家計簿B/43:シンプル&人気のAIレシート入力で簡単管理 19.0.1

Overview of B/43

• B/43 combines a budgeting application with a Visa prepaid card, offering a new service for managing expenses.
• Users can charge their monthly budget onto the card for daily payments, which are automatically recorded and visualized, simplifying continuous expense management.
• This service assists those who struggle with spending control, enabling them to stay within their monthly budgets.

Types of B/43 Cards

Three card types are available to meet varying needs, all accessible through one application.

• B/43 Pair Card: Ideal for couples or families, this card allows two individuals to share a single account balance without the necessity of a marital relationship.
• B/43 My Card: Perfect for those new to independent living or budget management, this card is suited for managing household expenses or personal allowances.
• B/43 Junior Card: An excellent first card for children, issued upon parental application and usable without a smartphone.

Key Features of B/43

• Convenient Application Process: Users can apply for a Visa prepaid card entirely through the app and utilize it at any Visa-affiliated merchant, including convenience stores and online shops.
• Clear Payment Statements and Balance Checks: The app provides an overview of current balances and payment history, along with past balance trends depicted in graphs to identify excessive spending.
• Real-Time Payment Notifications: Users receive immediate push notifications upon transactions, aiding in the prompt detection of unauthorized usage.
• Monthly Expense Reports: Automatic categorization of monthly expenses with graphical representation facilitates easy tracking of spending habits.
• Budget Management Made Simple: Monthly budget settings allow straightforward balance monitoring with the option to categorize budgets for better visibility in future planning.
• Pocket Functionality for Goal-based Money Management: This feature enables users to manage funds according to specific purposes, further enhancing saving strategies.
• Cash Withdrawal at Seven Bank ATMs: Users can withdraw cash nationwide at affiliated ATMs, subject to fees.
• Flexible After-Payment Charging Option: Funds can be deposited from the current month until the end of the next month, within specified limits and subject to partner company review.

Recommended For:

• Individuals finding traditional budgeting methods cumbersome or difficult to maintain.
• Those managing cash through physical envelopes or other manual systems.
• People seeking a rough estimating method for monthly living expenses.
• Users looking to save time when withdrawing cash from fee-free ATMs.
• Individuals grappling with installment or revolving payments seeking alternatives.
• Those lacking clear insight into spending habits or remaining balances.
• Those sharing finances with partners or housemates using cash methods.
• Individuals frequently engaging in reimbursements among friends or family members.

B/43 Usage Steps:

• Step 1: Quick Registration via App: Registration is straightforward within the app and takes as little as five minutes. The card is mailed directly to the user, with no age restrictions or annual fees involved.
• Step 2: Fund Your Card: Users can deposit money based on their pre-set budget through various means including bank transfers and cash payments.
• Step 3: Use Your Card for Payments: The B/43 card is usable for both in-store and online purchases at any Visa-compatible payment point, accommodating different card types accordingly.
• Step 4: Review Your Spending: Notifications after purchases provide clarity on remaining funds. Expense data is automatically recorded and categorized, enabling users to track progress through detailed monthly summaries.

Operational Assurance:

• The service complies with PCI DSS security standards, verified by external auditors.
• A compensation service for fraudulent activities is available, covering up to ¥100,000 if reported within 30 days (subject to conditions).
• B/43 is operated by SmartBank Co., Ltd., registered as a fund transfer service provider (License No. 00084 from the Kanto Finance Bureau) and is a member of the Japan Payment Service Association.

Contact Information:

Please direct any feedback or reports regarding issues through the designated link provided here: https://support.b43.jp/hc/ja/requests/new. We strive to address your concerns effectively and efficiently.