ドコモの銀行 ドコモSMTBネット銀行（旧 住信SBI）

株式会社ドコモSMTBネット銀行

About this app

This is the official smartphone app provided by Docomo SMB 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 SMB 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.

*ATM deposits and withdrawals are free when using "ATM with App". Available at Seven Bank and Lawson Bank ATMs. (Limited to eligible branches)
*Transfers to other banks are free when using "Kotora Transfer". Transfers up to 100,000 yen per transaction. Limited to financial institutions that support this transfer service.

2. Earn d-points with the Smart Program!

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

*Account linking is required to earn d-points.

*Points awarded are d-points (limited time and use).

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

The maximum bonus points from Smart Program rank benefits is 10,000 points per month.

3. 24/7/365 Robust Security
Multi-layered protection for your valuable assets includes biometric authentication, identity verification via this app, and 24/7/365 transaction monitoring for fraud detection.

[Main Features] ~Packed with convenient features~
◆Open an account with the app: Account opening completed in as little as 5 minutes from application!

* Account opening can be completed in as little as 5 minutes* from application with just a smartphone and identification documents.
*When using "Public Personal Authentication" or "IC Chip Reading" as the identity verification method.
*Depending on the screening process, it may take some time to notify you of the account opening result.
*Residence cards and special permanent resident certificates (including those integrated with My Number Cards) issued after June 14, 2026, cannot be used as identity verification documents when opening an account. Please check the notice for details.

* "ATM with App" allows deposits and withdrawals without a cash card.
* You can deposit and withdraw cash using a smartphone app instead of a cash card at Seven Bank ATMs and Lawson Bank ATMs nationwide (excluding some).
* You can deposit and withdraw cash, and borrow and repay card loans.
* Registration for Smart Authentication NEO is required to use the "ATM with App" service.

* Transfers
* The number of free transfers to other banks is determined according to your Smart Program rank. * Transfers up to 100,000 yen are automatically processed through "Kotora Remittance," allowing for unlimited free transfers. (※Limited to financial institutions that support Kotora Remittance)
* We also offer "Fixed Amount Automatic Transfer," which allows you to repeatedly transfer funds to your designated recipient monthly or weekly, and "Fixed Amount Automatic Deposit," which automatically withdraws a specified amount from your other bank account and deposits it 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 falls short of 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 Smapro Rank Benefit, you will receive preferential point reward rates according to your rank.
* The cards eligible for the Smapro Rank Benefit are the Debit Card Point+ (Mastercard®) and the Platinum Debit Card (Mastercard®).
The maximum bonus points you can earn from the Smapro Rank Benefit is 10,000 points per month. *Point redemption rates vary depending on the card type and where you use it. There are conditions to receive the maximum redemption rate.

*Debit cards deduct funds directly from your bank account, eliminating the need for troublesome top-ups. This also helps prevent overspending.

*Registering with Google Pay™ allows for contactless payments via smartphone. You can complete your purchases with just your smartphone.

*Secure Biometric Authentication: Password-Free "Smart Authentication NEO"
*Registering for Smart Authentication NEO eliminates the need for web transaction passwords and authentication numbers for each transaction.

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

*Manage Your Money with "Purpose-Specific Accounts"
*Create up to 10 "Purpose-Specific Accounts" to manage your money for different purposes, such as future savings, travel expenses, or a home purchase.

*Includes a convenient automatic transfer function. You can set the amount and timing to automatically transfer funds from your main account to your purpose-specific accounts.

*You can also manage yen time deposits and foreign currency deposits.

◆ Invest your bank balance directly by linking your securities account
- Compatible with both Monex Securities and SBI Securities.
- Automatically deposit your bank account balance into your securities account.
◦ Benefits of linking your account with Monex Securities
- Earn and use d-points because it's part of the NTT Docomo Group
- Wide range of products and easy-to-start fees
- Automatic deposits are possible by linking your bank account
◦ Benefits of linking your account with SBI Securities
- SBI Hybrid Deposit automatically becomes your buying power at SBI Securities
- Trade US stocks with low-cost foreign currency deposits of 6 sen (one way) for USD/JPY
- Easily check your SBI Securities balance and unrealized gains/losses with our app

【Other Functions】
◆ Balance Inquiry/Deposit/Withdrawal Details
◆ Real-time Notifications
◆ Yen Deposits/Structured Deposits
◆ Foreign Currency Deposits

【Notes】
- Some limitations may occur depending on your device.
- If you use ¥ (yen symbol) in the various 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 SMTB Net Bank is recommended for the following people]
We will guide you through each function and service.

◆d Account Linking
・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 with 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.
* 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 transactions at convenience stores.
- I'm interested in internet banking that allows deposits and withdrawals without going to a bank ATM.
- I want to deposit and transfer money to my bank account using an online banking app.

◆Balance Inquiry and 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 using 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 my foreign currency deposits and perform procedures such as deposits using the bank app.
- I want to check the balance of my foreign currency deposit account using the bank app.

◆Investment Linkage (SBI Securities, iDeCo, Tsumitate NISA, etc.)
- Monex Securities or SBI Securities account I want to invest my bank balance directly by linking it with my account.
- I trade using the Monex Securities app and want to use the automatic deposit function by linking it with my bank account.
- I invest using the SBI Securities stock app and want to deposit easily.
- I am considering opening a bank account for bonds, iDeCo, and Tsumitate NISA.
- I have opened an account with an online securities company, so I 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 company account I use for iDeCo and Tsumitate NISA.
- I use SBI Securities with their smart app and want to link it with an online bank.

◆ Debit Cards and 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 bank account when applying for a home loan.
- I am interested in home loans offered by online banks.

Ratings and reviews

Applying for SBI securities from this app is extremely buggy. It also limits your full name to 17 characters, which creates a lot of problems. After a while, I received an email saying 'documents are missing, please login', and the login is blocked. It is complete nonsense.

Any chance of providing the APP with bilingual options, such as switching to English? Many foreigners are very interested in the advanced features like creating savings sub accounts and direct savings transfers but do not read Japanese making it hard to navigate the setups. This is just one example for your understanding. Hope there is something coming like this in the near future 😁

Latest update locked out GrapheneOS users, and they said they don't care. Never trust a bank that can lock you out at any time.

What’s new

カラーリングの軽微な調整を行いました。