What is Direct Service of a bank?
{一般銀行服務是指什麼?}
The banking term of ‘Direct Service‘ (ダイレクト) is the services of deposit, withdrawal, money transfer, payment settlement, etc. general bank account management.
{一般銀行服務（ダイレクト）是指取存款、匯款、付款結算等一般賬戶管理服務。}
In Japan, a bank’s wide range of services with different homepages login sometimes confuse customers. For example, UFJ direct service homepage is separate from its credit card service (MUFG), customers will need to create different user name and password for the related service and so on to other banks of the above.
{銀行不同的服務有機會是在不同的分網站上掛, 例如，UFJ一般銀行服務主頁是與其信用卡服務（MUFG）網站是分開的, 客戶需以不同的用戶名稱和密碼進入所需服務.}
About credit card application
{關於信用卡申請事項}
To get quick and easy credit card approval, you can try to apply for the Yahoo credit card, LINE/SMBC credit card or Rakuten credit card service. For details, please refer to my previous article of BONUS POINT #4 – Where to get the greatest bonus points in Japan? You might find the right card service for yourself there.
{若要輕鬆快速申請到信用卡, 您可以嘗試申請雅虎, LINE/SMBC或樂天的信用卡。詳情請參考我之前的文章, BONUS POINT #4 – Where to get the greatest bonus points in Japan? 您會在那裡找到適合自己的信用卡服務。}
Between, a bank accepting your bank account opening application doesn’t mean that they will approve your credit card issuance, especially for students or someone who cannot show they have a good financial background support, their applications may fail in the end.
{另外, 銀行接受閣下的開戶申請並不代表一定會批核您的信用卡發行, 尤其是學生或一些沒有良好財務背景的朋友, 申請可能不被批核。}
About the popularity of e-payment service
{電子支付平台的普及}
Nowadays, other than cash, debit or credit cards, it still has a few popular e-payment applications in Japan such as LINE Pay, PayPay (with English version). Those payment methods are mainly for small amount of purchase or bills payment. The application connects with the user’s bank account, it brings user’s a convenient and happy usage experience.
{現今日本, 除了用現金, 轉帳卡和信用卡, 還有一些非常流行的電子支付方式，如LINE Pay、PayPay（有英文行動版）。 這些支付平台主要是針對小額賣買或繳交公共開支, 電子支付的應用程序通常透過與用戶的銀行賬戶連接而給用戶帶來便利的使用效果。}
In general, since the popularity of the e-payment methods above makes trade easier, it shouldn’t be a concern of you about the banking charges of 100 yen each time on ATM withdrawal.
{總括而言, 由於這種電子支付平台的普及, 使小額交易變得更加容易，您亦無須擔心每次ATM取款時所收取的100日元手續費了。}
This article was first published on 6.20.2020
文章最初揭載日期為 6.20.2020
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