Convenient, efficient and secure real-time online banking
Determine your financial position, initiate fund transfers and review confirmations from anywhere in the world, at any time, simply connect to E-Moneyger®.
Domestic and international transfer and collection.
Transactions can be uploaded from your accounting system, entered manually, or setup quickly using the quick entry service based on predefined payment templates.
Single euro payments area (SEPA) products
Multi-bank transfers can be used to control funds at third party banks securely and seamlessly. The service is designed for companies that hold accounts at banks all over the world, and want to manage their transactions via a single source.*
*The multi-bank transfer service requires mutual agreement between the banks. SMBC Group offers this service but cannot guarantee that third-party banks will provide the same.
Find your latest SMBC Group statements online and choose daily, weekly, monthly or your preferred period from the past three years. Account reports can assist you with payable and receivable reconciliations by separating all debit and credit items and offering transaction search, sort, and export functions.
Receive and display your account data from third-party banks with multi-bank reporting. The consolidated balance report shows the total position of all accounts, and allows you to convert the balances into a selected currency, either using your own internal exchange rates or rates provided by the bank.
Additionally, maturity reports including investments, foreign exchange and loans are available to assist you with liquidity management.
SMBC Group provides pan-European liquidity services for corporate customers, with tools to manage their group's varying liquidity positions. It provides companies with a means to centralise control of decentralised cash positions, leading to increased interest income and a reduction of interest expenses.
Cash pooling helps you make the most of your money, with funds automatically swept between your designated subsidiary accounts and main pooling account at the end of each day.
If you choose the two-way pooling scheme, funds will be swept back to the subsidiary accounts the next morning. Opt for one-way pooling to leave funds in the main account.
In foreign exchange and money market transactions, where large funds are traded, it is crucial that all details are checked and confirmed in good time prior to the value date.
With E-Moneyger®, shortly after a deal is agreed, details of the trade are sent to you online for review and confirmation or query. You can be assured that all your forex and deposit trades will be recorded and settled correctly and the need to receive, sign and send paper confirmations will disappear.
Timely receipt of non-negotiable letter of credit copies and amendments at no extra cost.
Safeguarding your information and protecting your transactions is taken very seriously by SMBC Group. A range of measures and technologies are used to protect your data.
Learn more about security at the SMBC Security Centre
SCORE offers a secure, access-controlled communication channel through the use of SWIFT public key infrastructure.
FIN allows for the sending and receiving of individual standardised messages between a corporate and its banks, whereas FileAct allows for the transmission of financial data in a wider range of data formats.
SMBC Group was an early supporter of SWIFT's new cross border payment tracking and visibility standards known as Global Payments Innovation (gpi). Through gpi’s tracking functions and its attendant pay and trace capabilities (g4CPT) customers:
*Not all third-party banks will send status updates to the gpi tracker, therefore the latest or final status and details, such as charges, may not always be made available.
Host-to-host connectivity provides a secure channel for the direct transmission and receipt of messages in industry standard formats to and from SMBC Group.
Host-to-host offers a reliable, encrypted channel through which to communicate with the bank based on widely used transmission methods and encryption protocols.
Changes to European banking regulation have been introduced with the second Payments Services Directive (PSD2) that give provision for third-party access to accounts (XS2A). With the consent of account holders, new authorised third-party providers (TPPs) are able to facilitate account information or payment initiation services from accounts held with banks or other payment service providers. SMBC Group has adopted a Europe-wide standard of API used by financial institutions and promoted by the Berlin Group.
SMBC Group welcomes the opportunity to collaborate with TPPs in helping meet the mutual needs of customers and aims to make this process as transparent and simple as possible. The bank has adopted the Berlin Group's NextGenPSD2 XSD2 v1.3 specification, released in December 2018, as a basis for providing market standard API services. Technical Specifications and FAQs are available on the SMBC Developer Portal to assist TPPs in interacting with SMBC Group. In the absence of an exemption, a contingency mechanism for TPPs is also available and detailed in the developer portal.
See customer information and notices for agreements governing the terms and conditions associated with the cash management services that SMBC Group provides to its customers.