Smart Rate
More value in every transfer.
What is Smart Rate?
Smart Rate offers a better exchange rate when you send money with the Ria Kyodai App.
How to get Smart Rate?
1. Register on the Ria Kyodai App.
Create your account and start using the app.
2. Top up your balance in your Ria Kyodai App with:
3. Send money to your recipient
Make your remittance directly in the app using your balance.
That’s it!! You will automatically get the Smart Rate.
Which countries is the Smart Rate available in:
- Bangladesh
- Nepal
- Peru (only for USD payment)
- Valid only when sending through the Ria Kyodai App.
- Not applicable to transactions at counters or to those processed manually by staff.
- Due to exchange rate fluctuations, this cannot always be guaranteed to be better than ordinary rates.
How to Send Money with KyodaiApp?
How do I request the Smart Card?
Frequently Asked Questions
Terms and Conditions
Smart Rate
1. Eligibility
- This scheme is available only to customers who are registered users of the Ria Kyodai App.
- Customers must complete registration and maintain an active account in the Ria Kyodai App to participate.
2. Applicable
- The Smart Rate applies exclusively to remittances sent from Japan to Nepal, Bangladesh, and Peru (USD only).
- The Smart Rate may vary depending on destination and delivery method.
3. Usage Requirements
- Customers must use their balance to initiate and complete the remittance transaction.
- To qualify for the Smart Rate, the remittance must be sent directly by the customer via the balance.
- Transactions conducted at branches, counters, or via third parties are not eligible.
4. Funding Method
- Customers must load funds (balance) into the account using the Kyodai Smart Card, Denshin Furikomi (to my balance), or Seven Bank QR Code.
- Only transactions funded through the balance are eligible for the Smart Rate.
5. Rate Application
- The Smart Rate will be applied only when all conditions stated above are met.
- The applicable exchange rate will be displayed within the Ria Kyodai App at the time of the transaction.
- Kyodai reserves the right to determine and update the Smart Rate at its discretion.
6. General Conditions
- Kyodai reserves the right to modify, suspend, or terminate this scheme at any time without prior notice.
- Any misuse, abuse, or fraudulent activity may result in disqualification from the scheme.
- All transactions are subject to Kyodai’s standard remittance terms, compliance checks, and applicable regulations.