メガバンク「三井住友銀行」のコンビニATM手数料も無料になる!?

普段お金が足りなくなると、コンビニのATMでお金を引き落とすことが当たり前のようになっていますが、その時に手数料を気にしたことはあるでしょうか?

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条件を満たすと月4回までコンビニATM手数料が無料

たった108円だから気にしないという人もいるかもしませんし、手数料を気にしている人は引き落としを我慢している人もいるかもしれません。

でも、もし手数料が無料になるとしたら、普段利用している人の中でも嬉しいと思う人もいることでしょう。また引き落としを我慢してしまう人は、これからは上手に利用することができるわけです。意外と知られていないところですが、三井住友銀行では月4回までコンビニATM手数料が無料になります。

これは、ただ通帳を持っていれば誰でも無料になるわけではありません。いくつかの条件があり、それを満たせば無料になります。契約には、以下の種類があります。

・三井住友銀行に関して、当月に給与受け取りや年金受け取りがあること
・SMBCポイントパック契約口座にて、三井住友カードとセディナのクレジットカード利用代金の引落しがあること
・円預金や外貨預金、投資信託等で残高合計額が30万円相当額以上であること
・ローンの借入残高があること
・Web通帳の契約があること
・カードローンの契約があること

です。今まで手数料を支払ってきた人で、節約を検討している場合は、これを機に契約を考えてみるといいですし、反対に、実は毎月給与受け取りで三井住友銀行を利用しているのに、手数料が取られると思い込んでいてコンビニでの引き落としを我慢していたという方は、これからは上手に利用すればいいでしょう。

一般的に無理なく契約できるものとは

もし上記契約の種類で一つも条件に当てはまらなかった場合は、ATM手数料が無料になるならば、いずれかの条件を満たすために新たに契約したいと検討するでしょう。しかし、心情的には、わざわざローンは組みたくないと思うのが一般的です。

ではそうした場合に、余計な負担をすることなく、無理なく利用しやすい契約とは一体どれになるでしょうか。対象の契約の中では、Web通帳が一番簡単に契約できます。聞き慣れない方もいるかもしれませんが、インターネット上で通帳と同じように残高を確認することができます。

契約すると、紙の通帳は発行されなくなりますが、代わりにパソコンや携帯電話から最大25カ月分に遡って、確認することができます。古いデータを保管したい場合は、印刷しておくといいです。契約手続きには、支店窓口でもweb通帳に切り替えることはできますが、なかなか直接窓口まで行けない場合は、インターネット上でも申し込むことが可能です。

少々手続きに時間がかかりますが、普段からクレジットカードを使っている人ならば、三井住友のクレジットカードに切り替えるのもお勧めです。こちらも、契約書を取り寄せて自宅で記入して申し込むことができます。また、もし勤務している会社の給料受け取りを、三井住友銀行に指定可能なのであれば、変更もお願いしてみましょう。

切り替え月は会社で決められているものですが、少し待てば条件に入ることができます。一般的に無理なく契約できるのは、上記の3つとなります。銀行側にとっても、色々な商品を利用してくれる方に、サービスを提供したいものなので、ただ通帳を持っているだけでなく、上手く活用するといいでしょう。

月に4回ATM手数料が無料になるとどれだけ得する?

いかがでしたでしょうか?まだピンとこない方も、まずは数字にして比較してみましょう。

紙に描いたり、パソコンで計算することで、目で見ると実感できるところもあります。普段何気なく払っている額だけで、年間いくらかかっているでしょうか。これがもし、手続きをしたうえで無料になった時には、いくら得になるか考えてみましょう。

現在の三井住友銀行のコンビニATM手数料は、1回あたり108円ですから、月4回で432円です。これが年間で5184円にも膨らみます。毎年5184円、あるいはそれ以上に払うとなると、意外とかなりの額になることがわかります。このまま10年経った場合は、いくら払ってきたのか考えたくもない額になっているのではないでしょうか?

さらには、家族の中で複数人が最低でも4回はコンビニ引き落としを利用しているのだとしたら、その額はもっと膨らみます。年間で万単位まで行く家庭もあるかもしれません。そうなっているとしたら、かなり勿体ないことをしていることがわかります。

家計簿に細かい金額までつけていないかもしれませんが、面倒でも一度ここ数か月の金額を記入して確認してみましょう。これが無料になる契約の手続きをすると、かなりの節約になりますから、是非実践してみてください。浮いたお金で、また他の必要なところに使うことができるかもしれませんし、普段購入したかったものに使うこともできるはずです。

三井住友銀行は、様々なサービスがありますが、ただ通帳を持っていてお金の引き落としや預け入れをするだけに利用するのではなく、こちらが得するのであれば賢く利用していきましょう。

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