Yen-to-foreign currency transaction amount at the end of the 2nd month following the month in which the account was opened.
    • *Yen-to-foreign currency transactions incur currency exchange fees. For example, when exchanging Japanese Yen to U.S. Dollars, JPY 0.15 will apply for every USD (in the case of Shinsei Standard).

●Home Loan Program

Home Loans (New or Refinancing) 10,000 miles for loans with values above JPY 10,000,000

  • The following customers are not eligible: customers who use "Anshin Pack W (Double)" / "Anshin Pack S," "T Point×Step-down Home Mortgage," or "D pointxStep-down Home Mortgage" corporate partner home loans, Shinsei Bank property accumulation savings benefits, or partner promotions/programs.

Mileage Accrual Eligibility

●Account Opening Program

  1. New Account: Customers who have opened a new Shinsei PowerFlex account.

    • *Please confirm the procedures in the How to Accrue Miles section below.
    • *Existing account holders are not eligible for mileage accrual.
  2. GAICA Prepaid Card: Customers who, after having opened an account as per 1. above, fulfill the following steps by the end of the 2nd month following the month in which the account was opened: 1) Sign up for a GAICA Prepaid Card (with Flex functionality), and 2) Use their Shinsei PowerFlex account to load their GAICA Prepaid Card with at least JPY 10,000 or 80 U.S. dollars, euros, British pounds or Australian dollars, and then use their card to make at least one payment.

  3. 3 month Yen Time Deposit: Customers who, after having opened an account as per 1. above, make a single deposit of JPY 3,000,000 or more into a 3-month time yen deposit account by the end of the 2nd month following the month in which the account was opened. (Limited to one time per person.)

  4. Foreign Currency Deposits: Customers who, after opening the account described in paragraph 1 above, complete foreign currency deposit transactions as described in the Mileage Accrual section.

    • *Yen-to-foreign currency transactions are eligible for mileage accrual.
    • *Foreign currency-to-Yen and foreign currency-to-foreign currency transactions are not eligible for mileage accrual.
    • *The amount of accrued miles is based on the total Yen-to-foreign currency transaction amount at the end of the 2nd month following the month in which the account was opened.

●Home Loan Program

Customers who sign up for a new PowerSmart Home Mortgage of JPY 10,000,000 or more, or are refinancing a loan from another financial institution.

  • *Please confirm the procedures in the How to Accrue Miles section below.
  • *Customers who already have a Shinsei Bank account are also eligible.
  • The following customers are not eligible: customers who use "Anshin Pack W (Double)" / "Anshin Pack S," "T Point×Step-down Home Mortgage," or "D pointxStep-down Home Mortgage" corporate partner home loans, Shinsei Bank property accumulation savings benefits, or partner promotions/programs.

How to Accrue Miles

●Account Opening Program

  1. Procedures to Open an Account
    Complete the opening of a new account.
    ing Program (ANA mileage gift) by the end of the 2nd month following the month in which the account was opened.
    Click here (Text is available in Japanese only.) to open an account.

  2. GAICA Prepaid Card
    After opening an account, sign up for a GAICA Prepaid Card (with Flex functionality), use your Shinsei PowerFlex account to load your GAICA Prepaid Card with at least JPY 10,000 or 80 U.S. dollars, euros, British pounds or Australian dollars, and then use your card to make at least one payment.
    Please see here for product details. (Text is available in Japanese only.)

    • *Transactions that are made by the end of the second month following the month in which the account was opened are eligible.
  3. 3 month Yen Time Deposit

    1. After opening the account, deposits can be made online, through the call center, or at a bank location.

      Click here for product details. (Text is available in Japanese only.)blank

    2. A single deposit of JPY 3,000,000 or more should be made into a 3-month term PowerFlex Savings Deposit for Japanese Yen by the end of the second month following the month in which the account was opened.

      *3 month Yen Time Deposit accounts that are terminated part way through will not be eligible for mileage accrual.

