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Deposit Taking

Personal Yen Deposits

China Construction Bank (hereinafter referred to as “the Bank”) provides Yen deposit services for individual customers (foreign customers are restricted to residents in Japan whose visa validity period is longer than 6 months).

Yen deposits include Yen savings deposit and Yen time deposit. You can open an account in our bank and deposit Yen, upon presentation of your valid identity certificate with your picture (such as residence-card, Japanese passport or driving license) and proof of fund/income.

Account Statement are sent by mail to your registered address on a monthly basis if there is any account movement in the month , in addition to Transaction details supplied at the counter of our branch.

Product

Yen Savings Deposit

Yen Time Deposit

Available To

Individual Customers

Available Term

No fixed deposit term

1 , 3 , 6 month(s), 1 year

Making Deposits

Any time

Total amount should be deposited one time

Minimum Deposit Amount

JPY1,000

JPY10,000

Unit of Deposit

One Yen ( JPY1 )

Withdrawals

Any time

After maturity date

Interest rate

Savings deposit interest rate

Time deposit interest rate on the date of deposit.

Interest Payment Method

Paid on every Feb 20  and Aug 20

Paid after maturity date

Interest Calculation Method

Calculated daily, based on 365 days a year.

Interest Payment Unit

One Yen ( JPY1 )

Interest Tax

Interest is subject to a 20.315% withholding tax.

Service Charge

Free

Cancellation  Before the Maturity Date

-

The interest from the deposit date to the cancellation date will be calculated on the Yen Savings deposit rate on the date of cancellation.

Other Conditions

1.This deposit is not covered by Japan's Deposit Insurance.  Final solvency of deposits is supported by whole China Construction Bank Corporation (CCB).  CCB is supervised by China Banking Regulatory Commission.

2.Deposit and withdrawal is restricted to the branch of the Bank in Japan.

3.Applicable interest rate for Yen Saving Deposit may be changed according to market conditions without notice and the new rate will be applied from the date on which the rate is changed.

4.Interest rate on the maturity date will be applied for Automatic renewal of Yen Time Deposit.

5.In case the interest payment day is a non-business day, the interest will be paid on the next business day.

6.Any changes of registration should be noticed to the Bank in writing and come into effective after we confirm.

 

Individual Foreign Currency Deposits

The Bank provides foreign currency deposit services for individual customers (foreign customers are restricted to residents in Japan whose visa validity period is longer than 6 months). 

Foreign currency deposits include foreign currency savings deposit and foreign currency time deposit. You can open an account in our branch and deposit upon presentation of your valid identity certificate with your picture (such as residence-card, Japanese passport or driving license). 

Foreign currencies cash is not accepted and customers could exchange via Yen account and then deposits.

Account Statements are sent by mail to your registered address on a month basis if there is any account movement in the month, in addition to Transaction details supplied at the counter of our branch.

Product

Foreign Currency Savings Deposit

Foreign Currency Time Deposit

Available to

Individual Customers

Available Currencies

USD, EUR, CNY

Avail Term

No fixed deposit term

1 , 3 , 6 month(s), 1 year

Making Deposits

Any time

Total amount should be deposited one time

Minimum Deposit Amount

USD (EUR, CNY) 1.00

USD (EUR, CNY) 1.00

Unit of Deposit

USD (EUR, CNY) 0.01

Withdrawals

Any time

After maturity date

Interest Rate

Savings deposit interest rate

Time deposit interest rate on the date of deposit.

Interest Payment Time

Paid on every Feb 20  and Aug 20

Paid after maturity date

Interest calculation Method

Calculated daily, based on 365 days a year.

Calculated daily, based on 360 days a year.

Interest Payment unit

USD (EUR, CNY) 0.01

Interest Tax

Interest is subject to 20.315% withholding tax.

Foreign exchange income are regarded as miscellaneous income for individual customers under the Japanese tax laws.

For more information, please contact certified accountants or tax advisors.

Service Charge

Depending on deposits method.  Please consult our bank.

Cancellation  Before the Maturity Date

-

Not accepted

Foreign currencies deposit risk

Yen-equivalent value of the deposited foreign currency amount may rise or fall due to foreign exchange fluctuations.  The rate at which Yen is converted into foreign currency (TTS rate) and vice-versa (TTB rate) each includes a foreign exchange commission set by the Bank.  As a result, the amount in Yen, including interest, you receive may be less than the amount in Yen at the time of deposit, resulting in a loss of principal.  Even if the foreign exchange rate remains the same during the deposit term, loss of principal and interest may occur due to the foreign exchange commission.

Deposit Insurance

Foreign currency deposits are not covered by any deposit insurance.  Final solvency of deposits is supported by whole China Construction Bank Corporation (CCB).  CCB is supervised by China Banking Regulatory Commission.

Foreign Currency Cash

Foreign currency cash are not accepted for deposits or withdrawals at the bank.

In case of significant Exchange-rate Fluctuation

The bank may determine that some currencies are not available due to significant exchange-rate fluctuation.

Other Conditions

1.Deposit and withdrawal is restricted to the branch of the Bank in Japan.

2.In case the interest payment day is a non-business day, the interest payment will be paid on the next business day.

3.Applicable interest rate for Foreign Currency Savings Deposits will be changed according to market conditions without notice and the new rate will be applied from the day on which the rate is changed.

4.Automatic renewal will not be applied for Foreign Currency Time Deposits.

5.Any changes of registration should be noticed to the Bank in writing come into effective after we confirm.

If there is any discrepancy in the above content, please refer to Japanese version.

 

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