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Details [GAICA Flex]

GAICA Flex Prepaid Card GAICA Flex Prepaid Card

Load JPY or foreign currency from your Shinsei PowerFlex account. Prepaid card which handles up to 5 currencies.

  • The design of GAICA /GAICA Flex are the same.

Please read and confirm the important information below before you apply the card. Application button is located at the bottom.

  • You will leaving this site to the Shinsei Bank homepage.

Please sign-up with GAICA Prepaid Card if
you do not have a Shinsei PowerFlex account.

  • If you would like to open a Shinsei PowerFlex account,
    you will be required to open an account with Shinsei Bank’s prescribed procedure. Please confirm the Shinsei Bank homage for further details.

If you have a Shinsei PowerFlex account
it will be more convenient with the Flex function!

GAICA service

  • Load in JPY.
  • Withdraw in local currencies at overseas ATMs.
  • Use it at Visa affiliate stores in Japan* and Overseas. *Limited to JPY
  • No membership fee.
  • Contactless payments via touch to pay.A quicker and safer way to pay.
  • Load in JPY.
  • Withdraw in local currencies at overseas ATMs.
  • Use it at Visa affiliate stores in Japan* and Overseas. *Limited to JPY
  • No membership fee.
  • Contactless payments via Visa payWave.A quicker and safer way to pay.

Flex function

  • Released on May 20, 2018! Auto Reload
  • Load in foreign currencies. *Set fee occurs when loading in foreign currencies.
  • Load your GAICA anytime, anywhere. 24/7
  • No fees for withdrawing at overseas ATMs.
  • Free and easy refunds for unused load balance!
  • Just released on May 20, 2018! Auto Reload
  • Load in foreign currencies. *Set fee occurs when loading in foreign currencies.
  • Load your GAICA anytime, anywhere. 24/7
  • No fees for withdrawing at overseas ATMs.
  • Free and easy refunds for unused load balance!

Product details

GAICA Flex Prepaid Card
Card issuer APLUS Co., Ltd.
Card type Visa prepaid card
How to apply By designated Internet page
Eligibility Eligible customers should be over 13 years old* and meet the conditions mentioned below.
  • *We will also confirm the purpose of transaction and consent from the parental guardian when signing up a customer who is a minor.
GAICA Flex Prepaid Card
  1. 1. Must be a resident of Japan
  2. 2. Have a working e-mail address
    (An e-mail address will be required when signing up)
  3. 3. The customer signing up must have Shinsei PowerFlex account.
Term 5 years
Available currencies to load JPY, USD, EUR, GBP, AUD

Fees

Currency Fees Memo
Membership fee JPY Free
Load/Reload fee JPY Free Load/Reload fee will refer to the fees loaded on the “チャージ” (Load) menu of the Member-Only Site. The currencies listed on the left will include the Load/Reload fee on to the charged currency.
  • The fees will be deducted and reflected on the loaded amount.
USD 3.5% of the loaded amount
EUR
GBP
AUD
Auto Reload JPY Free
Monthly Auto Reload JPY Free
Foreign exchange fee JPY 4% of the used amount The fee will apply when withdrawing in the local currency at overseas ATMs, or when using the card for shopping at overseas Visa affiliate stores.
The foreign currency fees listed on the left will only be applied when using the JPY balance and calculated from the used JPY amount for payment or withdrawal. This fee will be deducted from the card balance.
When using the card in Japan, only the JPY balance will be used for settlement and foreign exchange rate fee will not be applied.
USD Free
EUR
GBP
AUD
ATM withdrawal fee *1 JPY Free The fee will apply when withdrawing in the local currency.
USD
EUR
GBP
AUD
Refund fee JPY Free The fee will apply when the member makes a refund to the member’s Shinsei PowerFlex account via the “払い戻し” (Refund) menu on the Member-Only Site.
  • Refunds will not be applicable if the member has closed his/her Shinsei PowerFlex account. If this is the case, refunds will be made to a bank account specified by the member. The refund fee wll be JPY500 + tax per transaction (refund).
The fee will be deducted from the card balance.
USD
EUR
GBP
AUD
Card reissue fee JPY JPY 1,000
+ tax / 1 time
The fee will apply when reissuing the card.
The card will be sent to the registered address.
The fee will be deducted from the card balance.
Card statement issuance fee
(By request only)
JPY JPY 200
+ tax / 1 time
The fee will apply when sending the card statement by postal mail.
Then PIN reminder will arrive at registered address.
PIN notification JPY JPY 200
+ tax / 1 time
The fee will apply when requesting a reminder of your existing PIN.
The PIN reminder will arrive at the registered address.
The fee will be deducted from the card balance.
Emergency card reissue fee JPY JPY 2,000
+ tax / 1 time
The fee will apply when reissuing the card.
The card will be sent to the specified address made by the member.
The card may not be sent due to the circumstances of country and/or region.
The fee will be deducted from the card balance.
  • *1 In addition to the ATM withdrawal fee, which will be charged at the time of withdrawal of funds in local currencies at overseas ATMs, some financial institutions managing the said ATMs may charge additional fees. (here in after “Transaction/ User Fees.”) Transaction/ User Fees will vary by financial institution managing the said ATMs.

