Press Release

August 28, 2026
DOCOMO SMTB Net Bank, Inc.
Monex, Inc.
NTT DOCOMO Financial Group, Inc.

DOCOMO SMTB Net Bank and Monex Launch Integrated Services

DOCOMO SMTB Net Bank, Inc. (Head Office: Minato-ku, Tokyo; President & CEO: Noriaki Maruyama; hereinafter "DOCOMO SMTB Net Bank") and Monex, Inc. (Head Office: Minato-ku, Tokyo; President and Executive Officer: Yuko Seimei; hereinafter "Monex") today announced the launch of their Automatic Deposit (Sweep) Service on August 28, 2026. The two companies have also begun offering a new functionality that enables customers opening a bank account with DOCOMO SMTB Net Bank to simultaneously apply for a Monex comprehensive securities trading account (the "Securities Account").

The Automatic Deposit (Sweep) Service automatically transfers funds from a customer's DOCOMO SMTB Net Bank account when the available funds in their Monex account are insufficient. In addition, by enabling customers to apply for a Securities Account at the same time they apply for a bank account, the new functionality reduces the burden associated with fund transfers and account applications, providing a smoother experience for both account opening procedures and fund movement between bank and securities accounts.

DOCOMO SMTB Net Bank and Monex corporate logos

Integrated Features and Customer Benefits

Automatic Deposit (Sweep) Service

Automatically Covers Funding Shortfalls When Making Purchases

If a customer has insufficient purchasing power when trading Japanese equities, investment trusts, or other products through Monex, Inc., the required funds will be transferred automatically from the customer’s account at DOCOMO SMTB Net Bank, Inc. In the case of margin trading, the service automatically covers any shortfall in margin collateral.

No Service Fees

The service is available free of charge. It enables smooth fund transfers whenever needed, 24 hours a day, 365 days a year, except during scheduled system maintenance periods.

Online Application and Setup

Customers can apply for the service through the websites of DOCOMO SMTB Net Bank, Inc. and Monex, Inc. Service settings can be configured and reviewed on the Monex, Inc. website.
Customers who apply for a Monex Securities Account at the same time as opening a bank account with DOCOMO SMTB Net Bank, Inc. do not need to complete any additional procedures, as the service is enabled by default.
The service will also be made available through the Monex app in the near future.

Simultaneous Account Opening with DOCOMO SMTB Net Bank, Inc. and Monex, Inc.

Complete Both Account Applications at the Same Time

When applying to open a bank account with DOCOMO SMTB Net Bank, Inc., customers can also apply for a securities account with Monex, Inc. This eliminates the need to submit separate applications and provides a smoother account-opening process.

• ※ A feature enabling customers to apply for a DOCOMO SMTB Net Bank bank account when opening a Monex securities account is also expected to become available in the near future.

※Eligible Branches for the Automatic Deposit (Sweep) Service
The automatic deposit service is available to customers with accounts at the following branches:

Branches named after fruits

• ICHIGO Branch (101)
• BUDOU Branch (102)
• MIKAN Branch (103)
• REMON Branch (104)
• RINGO Branch (105)
• BANANA Branch (107)
• MERON Branch (108)
• KIUI Branch (109)

Branches named after sweets

• DONUT Branch (110)
• COOKIE Branch (111)
• MACARON Branch (112)
• PARFAIT Branch (113)
• CHOCOLATE Branch (114)
• ICE CREAM Branch (115)
• DORAYAKI Branch (116)
• TIRAMISU Branch (117)
• CREPE Branch (118)
• SHORTCAKE Branch (119)

Branches named after marine animals

• Iruka Branch (207)
• KUJIRA Branch (403)
• ASHIKA Branch (507)
• MANBOU Branch (508)

Background of the Initiative

DOCOMO SMTB Net Bank, Monex, and NTT DOCOMO entered into a business alliance agreement in December 2025. By leveraging the services and expertise of the three companies, they have been working to realize a more accessible and user-friendly financial experience.
The services introduced today were developed as part of this collaboration. They are designed to make fund transfers and account-opening procedures between DOCOMO SMTB Net Bank and Monex more convenient and seamless for customers.
Previously, customers who wished to use funds held in their bank accounts for trading through Monex were required to transfer funds manually whenever necessary. With the launch of the Automatic Deposit (Sweep) Service, required funds are automatically transferred when available funds become insufficient, enabling a more seamless connection between bank and securities accounts.
DOCOMO SMTB Net Bank provides a broad range of financial services through its digital banking platform, including deposits, payments, lending, and asset management. Monex, as the only securities company within the NTT DOCOMO Group, offers a wide variety of investment products and financial services.
By seamlessly connecting the services of DOCOMO SMTB Net Bank and Monex and introducing the simultaneous account-opening functionality, the two companies aim to deliver greater convenience to customers, supporting everything from everyday money management to asset building and wealth management.

Benefits of Card, Banking, and Securities Integration

Customers who use DOCOMO SMTB Net Bank, Monex, and the d Card together will be eligible for a range of benefits, including enhanced d POINT reward rates for smartphone-based d Card payments and everyday purchases. These benefits will be introduced in phases.

• ※ Benefits provided by NTT DOCOMO Financial Group, Inc.

Benefit for Using "DOCOMO Bank" as the Direct Debit Account (DOCOMO SMTB Net Bank)

Customers who designate a DOCOMO SMTB Net Bank account as the payment account for their d Card and meet the prescribed conditions will be eligible for a d Payment and d Card point reward rate of up to 3.0% during the first year.

• ※ Note: "DOCOMO Bank" is a retail banking service brand provided by DOCOMO SMTB Net Bank for individual customers.

Monex Benefits

Customers who set up Automatic Deposit (Sweep) between their "DOCOMO Bank" account and Monex account will receive an additional 0.1% reward rate. Furthermore, customers who use either "d Card Investment Accumulation" or "d Payment Balance Investment Accumulation" with monthly contributions of JPY 30,000 or more will receive an additional 1.4%. Combined, customers can enjoy a total bonus reward rate of up to 1.5%.

• ※ Note: Reward rates are subject to applicable terms and conditions.

Company Overview

DOCOMO SMTB Net Bank, Inc.

Monex, Inc.

Important Information Regarding Transactions through Monex

Financial products and other instruments offered by Monex, Inc. involve the risk of loss of principal or losses exceeding the principal amount due to price fluctuations and other factors. Before investing, please carefully read the documents delivered prior to entering into a contract, the relevant prospectus, and other applicable materials.

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Contact

For further information about this press release, please contact:
DOCOMO SMTB Net Bank
Corporate Communications
kouhou_pr@netbk.co.jp

Note: This content has been translated from the Japanese original using artificial intelligence (AI) or machine translation technology for reference purposes only.
In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.

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