  4. Foreign Currency Deposits

    1. After opening the account, deposits can be made online, through the call center, or at a bank location.

      Click here (Text is available in Japanese only.) for product details.blank

    2. The amount of accrued miles is based on the total Yen-to-foreign currency transaction amount at the end of the 2nd month following the month in which the account was opened.

●Home Loan Program

Procedures to Execute a Home Loan

  1. Apply for a home loan assessment online or by post.

  2. Follow the instructions to submit the required documents for the assessment. You will be informed of the assessment result over the phone or by post.

  3. Confirm the program details from here (available in Japanese only) and apply for the Home Loan Program for Mileage Club Members (available in Japanese only) by 23:59 on the date you enter your loan contract.

Notes
  • *Clicking the link will lead to a non-ANA website, at which point the privacy policy of that website will apply to personal information protection.

Mileage Accrual Date

●Account Opening Program

  1. Opening an Account: By the end of the 4th month following the month in which the account was opened

  2. GAICA Prepaid Card: By the end of the 4th month following the month in which the account was opened

  3. 3 month Yen Time Deposit: By the end of the 4th month following the month in which the account was opened

  4. Foreign Currency Deposits: By the end of the 4th month following the month in which the account was opened

●Home Loan Program

Housing Loans: By the end of the 2nd month following the month in which the loan was executed

Retroactive Mileage Registration

Retroactive mileage registration is not permitted.

