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Help Center > How-to Guidelines > How to Deposit

How to Deposit

3 ways to deposit

1
Via your online bank account on the Smiles app (no need to report deposit)
Smiles Virtual Bank Account
See guidelines
2
Via the ATM using the card you ordered from Smiles
Smiles Card
See guidelines
3
Via your bank account (not online banking) in Japan
Yucho Direct / ATM / Counter​
See guidelines



How to deposit via
Smiles Virtual Bank Account

What is Smiles Virtual Bank Account?

How does it work?

1. Tap “Remit” and then “Deposit” on the home screen
2. Select “Smiles Virtual Bank Account”
3. Tap “Create account for free”
4. Review “Important Notes” and tap “Create now”
5. Your Smiles Virtual Bank Account will instantly be created. Going forward, you will continue to transfer to it from your bank account and money will automatically be deposited into your Smiles Wallet.



How to deposit via
Smiles Wallet Card

What is Smiles Wallet Card?

smiles wallet card smiles premium card

Directly deposit to your Smiles Wallet via ATM!

No need to input receiver details every time!
See card features

How does it work?

1. Tap “Deposit” on Home
2. Select “Smiles Wallet Card” and tap ”Order Smiles Wallet Card”
3. Tap “Order” for the card you prefer
4. Tap “Confirm order” and your card will be on its way
5. Once you receive your card, visit any Yucho (Japan Post) Bank ATM to make deposits.


How to deposit via
Yucho Direct / ATM / Counter​

How does it work?

Step 1
bank

Deposit from any bank account in Japan

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Step 2
report

Report your deposit

Step 1

Bank Details

Input the bank details shown below to make a transfer via your bank account.

smile payment partner bank youcho
Bank Name:
ゆうちょ銀行
Code Number:
10100
Account Number:
5171049
Account Name:
カ)デジタルワレット
smile payment partner bank mizuio
Bank Name:
ゆうちょ銀行
Code Number:
〇一八(ゼロイチハチ)
Account Type:
普通
Account Number:
5171049
Account Name:
カ)デジタルワレット
tori-reading

Smiles Tips!

down-up-arrow

You can check from the Smiles app too!

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Step 2

Report deposit

1. Tap “Report deposit”
2. Upload deposit receipt, input/select other details and tap “Submit”
3. Tap “OK” to complete
*PLEASE DO NOT REPORT AGAIN

Watch guidelines video

FAQs

For deposits coming from Yucho (Japan Post) Bank accounts: as long as the transaction is done within business hours, the deposit will be funded within 15-20 minutes after reporting the deposit.

For deposits coming from other Japanese bank accounts: if your transaction is done within business hours, the deposit will be funded within 15-20 minutes after reporting the deposit. However, if the deposit is sent after banking hours and during weekends, the processing may take place the next business day.

For deposits using the Smiles Wallet Card: the amount transferred will be funded automatically to the app's digital wallet balance without reporting the deposit.

No, Smiles does not accept credit card payments. All transactions must be done via bank transfer or Smiles Card.

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.

Other guidelines

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