Deposit to your Balance using your Kyodai Smart Card

WHAT IS THE KYODAI SMART CARD?

The KYODAI Smart Card is a card to deposit money directly to your balance in your KyodaiApp

with just ONE ATM FEE deposit for one or several transactions.

Using your KyodaiApp, you can make a money transfer order to 1 or more of your beneficiaries. 

The deposit service is available at Japan Post Bank ATMs and Lawson Bank ATMs nationwide.

The smartest way to transfer money

HOW TO REQUEST YOUR KYODAI SMART CARD

This card is requested exclusively from your KyodaiAPP

WHERE CAN YOU USE  YOUR KYODAI SMART CARD

First, you need to deposit money into your balance:

NOTE: More details of the ATM usage are below.

You can send money in any of the 32,000 ATMs of the Japan Post Bank.

Please click the next link to see the Japan Post ATM’s locations (only in Japanese)

Japan Post Bank’s ATM service fee with the KYODAI Smart Card*:

*ATTENTION: ATM transaction fee will be updated effective April 1, 2026. Please check the link

LAWSON BANK ATM SERVICE

Now you can also use your KYODAI Smart Card in any Lawson Bank ATM.

Lawson Bank has more than 13,000 ATMs across Japan, which work 

24 hours a day, 365 days a year

Due to maintenance reasons, you might not be able to use your cards. 

Please click the next link to see the Lawson Bank ATM’s locations (only in Japanese)

Lawson's ATM service fee with the KYODAI Smart Card*:

*ATTENTION: ATM transaction fee will be updated effective April 1, 2026. Please check the link

HOW TO SEND MONEY

Then go to your KyodaiApp and once the balance is updated, click on send money now, and select your beneficiary or beneficiaries to make the remittance.

IMPORTANT POINTS:

• The KYODAI Smart Card is only for charging your balance in the KyodaiApp. 
• Only the cardholder of the KYODAI Smart Card can use it.  To do so, they must be registered as KYODAI Remittance customers, as it is stipulated in the International Remittance Transaction Terms.
• KYODAI Remittance Money Transfer Fee is applied separately for each receiving country.
• Only bills can be deposited into the ATM. 
• The Remittance will be made after deducting the KYODAI Remittance Money Transfer Fee and ATM fee.  You can check the Fee table  here
• The limits of sending money depend on the receiving country. 
• Please inform KYODAI Customer Service when your card is missing, stolen, or damaged.