インターネットバンキングの種類は?

インターネットバンキングとは、インターネットを介して行われる、銀行の取引サービスのことをいいます。

ネットバンキングや、オンラインバンキングと呼ばれることもあります。

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インターネットバンキングとは?

銀行の窓口や、ATMでは取引時間が限られているため、取引を行うためには必ずその時間内に訪れる必要がありました。銀行の窓口は、平日の9時から15時までとなっている事がほとんどのため、仕事を持っていると、なかなかこの時間に訪れることができないといった、悩みも多くありました。

そういった悩みを解消してくれたサービスが、インターネットバンキングです。深夜や早朝などの時間帯でも、取引を行うことができるため、時間を気にせずに振り込みなどを行うことができます。また、銀行の店舗を訪れる手間も省けることから、利便性が高いサービスとして広く普及していきました。

一般的な銀行の中には、法人向けのインターネットバンキングを提供しているところもあります。インターネットバンキングでは、パソコンのブラウザを使うのが主流ですが、携帯電話やスマートフォンなどでの取引も、段々増えてきています。携帯電話やスマートフォンを使えば、外出先などでも振り込みや残高確認などが手軽にできるため、利便性はさらに向上しています。

それからインターネットバンキングは、手数料が割安というメリットもあります。手数料はそれぞれの銀行やサービスによって異なりますが、店舗の人件費やATMを設置する費用などがかからない分、安く設定されていることが多いようです。

通帳に記帳しなくても、取引明細をチェックできるというメリットもあります。

一般銀行のインターネットバンキングサービスとインターネット支店

インターネットバンキングは、主に3つの種類に分類することができます。その1つが、都市銀行や地方銀行などの店舗型の一般銀行が提供しているインターネットバンキングサービスです。都市銀行や地方銀行に口座を開設する際に申し込んだり、すでに口座を持っていた場合には、後からインターネットサービスを申し込むものです。

一般銀行が提供しているインターネットバンキングサービスは、手数料が安いなどインターネットバンキングならではのメリットがあります。それに加えて、従来の銀行が提供しているサービスも、利用できるといったメリットもあります。しかし、インターネットバンキングの中には、専業銀行もあり、手数料や金利の面ではそちらの方が有利と言われています。

ただ、児童手当のような給付金は、インターネット専業銀行を指定することができない場合もあります。それから、インターネットバンキングには、店舗型の一般銀行が設けているインターネット支店もあります。これは、一部の都市銀行で行われているものなので、都市銀行や地方銀行が提供しているインターネットバンキングサービスに比べると、その数は多くありません。

インターネット支店は、支店の中の1つになるので、店舗型の支店を利用していた場合には、そちらから支店を移す必要があります。インターネット支店の場合には、通帳が発行されないことが多く、預金金利が店頭のサービスよりも優遇されていたり、手数料が安いといったメリットがついている場合もあります。

ただし、店頭でのサービスが制限されることもあるので、注意が必要です。

インターネット専業銀行もあります

インターネットバンキングの種類に、インターネット専業銀行もあります。インターネット専業銀行は、店舗や支店を持っていない、あるいは極端に少ないインターネット上の銀行です。2000年頃から登場した新しい形態の銀行で、インターネットの普及に伴ってその数も増えました。

インターネット専業銀行は店舗がないので、人件費を大削減することができます。また、建物にかかる費用やATMの設置費などもかかりません。そのため従来の銀行に比べて、コストを大幅に削減することができました。それにより、ATMの手数料を無料にしたり、預金金利を高くするなど利用者に還元していることから、人気を集めています。

インターネット専業銀行が提供するサービスは、銀行によって様々ですが、外貨預金や投資信託などを扱っているところもあります。また、ローンなどを取り扱ったり、保険や証券などを扱うところもあります。インターネット専業銀行のデメリットとしは、公共料金の引き落としなどができないところもあることです。

また、役所からの給付金の受け取りの際などにも、インターネット専業銀行は指定できない場合もあります。インターネットバンキングは、非常に利便性の高いサービスです。手数料などの節約にもなりますし、従来の銀行よりも、高い金利でお金を預けることもできます。

その一方で、インターネットバンキングを標的とするインターネット犯罪も増えています。例えば、パスワードを盗まれて、口座からお金を盗まれてしまったり、クレジットカードの情報が流出するなどの被害も起きています。

そういった被害にあわないためにも、パスワードの管理を徹底するなど、セキュリティ面で気を付ける必要があります。

スポンサーリンク

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