Credit limit amount

Credit limit amount Memo
Load JPY 1 million *2 Maximum amount which can be loaded per transaction
  • The maximum amount to be loaded is JPY 2 million
Auto Reload JPY 50,000 per transaction More than JPY 1,000
Monthly Auto Reload JPY 300,000 per transaction More than JPY 1,000
Withdrawal from overseas ATM JPY 150,000 per transaction *2 The maximum amount which can be used at an overseas ATM
The ATM withdrawal limit for overseas ATMs will be set at 0 yen for customers who have signed up for GAICA (with Flex function) after November 18th 2018 . Prior registration will be required on the APLUS Member-Only Site to use this service.
Further details click here.
JPY 300,000 per day *2
JPY 300,000 per month *2 *3
Using card for making purchases overseas JPY 1 million per transaction *2 The maximum amount which can be used at overseas shopping
JPY 1 million per day *2
JPY 1 million per month *2 *3
Using card for making purchases in Japan JPY 1 million per transaction The maximum amount which can be used at domestic (Japan) shopping
JPY 1 million per day
JPY 1 million per month *3
  • *2 Amount equivalent converted into JPY.
  • *3 One month refers to the 1st (0:00:00) day of the month to the last day of the month (23:59:59) in Japan Standard Time(JST).

How to Use

How to Load You can load funds to the card choosing the specific amount and currency at the Member-Only Site.
  • Will be loaded directly to the GAICA Flex Prepaid Card through the Shinsei PowerFlex account and the Foreign Currency Savings account.
  • Available 24 hours a day, 365 days a year (excludes Shinsei Bank’s system maintenance periods)
  • The load will be reflected on the card balance immediately.
Auto Reload Set the trigger amount and the auto-reload amount on the Member-Only Site, funds will be automatically reloaded accordingly.
Monthly Auto Reload Set the monthly auto-reload date and amount on the Member-Only Site, funds will be automatically reloaded accordingly.
How to use The services mentioned below can be used within the card balance.
  • ・Shopping at overseas/domestic (Japan) affiliate stores (1 time payment option only)
  • ・Withdrawing amounts from overseas ATMs with "Visa" or "Plus" logo (The maximum withdrawal amount will be the equivalent of JPY 300,000 per month regardless of the local currency.)
    • 1 month refers to the 1st day (0:00:00) of the month to the last day of the month (23:59:59) in Japan Standard Time(JST)
    • Withdrawals will not be available at Japanese domestic ATMs.
    • The JPY conversion rate applied will be by the international brand Visa’s JPY conversion rate.
    • Reload foreign currency can only be used in countries where it is accepted.
    • The card balance and the amount used will differ according to the currency.
Refunds Refunds will be available as specified in the Member-Only Site by choosing the currency and amount.
  • Loaded directly to the GAICA Flex Prepaid Card through the Shinsei PowerFlex account and the Foreign Currency Savings account.
  • Available 24 hours a day, 365 days a year (excludes Shinsei Bank’s system maintenance periods)
  • Refund fee will be free of charge.
Confirming account balance The balance and total usage (from 1 day to 1 month) can be confirmed from the card balance inquiry menu of the Member-Only Site.
Confirming account activity Account activity for the past 6 months can be confirmed from the account activity menu on the Member-Only Site.
