ネット銀行活用術 : 大和ネクスト銀行の特徴

大和ネクスト銀行は、インターネット銀行として存在しますが、2010年4月に設立された、まだ歴史の浅い会社です。新しい銀行ではあるものの、大手証券会社として有名な、大和証券の100%子会社ですから、金融関係の実績に関しては申し分ないといえるでしょう。

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大和証券の口座とセットで利用するのが基本

一般的なインターネット銀行とは違い、大和ネクスト銀行は単独で利用することができません。利用するなら、親会社である大和証券のサービスも同時に利用する決まりになっています。大和証券に口座を持っていなくても、インターネットで簡単に申し込める流れになっていますから、安心しましょう。

両方の口座を、同時に申し込むことができるのがメリットです。既に大和証券の口座を持っている人なら、大和証券のオンライントレードの画面から、簡単操作で大和ネクスト銀行の預金口座を開設できます。大和ネクスト銀行の口座開設を済ませると、大和証券のダイワ・カードを利用して、大和証券のATMや提携金融機関のATMなどから自由に入出金が可能です。

セブンイレブンやイトーヨーカドーなどに設置されている、セブン銀行のATMならば、手数料無料で利用できますので活用してみましょう。但し、平日や土曜日の19時~21時の間は出金に限り、108円の手数料が発生するため注意してください。

普段の管理や手続きは、大和ネクスト銀行の公式サイトにログインして行うようにします。銀行のユーザーIDを使う方法と、大和証券の口座番号でログインする方法の2種類が存在します。利用目的に合わせて、使い勝手の良いログイン方法が選べるのがメリットです。

自分名義の振込であれば何回でも無料

利用することによるメリットとして大きいのが、振込手数料の安さです。他行宛の振込手数料の高さが気になる人も多いでしょうが、大和ネクスト銀行に預金口座を持っていれば、他行の自分名義口座への振込に限り、何回手続きを実行しても手数料が発生しません。

しかし、楽天銀行と新生銀行は対象外ですので、忘れないでください。様々な金融機関の預金口座を使い分けている人にとっては、お得な銀行だと判断できるでしょう。他人名義の振込であっても、手数料無料で振込ができるチャンスがあります。月3回までならば、他行宛の他人名義口座への振込手数料が無料です。

楽天銀行と新生銀行の自分名義口座への振込も、こちらの仕組みが採用されています。4回目以降の振込だと、1回につき216円の手数料が発生しますが、窓口の取り扱いよりも圧倒的な安さを誇りますので、大きな負担にはならないでしょう。翌月に移行すれば、前月の消費回数がリセットされ、月3回まで無料になる特典が復活します。

大和証券口座への振替と、大和ネクスト銀行内の他人名義口座への振込であれば、いつでも手数料無料です。インターネット銀行ならではの費用の安さを誇っていますので、メリットを活かしてお金の管理を行いたいところです。

便利な商品として、資金お取り寄せサービスというものが用意されています。他行の本人名義口座から、自動的に一定額を大和ネクスト銀行の預金口座に移動させて貯蓄ができる、便利な仕組みです。資金の移動日として毎月6日、もしくは27日のいずれかを指定できます。1万円以上から利用でき、移動の際の手数料は発生しません。

円と米ドルの定期預金の金利が優遇される

資産運用に便利な大和証券とセットで利用できるだけでなく、セットで利用するからこその特典が用意されている部分に注目しましょう。大和ネクスト銀行では、ネットの定期預金で普通預金よりもお得に貯蓄することが可能ですが、ダイワのツインアカウントを所持しており、大和証券の本支店で申し込むことによって、金利が優遇される特典が適用されます。

適用されると、円定期預金が3ヶ月コースで金利が年1.50%、6ヶ月なら年0.80%、1年で年0.42%に変化します。通常金利よりも圧倒的な高さを誇りますから、上手に活用してみましょう。円定期預金だけでなく、外貨定期預金も高金利に設定されます。3ヶ月と6ヶ月、1年のコースが全て年1.50%になるのが特徴です。

条件として、円を利用して50万円以上の米ドルを購入し、全ての金額を米ドルの定期預金に入れる必要があります。更に10万円以上を、先程の米ドルの定期預金の範囲内で円定期預金に入れるようにすれば、適用されることを覚えておきましょう。

他にも、金利が優遇されるサービスが存在します。大和証券のダイワファンドラップを一定条件で利用していれば、円定期預金の3ヶ月コースと1年コースを同時申し込みすることで、通常金利よりも高くなります。

入金プランには3種類があり、スタンダードな入金プランと、退職金入金プラン、満期金・償還金プランから選べるのが特徴です。注意したいのが、ダイワファンドラップオンラインの利用です。

この商品だと条件を満たせませんので、ダイワファンドラップか、ダイワファンドラッププレミアムを契約しましょう。

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