スマートバンク (SmartBank)

Wiki route

This entry sits under payment-firms INDEX (its domain route). Read it against Kyash for peer / contrast (prepaid + app-led fintech), and against the FSA plus the funds-transfer vs prepaid boundary for the supervisory / system boundary.

TL;DR

株式会社スマートバンク is a household-finance / prepaid wallet fintech that operates the household-management prepaid card “B/43 (Bee-yon-san, renamed to “ワンバンク”)“. In public information it has the rare configuration of holding two licenses —— a funds-transfer service provider (Director-General of the Kanto Local Finance Bureau 第00084号) and a third-party-type prepaid payment instrument issuer obtained in 2024 年 (Director-General of the Kanto Local Finance Bureau 第00782号). It pairs a chargeable Visa prepaid card with a household-account-book app, a case of combining a payment account with a household-management UX.

1. License / group boundary

The following table is scoped to public primary sources (smartbank.co.jp, onebank.jp, fsa.go.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

2. Operating model

SmartBank builds a payment / account-like UX from the problem of household budget management. It uses the licensing of both prepaid and funds-transfer business to support the flows of shared spending and the wallet. Although it is small in scale compared with megabanks and telecom-group wallets, in showing a design that launches a financial UX from “household budgeting” rather than from banking・commerce, a contrast with the Kyash or PayPay super-app is useful. For the BaaS context, see BaaS Japan landscape.

3. Why this page matters

• It fixes a concrete example of a license configuration where a single company holds both funds-transfer business and third-party-type prepaid payment instruments.
• It makes visible the design of combining “prepaid (refunds prohibited in principle)” and “funds-transfer (remittance possible)” within a single company.
• It becomes a case anchor for an independent fintech building a payment account with household management as the entry point.

Related

• payment-firms INDEX
• Kyash
• funds-transfer vs prepaid boundary
• BaaS Japan landscape
• FinWiki index

Sources

• SmartBank company profile: https://smartbank.co.jp/company
• ワンバンク: 資金決済法に基づく表示: https://onebank.jp/settlement/
• FSA funds-transfer service provider list (shikin_idou.pdf): https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf

[!info] Verification status confidence: likely. The dual license of funds-transfer business (第00084号) and third-party-type prepaid payment instrument (第00782号, 2024 年 registration) is based on public press releases / registration lists. The product name was renamed from B/43 → “ワンバンク”.