ワンバンク:AI家計簿アプリで頑張らなくていいお金の管理 23.2.1

Introduction to OneBank

OneBank represents a next-generation AI-based personal finance management tool designed to facilitate automatic and stress-free money organization. Its intelligent assistant learns spending habits and provides gentle guidance on future actions. The platform offers a gamified experience that encourages continued usage without complex setup processes, thereby naturally alleviating financial anxiety. Additional features include joint account management for couples via pair cards and flexible payment options through postpay recharge, making everyday transactions seamless.

Types of OneBank Cards

1. Pair Card: Designed for couples or partners, this card allows shared balance management on a single account with two cards. It can be used regardless of marital status, facilitating joint expense tracking.
2. My Card: Ideal for individuals experiencing their first independence or managing personal finances. Suitable for budgeting living expenses or allowances, with optional postpay recharge functions tailored to specific needs.
3. Junior Card: Perfect as a first card for children. Issued upon parental application, it enables children to use the card without a smartphone.

Notable Features of OneBank

• Visa Prepaid Card Application Process: Complete registration via the app in approximately five minutes. The card is shipped by mail, with no eligibility restrictions or annual fees. It can be used at Visa-affiliated merchants nationwide, including convenience stores, supermarkets, drugstores, and online shops.
• Transaction Transparency and Balance Monitoring: Real-time access to balance and payment history through the app. Past data is visualized via graphs to identify overspending.
• Instant Payment Notifications: Push notifications alert users immediately upon transactions, aiding in fraud detection and expenditure awareness.
• Monthly Spending Reports: Automated categorization of expenses into visual graphs supports ongoing budget management and adjustments for subsequent months.
• Budget Setting and Management: Users can set monthly budgets per category, with the app providing simplified balance checks and periodic review reports to facilitate financial planning.
• Pocket Functionality: Enables routing funds into dedicated pockets based on purpose or weekly budgets, allowing savings for specific goals.
• ATM Cash Withdrawal: Cash can be withdrawn at Seven Bank ATMs nationwide (fees may apply).
• Postpay Recharge: Flexible fund addition that remains accessible until the end of the following month. Recharges can be made from 3,000 to 50,000 yen through partner screening processes, with various deposit methods including bank transfer and convenience store payments.

Target Users

• Those who find paper-based or conventional budgeting apps cumbersome and difficult to sustain.
• User-managed cash envelopes or storage cases seeking digital alternatives.
• Individuals wishing for a broad but straightforward monthly expense overview.
• User sessions involving ATM withdrawals without fees that take up valuable time.
• User seeking to escape from split payments, installment plans, or revolving credit cycles.
• Individuals lacking clear awareness of their expenditure breakdowns or remaining budget.
• Partially shared household finances among partners or roommates managing cash collaboratively.
• Frequent payback management between spouses, romantic partners, or friends.

Usage Instructions

1. Registration in as little as 5 minutes: Complete all procedures within the app; cards are delivered by mail. No screening or age restrictions; free annual membership applies.
2. Add Funds (Charge): Input your planned budget via multiple deposit methods, including bank transfers, credit card payments, and convenience store options.
3. Making Payments (In-store and Online): Use the card at any Visa-compatible terminal; the card type (magnetic stripe or IC chip) determines available payment methods.
4. Review Spending: Immediate notifications post-transaction display available balances and usage history. Automated categorization assists in monitoring monthly budgets with comprehensive monthly reports providing insight into spending habits.

Securiy and Management Infrastructure

• The platform maintains PCI DSS certification through an independent audit to ensure high-security standards for credit card operations.
• An insurance service covers fraudulent transactions up to 100,000 yen within 30 days under specified conditions.
• The operating company, SmartBank Co., Ltd., is registered as a money transfer service provider (Kanto Financial Bureau No. 00084) and is a member of the Japan Payment Service Association.

Contact Information

Please submit any feedback or report issues directly through our support page: https://support.b43.jp/hc/ja/requests/new. We are committed to resolving issues promptly to ensure a smooth user experience.