ネット銀行活用術 : りそな銀行の特徴

都市銀行として運営している金融機関のりそな銀行ですが、全国に330以上の本支店を構えている他、ネット銀行としての顔も持っています。

ネットを活用したオンライン取引を利用することで、振込手数料が安く抑えられるのがメリットです。

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オンライン取引なら振込手数料が安い

お得に送金したいなら、ぜひともりそな銀行のオンライン取引を活用しましょう。比較対象として、窓口とATMの振込手数料を見ていきましょう。個人の利用において、窓口扱いならりそな銀行の同一支店宛、もしくはりそなグループの本支店宛だと540円が発生します。他行宛なら864円です。

これが、ATMだと同一支店宛でカードが無料、現金が324円で、りそなグループの本支店宛ならカードが108円、現金が324円です。他行宛だとカードが432円、現金扱いで648円もします。オンライン取引による振込であれば、同一支店宛だけでなく、りそなグループの本支店宛も無料になります。

他行宛であっても、216円しかかかりません。ネットを利用すれば、圧倒的な安さを誇ることがよく分かるでしょう。振込手数料に関して、よく3万円以上と3万円未満で発生する費用が異なる銀行が多いものの、りそな銀行の場合は金額に関係なく、一律の振込手数料である事で、わかりやすいメリットを持っています。

窓口やATMと違って、オンライン取引であれば店舗に足を運ぶ必要がありません。天候が悪い日でも、パソコンやスマートフォンを使って、室内でいつでも取引ができるのが魅力です。営業時間外の手続きであっても、振込予約をすることができ、ある程度自由な日にちの営業時間帯に振込を実行できるのが、融通が利くサービスだといえるでしょう。

取引するほどもらえるポイントが魅力的

りそなクラブというサービスが、りそな銀行には用意されており、取引内容によって独自のポイントを貯めることができるようになっています。まるでクレジットカードのように、お得なポイントが貯まっていくのがメリットです。ネットでも電話でも簡単に、りそなクラブに入会ができる仕組みになっています。

ポイントが貯められる取引内容は、一覧表に記載されていますので、りそな銀行の公式サイトで確認してみましょう。例として、給与や年金の受取口座に、りそな銀行の普通預金口座を指定しておけば、それぞれ月に20ポイントが貯められます。りそなVisaデビットカードの利用代金引き落としで月に10ポイント、ショッピングの利用なら1000円ごとに5ポイントを貯められます。

ポイントモール経由でネットショッピングを楽しめば、1000円ごとに5~145ポイントも貯められるのが魅力です。貯めたポイントは、パートナー企業のポイントや、マイルに交換できるのが便利です。NTTドコモのdポイントやTポイント、ビューカードのポイントに楽天ポイント、nanacoポイントやJALのマイルなど、有名なポイントやマイルに交換できるため、使いみちの幅が広くなっているのが使いやすい制度だといえるでしょう。

お得なポイントは交換目的だけでなく、獲得ポイント数によってステータスが変化し、各種優遇が受けられるのもメリットです。

パールのステータスなら、りそなグループのATM手数料が無料になります。ルビーだと、コンビニATMの手数料が月3回まで無料が追加、ダイヤモンドだと窓口以外の振込手数料無料が追加される仕組みです。

カードローンの金利がとても低い

消費者金融だけでなく、最近では銀行でもカードローンを通じてキャッシングを利用可能です。りそな銀行でも、プレミアムカードローンやクイックカードローンなどのサービスが提供されており、銀行系ならではの金利の低さを誇ります。

銀行系のカードローンは、低金利だと有名ですが、その中でもりそな銀行のカードローンの金利水準は、かなり低いのが特徴です。条件が厳しいカードローンであれば、低金利でも大して珍しくないものの、クイックカードローンはアルバイトやパートでも、本人に収入があれば、お金を借りることができます。

それでありながら、最も高い金利でも年12.475%しか発生しない点に注目してください。 一般的な銀行系のカードローンは、最も高い金利で14%台が普通です。これよりも遥かに低い金利が設定されているため、少ない利息でお金を借りやすい体制が整っているのがメリットです。

限度額は30万円~200万円までの6段階に分かれており、年収や勤続年数などを明確に問われることがありません。最寄りの店舗に向かうことなく、ネットで直接カードローンの申し込みから契約まで可能です。希望限度額が100万円未満であれば、収入証明書を用意する手間がかかりません。更に、現在使用しているりそな銀行のキャッシュカードにカードローン機能を、付帯できるのが便利だといえるでしょう。

1枚のカードで両方の機能が使えるため、管理が楽になります。返済金額は利用残高に応じて1万円からですが、比較的大きな金額で返済していきますので、残高を無駄に増やしてしまい、利息の負担が自然に多くなってしまうのを防げます。

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