ネット銀行活用術 : 三井住友銀行の特徴

三井住友銀行は、大手都市銀行としてあまりにも有名です。日本の3大メガバンクの1つとして知られており、多くの個人や法人利用者が存在しています。

都市銀行とは、銀行の中でも全国に幅広くサービスを展開しているのが特徴です。

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全国どこからでも申し込める利便性の良さ

比較対象として地方銀行がありますが、地方銀行は利用地域が限られてしまうケースが大半です。地方銀行だと、本支店の営業地域に住まいがある、もしくは勤務先がなければ預金口座を作れない、各種サービスを利用できないことが多く、地域密着型などとも呼ばれています。

三井住友銀行のような都市銀行は、地域の縛りがあまり見られません。日本国内に在住していれば、全国どこからでも預金口座を作れたり、サービスの申し込みや手続きができる利便性の良さを誇っています

三井住友銀行では、SMBCダイレクトというインターネットバンキングサービスを提供中です。インターネットが使える場所からなら、いつでもどこでも利用できるのがメリットだといえるでしょう。パソコンだけでなく、スマートフォンやタブレットでも操作が可能です。

SMBCダイレクトを利用するなら、先に三井住友銀行で普通預金口座を開設しなければなりません。しかし、本支店の窓口に向かわなくても、ネットで簡単に申し込み手続きができますから安心しましょう。ネットで可能な口座開設の方法として、スマホアプリを使ったものと、郵送が用意されています。

素早い手続きを希望するなら、スマホアプリが便利です。iPhoneやAndroidといったデバイスに対応したアプリストアから、無料でダウンロードできます。

口座開設プランのSMBCスタンダードに注目

単純に、SMBCダイレクトを申し込む方法だけでなく、口座開設プランしてSMBCスタンダードという方法が、三井住友銀行では用意されています。とても便利な口座開設方法ですので、まだ三井住友銀行の普通預金口座を持っていなければ、この方法を試してみましょう。

SMBCポイントパックという残高別金利型普通預金と、SMBCダイレクトがセットになった申し込みに加えて、SMBCデビットとWeb通帳の2種類を自由に選択できる仕組みになっています。一度に複数のサービスに申し込めるのが、メリットです。

SMBCスタンダードへの申し込みは、インターネットから来店不要で可能です。セットの中に含まれているSMBCデビットとは、デビットカードのことです。4種類のデザインから選べるのが魅力的で、クレジットカードのような審査が不要なのが、誰でも使いやすいカードだといえるでしょう。

Visaの取り扱いがある販売店や、ネット通販サイトなどの支払いに使えるようになります。クレジットカードのように立替払いをするタイプではなく、三井住友銀行の、本人の預金口座残高から直ちに引き落とされるのが特徴です。カードなのに現金感覚で使える点が、注目されています。

年会費が発生しない上に、利用額の0.25%が毎月キャッシュバックされますので、現金よりもお得に買物できるのがメリットです。 Web通帳は、紙の通帳を発行せずに、SMBCダイレクトの管理画面内で預金口座の管理をする方法です。リアルタイムに入出金や残高の確認できますので、デビットカードを使う際に、預金残高が気になっても、スマートフォンなどでその場で確認しておけば、安心して支払いができるでしょう。

カードローンの借り入れや返済がネットで可能

お金を預けるだけでなく、カードローンを通じてお得にお金を借りられるのも、三井住友銀行を利用するメリットでしょう。大手消費者金融のプロミスの自動契約機が使えることで有名です。パートやアルバイトでも、本人に安定収入さえあれば申し込める借りやすいカードローンなのが特徴で、SMBCダイレクトと併用すれば更に使い勝手がアップします。

三井住友銀行に預金口座を持っていなくても申し込めるのが魅力のカードローンですが、SMBCダイレクトが使えない場合、ATMを利用した借り入れに限られてしまいます。返済であれば、口座振替が利用できますが、臨時返済だとATMで行わなければなりません。

SMBCダイレクトが使える状態でカードローンの契約をすれば、借り入れも返済もインターネットバンキングを通じて利用することが可能です。わざわざATMに向かう必要がなく、パソコンやスマートフォンなどを使って手続きするだけで、指定口座にお金を振り込んでくれます。

返済時も同じで、カードローン口座に振込むことで毎月の返済や臨時返済が可能です。コンビニのATMも使えるカードローンとあり、あまりネットの利便性を感じられない人もいるでしょうが、悪天候の時や自宅から出られない場合、大至急手続きをしたい時などは、SMBCダイレクトが使えると助かることでしょう。

この他にも、ネット経由で利用できるサービスが満載です。ネットがつながる環境が整っていることで、各種申し込みや手続き、緊急時の対応が楽になることを知っておけば、三井住友銀行のサービスをお得に便利に使いこなすことができます。

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