No, you will not receive change after your transaction. Fees will directly be deducted from the amount you deposit/remit.
No, you are not allowed to use someone else’s bank account to deposit to your app’s digital wallet. You can only use either your own assigned Smiles Wallet Card or any of your Japanese bank accounts.
No, Smiles does not accept credit card payments. All transactions must be done via bank transfer or Smiles Card.