北國クラウドバンキングアプリ

Description

This is a smartphone app for Hokkoku Bank's internet banking service, ``Hokkoku Cloud Banking.''
This app not only allows you to perform normal Hokkoku Cloud Banking transactions such as balance/deposit/withdrawal details inquiries, transfers, etc., but also features features unique to the app (smart approval, biometric authentication*login).
With the app, you can use Hokkoku Cloud Banking more easily and safely.
*Only for models that support fingerprint authentication.

■Features of the app
・Easy operation and improved security with smart approval!
・Easy login with biometric authentication!

■Main functions
・Smart approval
・Biometric authentication login
・Balance list
・Deposit/withdrawal details inquiry
·transfer
·transfer
・Payment service (Pagey)
・Time deposit
·Foreign currency deposits
・Investment trust
·loan
·address change
others

■Loan
Hokkoku Card Loan DAY SMART
・No need to visit the branch, you can apply 24 hours a day from the Hokkoku Cloud Banking app
・You can use it as you like, borrowing and repaying whenever you like
・You can borrow from Hokkoku Bank ATMs as well as affiliated ATMs and convenience store ATMs nationwide.
・Maximum amount: 3 million yen, annual interest rate: 5.0% to 9.5%
・Finance period: 1 year (automatic renewal)
・Repayment method: Repayments will be made automatically from your repayment savings account on the 10th of each month. You can also make repayments at any time using our bank's ATMs, partner ATMs, or Hokkoku Cloud Banking (*1).
*1 You can use Hokkoku Cloud Banking by signing up for Hokkoku Cloud Banking and registering the Hokkoku Card Loan DAY SMART account and the account you wish to transfer (withdraw) in advance as your account.

*Information as of September 1, 2023.
*Please refer to the link below for the latest loan product overview.
https://www.hokkokubank.co.jp/manual/pdf/loan_daysmart.pdf
*Depending on the screening results, we may not be able to accommodate your request.

Hokkoku Free Loan SMART SEVEN
・No need to visit the branch, you can apply 24 hours a day from the Hokkoku Cloud Banking app
・You can use it in any way you want, and it can be used in various situations according to your life plan.
・Maximum loan amount: 3 million yen, annual interest rate 3.0% to 8.0%
・Finance period: Within 7 years
・Click here for simulation
https://www.hokkokubank.co.jp/bin/simulate/bin/si_s7.cgi
・Repayment method: Equal monthly repayments of principal and interest (principal repayment amount + interest payment amount). As you repay the principal, your loan balance will decrease and the amount of interest you will pay will also decrease, but by increasing the principal repayment amount, your monthly repayments will be equalized. I'll make it.

*Information as of September 1, 2023.
*Please refer to the link below for the latest loan product overview.
https://www.hokkokubank.co.jp/manual/pdf/IB_loan_smartseven.pdf
*Depending on the screening results, we may not be able to accommodate your request.


■How to use
・To use this app, a separate application for Hokkoku Cloud Banking is required.
・Please check the recommended environment (OS) for this app on the Hokkoku Bank website before downloading.
https://www.hokkokubank.co.jp/customer/cloudbanking/
*If you use a smartphone that does not have the recommended environment, you may not be able to use it. In addition, even if it is within the recommended environment, it may not work properly depending on the usage environment of the smartphone.

■About push notifications
This app will notify you of requests for approval of eligible transactions such as transfers, as well as various guidance from Hokkoku Bank, through push notifications. Please set the push notification setting to "Allow (ON)". Push notification settings can be changed using the "Settings" app on your smartphone.

■Contact information
Hokkoku Cloud Banking Support Desk
0120-508-789
Reception hours/9:00-17:00 (closed during Golden Week and New Year holidays)