News 500 yen Is savings already old?Deposit with banks in banks is negative in terms of commissions, and what should be made in the future?

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It is a scene that is not unusual for a long time ago to deposit with a bank if you accumulate coins, such as 500 yen coin savings and pocket money stored in a piggy bank. [Chart] How many fees do you have to exchange large coins? I have always been particular about "quick payment at the store", so I don't want to spread my wallet in front of the cash register, spend time, and put out the coins exactly according to the payment amount, so I put out bills. I was going to get a change. Cashless, of course, as soon as possible, when Edy and Suica as electronic money came out, they started to use them as soon as possible, and when the mobile Suica app appeared on the mobile phone (so -called Garakae), it was set on the day. That's why I tended to accumulate coins in my house, and I had a small change once every few years to go to the bank for deposits. However, it is now in a world where coins cannot be stored at home.

In an era where a commission is charged for depositing large amounts of coins

Starting with Sumitomo Mitsui Banking Corporation in December 2019, in April of 2020, Mizuho Bank, Mitsubishi UFJ Bank, etc., and local banks also set up a new “mass coin handling fee”, and deposits in large amounts of coins.There is a fee for a commission.In one example, if you deposit 1000 coins as follows, Sumitomo Mitsui Banking Corporation and Mitsubishi UFJ Bank will be charged a fee of 1100 yen, and Mizuho Bank will cost a 1320 yen commission and become negative.Even if 10 yen coins are deposited and it costs 10,000 yen, a fee of 10 % or more is charged for 1100 yen or 1320 yen, so the interest rate of ordinary deposits is 0 per year due to ultra -low interest rates..If you think about 001 %, a fee of 10,000 times the interest rate will be charged.

Now the free Japan Post Bank is finally charged

Even now, Mega Bank and Regional Banks have a fee for handling large amounts of coins all over the place, and Japan Post Bank has no commissions.That was the announcement of July this year, and the coin handling fee will be newly established from January 17, 2022.The coin handling fee at the Japan Post Bank window is as follows.The number of free fees is up to 50, which is less than other banks.If you have a large amount of coins at home and want to deposit it in a bank, you should leave it to Japan Post Bank by January 17, 2022.However, processing a large amount of coins is a time -consuming task, so avoid congestion days and crowded hours, and make sure to contact them in advance, as stated on the Japan Post Bank page.