「カテエネBANK」は、住信SBIネット銀行のBaaS（Banking as a Service）December 19, 2024.
Chubu Electric Mirai Corporation
SBI Net Bank Co., Ltd.
On May 23, 2024, Chubu Electric Power Miraiz Co., Ltd. (Head office: Nagoya City, Aichi Prefecture, Representative Director: Yasunori Kamiya, hereinafter "Chubu Electric Power Miraiz") and SBI Net Bank Co., Ltd. (Head office: Minato Ward, Tokyo, Representative Director (CEO): Noriyuki Maruyama, hereinafter "SBI Net Bank") signed a memorandum of agreement regarding the development of services combining Energy and Finance (announced on the same day) and have been advancing discussions.
We are pleased to announce that both companies will start providing a household banking service called "Cateene BANK", which is the first of its kind in the electricity industry (Note 1).
"Cateene BANK" is the banking service of Chubu Electric Power Miraiz utilizing the BaaS (Banking as a Service) of SBI Net Bank, known as "NEOBANK" (Note 3).
Customers can complete banking services such as deposits, transfers, and loans within the app by downloading the "Cateene BANK" app, opening an Account, and linking it to the household WEB member service "Cateene" of Chubu Electric Power Miraiz.
Additionally, when paying the electricity and gas fees of Chubu Electric Power Mirai using the direct debit from the 'Cateene BANK' account, up to 5% of the monthly payment amount can be returned as Cateene points depending on the usage of bank services (Note 4). Accumulated Cateene points can be used for paying electricity bills or exchanging for partner points.
Chubu Electric Power Mirai will hold a campaign to provide customers who open an account with 0.1 million yen or more deposited between today and May 31, 2025, with 5,000 yen worth of Cateene points, in conjunction with the launch of 'Cateene BANK'.
Chubu Electric Power Mirai and Trust Bank SBI Net Bank will deliver economical and convenient services to each household customer through 'Cateene BANK', while continually considering the expansion of services that meet the needs of all customers, including corporate clients.
(Note 1) Based on investigations by Chubu Electric Power Mirai and Trust Bank SBI Net Bank. As of December 2, 2024. This is the first acquisition of a banking agency license for personal customers among the 10 old general electric companies (substitutive retail electricity companies).
(Note 2) This mechanism allows business companies (in this initiative, Chubu Electric Power Mirai) to provide financial services as part of their service by connecting to the bank's system (in this initiative, Trust Bank SBI Net Bank).
(Note 3) This refers to the BaaS platform service that provides full banking services, including deposits, loans, and payments, initiated by Trust Bank SBI Net Bank in 2020. 'NEOBANK' is a registered trademark of Trust Bank SBI Net Bank. Registered trademark No. 5953666.
(Note 4) The cashback rate is determined based on the usage of bank services.
The economical and convenient services of 'Cateene BANK'.
Up to 5% cashback on Electricity and Gas payment amounts.
Depending on the usage of Bank services, up to 5% of the payment amount for Electricity and Gas bills of Chubu Electric Mirai is returned as Cateene points each month. (The limit is 3,000 points per month.)
| Bank Services | Conditions | Cashback Rate |
|---|---|---|
| Direct Debit | Direct debit of Chubu Electric Mirai's electricity and gas fees must be done through 'Cateene BANK' (mandatory condition). | 1% |
| Set up the second direct debit (applicable to items other than Electricity and gas fees). | ＋1% | |
| Set up the third direct debit (a 3% rebate for the third and subsequent transactions). | ＋1% | |
| Deposit. | The yen deposit balance at the end of the month is more than 1 million yen. | ＋1% |
| Debit card. | The monthly amount spent on debit cards is over 0.03 million yen. | ＋1% |
| Or | ||
| Mortgage | A mortgage of over 15 million yen (during the borrowing period) and the electricity and gas bills of Chubu Electric Power Mirai must be paid via account transfer through 'Cateene BANK'. | 5% |
(2) Withdrawals and deposits at ATMs nationwide and transfers to other banks are free up to five times each month.
ATM usage fees for Seven Bank, Lawson Bank, Japan Post Bank, Aeon Bank, and E-Net are free up to five times each month. Additionally, the transfer fees to other banks are also free up to five times each month.
A bank account that can be completed through a Smart Phone application can be opened in as little as one day.
You can use convenient features from the Smart Phone app, such as balance inquiries, transfers, debit cards, and managing accounts for specific purposes, as well as integration with SBI Securities. Moreover, if you have your My Number card or driver's license, you can open an account on the same day.
Push notifications/emails will notify you before the due date for Electricity and gas fees.
If the account balance is insufficient, you will receive a push notification/email from the app two days before the due date, so there's no worry about missing deposits and you can use it with peace of mind.
A campaign offering 5,000 yen worth of KATEENE points for opening an account during the target period.
With the launch of 'KATEENE BANK', the following campaign will be implemented.
| Target Period | From Thursday, December 19, 2024, to Saturday, May 31, 2025. |
|---|---|
| Conditions | During the target period, open an Account and link it with the "Cateene" account, with a deposit balance of 0.1 million yen or more (Note 5) (Note 5) Check the deposit balance at the end of each month during the target period, and if it is confirmed to be 0.1 million yen or more at least once, the conditions are met. |
| Contents of the Benefits | 5,000 Cateene Points |
| Timing of Benefit Provision | After confirming the yen deposit balance at the end of the month, it will be provided by the end of the following month. |
| Important Notes |
|
For more details about this campaign, please see here.
Overview of Banking Agency Services
| Service Name | QITABANKUAI (Shinsei SBI Net Bank, Chuden QITABANKUAI Branch) |
|---|---|
| Service Start Date | December 19, 2024. |
| Affiliated Bank | SBI Net Bank Co., Ltd. |
| Bank Agency Business Operator | Chubu Electric Mirai Corporation (License Number: Tokai Financial Bureau Chief (Bank Agent) No. 221) |
| Business Operations | Mediation of contracts for accepting deposits, lending funds, and conducting Currency Exchange. |
| WEB site | |
| App download | Please search for 'Kateene BANK' on the App Store or Google Play store. You can also download it from below. Download here |
(Note) App Store is a service mark of Apple Inc. (Note) Google Play is a trademark of Google LLC.
Overview of each company
| Name | Chubu Electric Mirai Corporation |
|---|---|
| Location | 1 Higashin-machi, Higashi-ku, Nagoya City, Aichi Prefecture. |
| Representative | Company Executive President Executive Officer Yasunori Kamiya. |
| Business Contents | Electricity business, gas business, ETC. |
| Capital | 4000 million yen |
| Name | SBI Net Bank Co., Ltd. |
|---|---|
| Location | 2-1, Roppongi 3-chome, Minato-ku, Tokyo |
| Representative | President and CEO, Motoaki Maruyama |
| Business Contents | Banking |
| Capital | 31000 million yen |
Attached documents
Overview of Chubu Electric Power Miraiz's banking service 'Kateene BANK' [PDF: 1,501 KB]
That's all.
