Sumitomo Mitsui Trust Bank

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Earn miles through fixed term deposits, etc!

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Service is available in Japanese only.

Mileage Accrual

Earn miles from "Good Select" (variable or fixed interest) structured deposits.

You can receive 100 miles for every JPY 500,000 deposited in a "Good Select" (variable or fixed interest) structured deposit account.
Earn miles from fixed term foreign currency deposits.

You can receive 100 miles for every JPY 500,000 deposited in a fixed term foreign currency deposit account.

There are risks and fees involved in fixed term foreign currency deposit accounts. Please make sure to thoroughly read the points to note.

The points to note regarding fixed term foreign currency deposits can be viewed here. (Text is available in Japanese only.)
Earn miles from investment fund purchases.

You can receive 20 miles for every JPY 100,000 of investment fund purchases (excluding NISA accounts, fee-less purchases, and discretionary investment management products).

There are risks and fees involved in purchasing investment funds. Please make sure to thoroughly read the points to note.

The points to note regarding investment funds can be viewed here. (Text is available in Japanese only.)
Earn miles by signing up for a new home loan.

You can receive 800 miles for every JPY 10,000,000 of loan value when signing up for a new home loan.

Mileage Accrual Eligibility

Customers who have ANA Mileage Club Cards or ANA Cards which are issued by All Nippon Airways Co., Ltd.
Customers who have a Sumitomo Mitsui Trust Bank "Your Partner" consolidated account (bankbook-less) or have opened one when joining ANA Sumitomo Mitsui Trust Bank Money Club.
Customers who have applied to join ANA Sumitomo Mitsui Trust Bank Money Club by completing their application form with a valid ANA Mileage Club membership number.
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  A copy of the relevant ANA Mileage Club Card or ANA Card must be submitted with the application.
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  Cards which have "ANA CARD" printed on the front side are referred to as ANA Cards.

How to Accrue Miles

Earn miles from "Good Select" (variable or fixed interest) structured deposits.

Eligible Products: "Good Select" (variable or fixed interest) structured deposits (2, 3, or 5 years)
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  The minimum deposit amount is JPY 100,000.
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  Return of principal is guaranteed.
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  Deposit insurance is applicable. A principal of up to JPY 10,000,000 in deposit insurance-applicable deposits (excluding checkable deposits) and its affiliated interest is covered per account holder.
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  In principle, early termination is not permitted. Early termination is only permitted in cases which Sumitomo Mitsui Trust Bank determine to be unavoidable.
Mileage Accrual: 100 miles for every JPY 500,000 deposited in a "Good Select" (variable or fixed interest) structured deposit account (amounts are rounded down)
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  Deposit amounts from multiple accounts cannot be combined.
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  A maximum of 800 miles can be accrued per month.
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  Early terminations of "Good Select" (variable or fixed interest) structured deposits are not eligible for mileage accrual.
Mileage Accrual Timing: Depending on the deposit date, by the last day of the month either 1 or 2 months after the deposit month.
Mileage Accrual Conditions: For deposits after joining the ANA Sumitomo Mitsui Trust Bank Money Club, miles will be accrued for each deposit.

Earn miles from fixed term foreign currency deposits.

Eligible Products: Fixed term foreign currency deposits (USD, EUR, AUD, NZD, GBP) (1, 3, or 6 months or 1 year)
Mileage Accrual: 100 miles for every JPY 500,000 deposited in a fixed term foreign currency deposit account (amounts are rounded down)
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  Deposit amounts from multiple accounts cannot be combined.
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  A maximum of 800 miles can be accrued per month.
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  Early terminations of fixed term foreign currency deposits are not eligible for mileage accrual.
Mileage Accrual Timing: Depending on the deposit date, by the last day of the month either 1 or 2 months after the deposit month.
Mileage Accrual Conditions: For deposits after joining the ANA Sumitomo Mitsui Trust Bank Money Club, miles will be accrued for each deposit.
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  Returns from foreign currency deposits can be negatively affected by forex market fluctuations and there is a possibility that they may be lower than the original principal (JPY). They also are not eligible for return of principal guarantees or the Japan investor protection fund.
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  The minimum deposit amount for a fixed term foreign currency deposit is 1,000 currency units.
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  The deposit amount for a fixed term foreign currency deposit is calculated with the Yen Telegraphic Transfer Middle Rate (TTM) that is quoted by Sumitomo Mitsui Trust Bank at the end of the deposit month. (Please note that this amount is different from the Yen amount on the actual deposit date.)

There are risks and fees involved in fixed term foreign currency deposit accounts. Please make sure to thoroughly read the points to note.

The points to note regarding fixed term foreign currency deposits can be viewed here. (Text is available in Japanese only.)

Earn miles from investment fund purchases.

Eligible Products: Investment funds which are handled by Sumitomo Mitsui Trust Bank*
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  Some products, such as those purchased with NISA accounts, fee-less purchases, and discretionary investment management products are not eligible.
Mileage Accrual: 20 miles for every JPY 100,000 (including fees and taxes) of investment fund purchases (amounts are rounded down)
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  Purchases of multiple funds cannot be combined.
Mileage Accrual Timing: Depending on the trade date,* by the last day of the month either 1 or 2 months after the deposit month.
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  The term "trade date" as used in the context of this service is defined as the date on which the standard price for the investment fund is established.
Mileage Accrual Conditions: For trades after joining this club, miles will be accrued for each purchase amount. Cancellations of initial subscription applications are not eligible for mileage accrual.

There are risks and fees involved in purchasing investment funds. Please make sure to thoroughly read the points to note.

The points to note regarding investment funds can be viewed here. (Text is available in Japanese only.)

Earn miles by signing up for a new home loan.

Eligible Products:

Home loans offered by Sumitomo Mitsui Trust Bank (excluding some loan products)
Mileage Accrual:

800 miles for every JPY 10,000,000 of loan value (amounts are rounded down)
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  If a customer signs up for multiple loans, the total value for all loans will be calculated.
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  Loan values of less than JPY 10,000,000 are not eligible for mileage accrual.
Mileage Accrual Timing:

Depending on the first loan execution date, by the last day of the month either 1 or 2 months after the execution month.
Mileage Accrual Conditions:

Miles will be accrued for the first loan execution after joining this club.

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Regardless of the loan value or number of loans, only the first loan execution month is eligible for mileage accrual.
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Customers must designate a home loan repayment account through their Sumitomo Mitsui Trust Bank "Your Partner" consolidated account.

Notes

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Details and conditions for the ANA Sumitomo Mitsui Trust Bank Money Club member benefit above are current as of January 4, 2016.
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The member benefit above is reviewed each March and September, with any revisions being applicable from April 1 and October 1, respectively. Please confirm via the Sumitomo Mitsui Trust Bank website.

Fixed term deposits

Based on deposit date.

Investment funds

Based on trade date.*

*The term "trade date" as used in the context of this service is defined as the date on which the standard price for the investment fund is established.

Loans