Notes

  • [Points to Note Regarding the Account Opening Program]
  • Mileage will be accrued by the end of the 5th month following the month in which the account was opened.
  • Existing Shinsei PowerFlex account holders are ineligible for mileage accrual, and are unable to sign up for this program even upon termination of their existing account.
  • Customers will not be eligible for mileage accrual if their application contains an incorrect account number, date of birth, or ANA Mileage Club membership number.
  • Accounts terminated prior to mileage accrual will not be eligible.
  • 3 month Yen Time Deposit accounts that are terminated part way through will not be eligible for mileage accrual.
  • Retroactive mileage accrual is not permitted if an application is not made in accordance with the methods designated by Shinsei Bank.
  • This program cannot be used in conjunction with other rewards for opening an account.
  • For the GAICA Prepaid Card, customers are eligible for mileage accrual if they carry out the following steps by the end of the 2nd month following the month in which the account was opened: 1) Sign up for a GAICA Prepaid Card (with Flex functionality), and; 2) Use their Shinsei PowerFlex account to load their GAICA Prepaid Card with at least JPY 10,000 or 80 U.S. dollars, euros, British pounds or Australian dollars, and then use their card to make at least one payment. A certain number of days will be required from application submission to the completion of enrollment, and we ask that you allow around one week for this upon submitting your application. We also kindly request that you submit your application as early as possible, as you will be asked to submit a second application if there is an issue with the first one.
  • The card enrollment date will be written on the card mounting paper enclosed with your card upon sending.
  • Customers who cancel their GAICA Prepaid Card (with Flex functionality) before mileage accrual will no longer be eligible for miles.
  • Money loading fees do not apply when loading your card with Japanese yen. Money loading fees apply when loading you card with foreign currencies.
  • Foreign currency amounts loaded onto cards can only be used in their respective currency zones. (U.S. dollars: Currency zone for U.S. dollars; Euros: Currency zone for euros; British pounds: Currency zone for British pounds; Australian dollars: Currency zone for Australian dollars)
  • If you have loaded your card with a foreign currency and use your card to make a payment in the respective currency zone, the payment amount will be deducted from your foreign currency balance as long as it is fully covered by that balance. However, if the payment amount is not fully covered by the foreign currency balance, it will be deducted from the Japanese yen balance instead.
  • A currency exchange fee will apply for payments deducted from the Japanese yen balance for purchases made outside Japan.
  • Program details and conditions are current as of August 1, 2020. Program details and conditions may be revised or the program may be terminated depending on market developments, etc.
  • In principle, customers are asked to select one promotion or program per single transaction. (Please note that multiple promotions or programs may be applied simultaneously depending on the terms and conditions.)
  • There may be other in-store or online promotions and programs that are offered independently of this program. Conditions, benefits, etc., which are more favorable than what is offered by this program may be available.
  • Please see this month's promotions and programs lists for details of this program or other promotions and programs. Alternatively, you can contact Shinsei Power Call (call center) or speak to a branch employee for details. (Reference number: 5006)
  • [Regarding GAICA]
  • GAICA is a service provided by APLUS Co., Ltd. (hereafter referred to as "APLUS") and is not a product of Shinsei Bank, Ltd (hereafter referred to as "this bank").
  • GAICA is not a product for the purpose of currency exchange transactions carried out by this bank or other banks.
  • GAICA is not a deposit, savings, or fixed-term deposit account (i.e., it cannot be loaded with cash directly).
  • GAICA is not eligible for the insurance money payments stipulated in the Deposit Insurance Act and Agricultural and Fishery Cooperation Savings Insurance Act.
  • A performance bond system has been established in accordance with fund settlement-related laws in order to safeguard these laws and to provide protection to those who have been issued a GAICA card by APLUS and are permitted to use it (hereafter referred to as "members"). APLUS makes deposits as follows upon issuing a GAICA. [Deposit method] Cash deposits [Deposit office] Osaka Legal Affairs Bureau
  • GAICA members have the right to receive a refund from the performance bond pursuant to their GAICA balance upon exercising their rights as stipulated in the fund settlement-related laws.
  • The GAICA Prepaid Card with Flex functionality is the only option available for GAICA applications made through this bank. Applications can only be made through this bank's online banking website (Shinsei PowerDirect). Applications cannot be made over the telephone or at branches. Please understand that this bank cannot bear any responsibility for cases in which an application cannot be made on the Shinsei PowerDirect website due to a system-related matter or similar.
  • All GAICA transactions will be performed between the customer and APLUS, and therefore this bank cannot bear any responsibility for them. Please visit the APLUS homepage for important notes regarding GAICA transactions, the handling fee system, etc., and contact APLUS directly for any queries you may have.
  • [Points to Note Regarding the Home Loan Program]
  • PowerSmart Home Mortgages are eligible for this program.
  • The following customers are not eligible.
    • Customers who use "Anshin Pack W (Double)" or "Anshin Pack S" (ancillary services)
    • Customers who use "T Point×Step-down Home Mortgage" or "D pointxStep-down Home Mortgage", corporate partner home loans, Shinsei Bank property accumulation savings benefits, or partner promotions/programs
  • Customers who complete their application for the program using the application form on the Shinsei Bank website by 23:59 on the date they enter their loan contract are eligible. Please note that program applications made after 23:59 on the loan contract date will be invalid.
  • Customers will not be eligible for mileage accrual if they do not make an application for the program, do not perform the procedures in accordance with the designated methods, or terminate their account before accrual.
  • Customers will also not be eligible for ANA mileage if their ANA Mileage Club membership number is invalid at the time of accrual, or if their application form contains a mistake.
  • ANA miles will be accrued by the end of the 2nd month following the month in which the loan was executed.
  • If several applications are made, the last application submitted will apply.
  • If an application is also made for another program/promotion which cannot be used in conjunction with similar programs/promotions, the last application submitted will apply.
  • Program details and conditions are current as of August 1 2020. Program details and conditions may be revised or the program may be terminated depending on market developments, etc.
  • In principle, customers are asked to select one promotion or program per single transaction. (Please note that multiple promotions or programs may be applied simultaneously depending on the terms and conditions.)
  • There may be other in-store or online promotions and programs that are offered independently of this program.
    Conditions, benefits, etc., which are more favorable than what is offered by this program may be available.
  • Please see this month's promotions and programs lists for details of this program or other promotions and programs. Alternatively, you can contact Shinsei Power Call (home loans line) or speak to a bank employee for details. (Reference number: 5065)

Contact Information

Shinsei Power Call

Shinsei Power Call (Home Loans)
Contact Home Mortgage

Telephone

Toll-free number (NTT) 0120-456-515

weekdays* / 9:00-17:00

*except bank holidays during year-end/new year (12/31 - 1/3)