What is B/43
・B/43 is a new spending management service called "Kakeibo Preca", which is a set of "Kakeibo App" and "Visa Prepaid Card".
・You can charge your monthly budget to the card and make daily payments, which are automatically recorded and visualized, so you can easily continue to manage your spending.
・B/43 supports "payment" and "expenditure management" so that people who have problems with "spending" money can live by keeping their monthly expenses within their budget without overspending.
Types of B/43 cards
Three types are available depending on the application. Can be used together in one application.
It is the best card for managing expenses such as personal living expenses and pocket money. Charges can also be used later according to the purpose.
You can issue and use two cards in a shared account that can be used by two people sharing the balance. You can use it even if you are not married.
Perfect for your child's first card. It is issued upon application by a guardian, and children can use it without a smartphone.
Features of the B/43
・Can be used at Visa affiliated stores such as convenience stores, supermarkets, drug stores, and online shops.
・It can be used within the deposit (charge) range, and can be deposited from bank accounts, credit cards, convenience stores, and Seven Bank ATMs for free.
・You can check the current balance and payment history in the app.
・You can also check the past balance in a graph and understand the overuse.
・A push notification will be sent at the time of payment, and will be reflected in the usage history.
・ Immediate notice of unauthorized use.
・Monthly expenditures are automatically categorized and can be checked in graphs.
・Automatically create a household account book.
・You can set a monthly budget and easily check the balance for the current month.
・Budget can be set for each category.
・"Summary report" is useful for reviewing the next month's budget.
・You can manage money for each purpose.
・It is also possible to manage the budget on a weekly basis.
・Save the saved money and use it for other purposes.
・Cash can be withdrawn from Seven Bank ATMs nationwide (fees apply).
・Can be used from the month of payment until the last day of the following month.
・You can deposit as much as you need.
・The amount that can be deposited is from a minimum of 3,000 yen to a maximum of 50,000 yen.
・Review of partner is required.
・ Those who do not continue to use a paper household account book or household account book app because it is troublesome
・Those who manage cash separately in envelopes or unmarked passport cases
・Those who want to roughly budget their monthly living expenses
・People who spend time withdrawing cash at ATMs that do not charge fees
・ Those who want to get out of monthly installments or revolving payments
・People who do not know "how much was spent for what" and "how much more can be used"
・Those who share the household budget with a spouse, cohabiting partner, or sharemate and manage the household budget in cash.
・People who frequently make reimbursement payments with their spouses, couples, or friends
How to use the B/43
Using the B/43 is an easy 4 step process. You can reduce wasteful spending just by depositing (charging) with the B/43 app and paying with a Visa prepaid card.
<(1) Register in as little as 5 minutes with the app>
・ All applications are completed with the app and can be completed in as little as 5 minutes if you have your identity verification documents.
・The card will be delivered to you by mail.
・There is no screening or age limit, and the annual membership fee is free.
・By referring to the set budget, you can deposit the money to be used this month into B/43.
・In addition to bank accounts and convenience stores, we support a wide range of payment methods such as credit cards and cash payments.
<(3) Use for payment (in-store/online shopping)>
・B/43 cards can be used for payment at any store or online, as long as the payment terminal is compatible with Visa.
・Acceptable payment methods differ depending on the type of card (magnetic card, card with IC chip), so please pay according to the type of card you have.
<(4) Review your spending>
・If you look at the notification that arrives immediately after payment, you can see at a glance "How much more can you use?"
・Expenditure data is automatically recorded and classified by category. You can see the progress of the budget by category.
A summary report will be sent on the 1st of each month. You can review your spending on a regular basis.
Reliable management system
・Acquired PCI DSS certification, a security standard for the credit card industry, by an external auditing company
・We provide a compensation service in the event of fraud, and can compensate up to 100,000 yen within 30 days. (*Certain conditions apply)
・The operating company, Smart Bank Co., Ltd., is registered as a fund transfer business (Kanto Local Finance Bureau Director No. 00084) and is a member of the Japan Payment Service Association.
Please send your comments and bug reports here, not as a review
We will do our best to resolve it as quickly as possible.