家計簿プリカB/43：同棲カップル・夫婦の家計管理

【What is B/43】
- B/43 is a new expenditure management service that combines the "household account book app" and the "Visa prepaid card" into a "household account book Preca" set.
- You can charge your monthly budget to the card, make daily payments, and it will be automatically recorded and visualized, making it easy to continue managing your expenses.
- B/43 supports "payments" and "expense management" for those who have challenges with spending money, helping them keep their monthly expenses within budget to sustain their lifestyle.

【Types of B/43 Cards】
Three types are available according to your needs, all usable together within one app:

1. B/43 Pair Card: For couples or partners! Two cards issued for a shared account where two people can share the balance, regardless of marital status.
2. B/43 My Card: Ideal for solo living or debut in household management! Perfect for managing personal allowances and living expenses. Also supports additional charging based on your needs.
3. B/43 Junior Card: Perfect for your child's first card. Issued upon parental application, allowing your child to use it even without a smartphone.

【Features of B/43】
- Visa prepaid card application completed through the app: - Usable at Visa member stores such as convenience stores, supermarkets, drug stores, and online shops. - Can be used within the deposit (charge) range and free loading options available from bank accounts, credit cards, convenience stores, and Seven Bank ATMs.

- User-friendly payment details and balance check: - Check current balance and payment history through the app. - Past balances can be reviewed via graphs to help identify overspending.

- Real-time payment notifications: - Receive push notifications at the time of payment reflecting in your usage history. - Promptly detect any unauthorized use.

- Monthly spending reports feature: - Automatically categorize monthly expenses for easy review through graphs. - Automatically create household account books.

- Easy balance management with budget setting: - Set monthly budgets for easy tracking of current month balances. - Allows setting budgets per category. - Use the "Summary Report" to assist in reviewing budgets for the following month.

- Pocket feature for managing money by purpose: - Enables money management for specific purposes. - Budget management by week is also possible. - Save money from savings and use it for other purposes.

- Cash withdrawal at Seven Bank ATMs: - Cash withdrawal available at nationwide Seven Bank ATMs (fees apply).

- “Additional Charging” feature that allows deposits anytime, anywhere: - Usable from the month of deposit until the end of the following month. - Can deposit as needed. - Deposit amounts range from a minimum of ¥3,000 to a maximum of ¥50,000. - Partnership assessment required.

【Recommended For】
If you:

• Find using paper household account books or apps cumbersome and hard to maintain
• Manage cash by dividing it into envelopes or minimalist passport cases
• Want to roughly budget your monthly living expenses
• Spend time withdrawing cash from fee-free ATMs
• Are looking to break free from monthly installment or revolving payments
• Struggle with knowing how much you spent and how much you have left
• Share household expenses in cash with a spouse, partner, or roommate
• Frequently split expenses between spouses, couples, friends

【How to Use B/43】
Using B/43 is simple in 4 steps. Top up (charge) via the app and reduce unnecessary spending just by using the Visa prepaid card:

1. Register through the app in as quick as 5 minutes:
Registration process completed entirely within the app and can be done in as quick as 5 minutes. Your card will then be delivered by mail. No age restrictions or annual fees apply.
2. Top up (charge):
Deposit your money into B/43 based on your set budget for the month. Supports various top-up methods beyond bank accounts and convenience stores.
3. Use for payments (in-stores & online):
You can use your B/43 card for payments at stores both physically and online as long as they support Visa payments. Payment methods vary depending on the type of card you have (magnetic stripe or IC chip card). Please select payment options based on your card type.
4. Review expenditures:
By checking notifications received immediately after payments, you can easily see how much you have left. Payment data is automatically recorded and categorized by type, allowing you to track budget progress per category. A monthly summary report is sent out on the 1st of every month facilitating regular expense reflections.

【Reliable Operational Structure】
- Certified by an external auditing company compliant with PCI DSS security standards in the credit card industry. - Provides compensation services in case of unauthorized incidents where up to ¥100,000 is claimable within 30 days (certain conditions apply). - Smart Bank Co., Ltd., operating company of B/43, holds registration as a fund transfer operator (License No. 00084) under the authority of the Kanto Finance Bureau and is a member of the Japan Fund Settlement Association.

【Contact Information】
For opinions or bug reports, kindly send them through this link allowing us to provide a smooth resolution:
Support Link