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SM

Sumitomo Mitsui Trust Bank

Japan · JPY · Asia-Pacific

Visit Sumitomo Mitsui Trust Bank's Website

Fee Score

73.7

Japan Rank

#9 of 11

#95 of 100 in Asia-Pacific

Last Verified

September 2026

Fee data reviewed and refreshed September 2026.

Fee data audited quarterly (Latest audit: Q3 2026).

Audit trail — every fee, sourced.

Monthly Account Fee

Verified

Free

Published in the bank's standard fee schedule.

Source: Official price list · Last verified September 2026

Domestic ATM Withdrawal Fee

Verified

€0.61

¥107.20 in local currency

Published in the bank's standard fee schedule.

Source: Official price list · Last verified September 2026

International ATM Fee

Verified

€1.19 + 2.87%

¥209.35 + 2.87% in local currency

Hidden

Disclosed fixed charge per withdrawal abroad.

Source: Official price list · Last verified September 2026

International Card FX Fee

Estimated

2.97%

Hidden

Applied silently on the card statement, rarely disclosed upfront.

Source: Rate-card analysis · Last verified September 2026

International Wire Transfer Fee

Verified

€33.42

¥5,888 in local currency

Published outgoing SWIFT/wire transfer charge.

Source: Official price list · Last verified September 2026

Currency Exchange Rate Spread

Estimated

1.47%

Hidden

The margin the bank adds to the mid-market exchange rate — the classic hidden fee.

Source: Market FX benchmark · Last verified September 2026

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