Unregistered Transfers - Transfers to Other Unregistered Bank Accounts in Japan

	During your session, please do not use Browser Back Button and use "Back" or "Cancel" button inside Citibank Online.

Use the "Unregistered Transfers - Transfers to Other Unregistered Bank Accounts in Japan" option when you want to send money to someone who is not on your Payee List (and who has an account at a financial institution in Japan other than Citibank). Below are instructions for using this service.

Request One Time Password

Click "Proceed” to Request One Time Password".

To transfer funds to an unregistered payee, you will need to acquire a One Time Password.
When you click "Proceed” to request One Time Password", a One Time Password will be sent to your registered email address.

*	A One Time Password is valid for 1 hour and 4 transactions from the time it is sent.

You need to register for the One Time Password Service before you can request an OTP. To register, select "Register for One Time Password Service" from the "Fund Transfers" menu. Follow the link below for more details.

Registering for the One Time Password Service

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Enter One Time Password

Enter the OTP that was sent to your registered email address.

Confirm the One Time Password you entered, then click "Next".

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Select debit account

From the list of your accounts that appears, select the account that you want the funds to be taken from.

Choose a debit account from among your deposit accounts. It may be any of the following types of accounts.

• [Yen Savings Account]
• [e-Savings Account]
• [MultiMoney Savings Account]

*	Only the accounts you hold will appear as options.
*	The remitter name shown will be your account holder name.
*	You cannot change the remitter name.

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Specify beneficiary's bank type

Select the type of financial institution from the list.

Type in the name of the financial institution.

Citibank Online will search for financial institutions matching what you entered and display them on the next screen.
Type at least the first letter of the name of the financial institution.

＜Types of Eligible Financial Institutions＞

*

The following financial institutions are classified as the types shown below. ・The Shinkumi Federation Bank (Zenshinkumiren), The Resolution and Collection Corporation ⇒ Credit cooperative ・The Rokin Bank ⇒ Workers credit union / labor bank ・Credit Federation of Agricultural Cooperatives ⇒ JA / Japan Agricultural Cooperatives ・Credit Federation of Fisheries Cooperatives ⇒ JF / Japan Fisheries Cooperatives ・Japan Post Bank ⇒ Bank

Click "Next".

A list of financial institutions with names that match what you entered will appear.

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Select branch of payee's bank

Enter the name of the payee's branch in the textbox.

The branch that corresponds to the name you enter is identified and displayed on the next screen.
Enter the name of the branch in single-bye or double-byte characters. You may choose to just use the first few letters. (For Japan Post Bank branches, you can enter the branch number instead.)

Click "Next".

The branch that corresponds to the name you entered is displayed on the next screen.

Select the branch name from the list that appears on the next screen.

If you are transferring funds to a Japan Post Bank account, please confirm the payee's branch name and account number. Because Japan Post Bank uses a "code" and "number" instead of the usual "branch name" and "account number", to transfer funds you must first obtain the "branch number" and "account number" converted from the "code" and "number" of the account at Japan Post Bank.

Specifying a Japan Post Bank branch name

• Entering the branch number
  Enter the first few digits of the branch number in one-byte or two-byte characters.
• Converting the branch number into Japanese numeric characters and entering the name in the katakana alphabet.
  Convert the branch number into Japanese numeric characters and enter the first few characters in one-byte or two-byte katakana.
  
  Click to learn more about Transferring funds to Japan Post Bank accounts

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Enter beneficiary account information

Select the beneficiary’s account type.

In order to make a fund transfer to Japan Post Bank (Yucho bank), please select the account type as below:

• Ordinary deposit → Yen Savings
• Transfer Savings Account → Checking
• New ordinary deposit → Chochiku

Please enter the beneficiary's account number.

Please enter an account number with no more than 7 digits and ensure to use one byte numbers only.

Please enter the transfer amount in Yen.

Enter the transfer amount in single-byte numbers without Yen marks or commas.

In order to make a fund transfer to Japan Post Bank (Yucho Bank), please review the beneficiary account number that you will be transferring to, since the previous proprietary code (Bangou) are now converted to Japan Post Bank Code.

Fund Transfer to Japan Post Bank

The name on the payee's account will automatically appear, based on the information you enter.
However, in the following cases, you will need to enter the payee's name.

• If you have checked the name of the payee more than the prescribed number of times without completing the transfer.
• If you are making the transfer outside of the hours in which it is possible to check the account.

Different financial institutions set different hours during which payee accounts may be verified. Please refer to the table provided below.

＜Beneficiary Payee Account Verification Hours＞

Click “Next”

Please click “Next” after entering payee’s name when the payee information field is displayed.

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Register beneficiary payee

To register the payee on your Payee List, check the box.

Payees (recipients) included on your Payee List are displayed in alphanumeric characters.

*	The payee will be registered when the transaction is complete.
*	You do not need an OTP for Transfers to Registered Payees.

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Enter transfer amount

Enter the transfer amount in Japanese Yen.

Make sure to use only one-byte characters.
Do not include commas or the yen symbol (¥).

*	If you have registered a mobile phone email address as the address for receiving your One-Time Password (OTP), the amount that you can transfer on any business day (between 6:30 and 2:30 the following day) is between 1,000 yen and 4 million yen, excluding commissions.
*	If you have registered a PC email address as the address for receiving your OTP, the amount that you can transfer in any business day (between 6:30 and 2:30 the following business day) is between 1,000 yen and 2 million yen, excluding commissions.
*	Daily limit of domestic fund transfers is up to 15 transactions per business day.
*	To access the Transfers to Unregistered Payees menu, you need to enter an OTP.

Click "Next".

If a text field for entering the payee name appears, please enter the payee name and then click "Next" again.

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Confirm details

The information you entered in Steps 3 - 8 appears.

Be sure to check that the payee name and the transfer amount are correct.
The total debit is the sum of the amount transferred to the payee and service charges.

Confirm the information, and if there are no errors, click "Make This Transfer".

If you want to change something you have entered, click "Back".

*	Once you have requested a transfer, you cannot undo it.

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Complete transfer

The details of the transfer appear.

*	The balance shown for your debit account will be updated after the transfer is completed.

Now you can continue to another operation.

To make another transfer, click "Make Another Transfer".

To print out your transaction record, click "Print".

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Transferring funds to Japan Post Bank accounts

• You can transfer funds to the following types of Japan Post Bank accounts: ordinary savings, regular savings deposits, and transfer deposits.
• When transferring funds to Japan Post Bank accounts, the "code" needs to be converted to a branch number and the "number" needs to be converted to an account number.

How to convert to branch names and account numbers for fund transfers

1. Ordinary savings and regular savings deposits

• For the branch number, identify the second and third digits of the "code". Add the number "8", and this becomes the branch number.
• For the branch name, convert the branch number to Japanese numeric characters.
• The account number is the "number" without the final "1".

Example with a "Code" of 12340 and "Number" of 12345671

2. Transfer Deposits

• For the branch number, identify the second and third digits of the "code". Add the number "9", and this becomes the branch number.
• For the branch name, convert the branch number to Japanese numeric characters.
• The account number is the "number" with "0" added as the first digit.

Example with a "Code" of 1230 and "Number" of 123456