Changing PIN We will reissue a new card when changing your PIN. Please contact GAICA Customer Service Desk for assistance.
  • Card reissuance fee will apply when reissuing a new card (please confirm fees on “Fees” section).
Suspending/Reactivating your card The “利用停止・解除” (Suspend/Reactivate) function will be available on the Top menu of the Member-Only Site.
Canceling your card You can apply for cancellation of your card on the “解約申込” (Cancel) menu of the Member-Only Site.
  • Cancellation will not be available until the amount used is confirmed.
  • The remaining balance will transferred to the customer’s Shinsei PowerFlex account.
  • If you have already closed your Shinsei PowerFlex account, please contact GAICA Customer Service Desk for assistance.

Designated dispute resolution body

Contact GAICA Customer Service Desk

03-6743-2798 (English)
Business hours:9:30 a.m. – 5:30 p.m. on weekdays and Saturdays (Closed on Sundays, national holidays and New Year’s holidays)

03-3757-3655 (Japanese)
受付時間:9:30~17:30(日祝休)

Designated dispute resolution body In event in which transactions are in dispute, if you do not agree to the dispute resolution agreement proposed by the bank, under the Certified Fund Settlement law you have the option of stating your case to the following third party dispute resolution organizations (stated below) commissioned by the bank. [ Receipt of Complaints ]
Japan Payment Service Association
Phone:03-3556-6261
[ Dispute resolution ]
Tokyo Bar Association, ADR Center
Phone:03-3581-0031
Dai-Ichi Tokyo Bar Association, Arbitration Center
Phone:03-3595-8588
Dai-Ni Tokyo Bar Association, Arbitration Center
Phone:03-3581-2249

There are two ways to apply for GAICA Flex Prepaid Card

  • Apply for GAICA Flex Prepaid Card

    Shinsei PowerFlex account holders can apply for GAICA Flex Prepaid Card right away.

  • Add Flex function

    Customers with standard GAICA Prepaid Card add Flex Function to their cards afterwards.

How to load/reload.

Method of Application Through the Member-Only Site Deposit to a dedicated Card Account
Apply for GAICA Flex Prepaid Card ×
Added Flex function later *1
  • *1 Customers dedicated Card Account can continue to use them.
Learn more about how to Load/reload Learn more about how to Load/reload
  • *1 Customers dedicated Card Account can continue to use them.

Precautions for reload and using foreign currency

  • ・Reloaded foreign currency can only be used in countries where it is accepted.
  • ・If there are both yen and foreign currency balances on the card, foreign currency will be debited first.
  • ・If the foreign currency balance is insufficient when making a purchase, the entire purchase price will be debited to the yen balance instead.

Please read and confirm the important information below before you apply the card. Application button is located at the bottom.

  • You will leaving this site to the Shinsei Bank homepage.

Please sign-up with GAICA Prepaid Card if
you do not have a Shinsei PowerFlex account.

  • If you would like to open a Shinsei PowerFlex account,
    you will be required to open an account with Shinsei Bank’s prescribed procedure. Please confirm the Shinsei Bank homage for further details.

Customer Support

Representatives are standing by for any inquiries, emergency assistance, or procedures to ensure your safe, secure, and comfortable use of our services.

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