三井住友銀行もコンビニATM、同行内振込手数料など無料化へ

手数料の引き下げの内容としては、公式サイトに記載してあるとおり。その中でも特に重要性が高いと僕が思うのは、コンビニATM（イーネット・ローソン・アイワイバンク・ampm）の使用手数料と時間外手数料の無料化、それからインターネットバンキングを利用したときの同行内振込手数料の無料化の2つ。三菱東京UFJ銀行の旧東京三菱銀行支店で「メインバンク」契約を行い、それで「ステージ3」の条件を達成したときのサービスに匹敵している。

加えて、その無料サービスの利用の敷居もひくくなった。この無料サービスが適用されるための条件としてはこれまでは銀行の預金残高が30万円以上あるか、三井住友カードの引き落としがあるなどいくつかの条件のうちの一つを満たしている必要があったけれど、今後はその条件を満たしていなくても「Web通帳を利用する」つまり紙で出来た従来型の通帳を使用しないだけでこれらの無料サービスの恩恵に与れることになった。通帳を発行することは金融機関にとっては印紙税の負担が発生するなどのコストがあるので、顧客がWeb通帳に移行してくれれば顧客も銀行側もお互いにハッピーになれるということのようだ。

もともとは自分のお金なんだから出し入れに関する障壁は低ければ低いほど良いはずだ。そういう意味で特にコンビニATMでの手数料が銀行ATMでの入出金に近づいてきたことは歓迎だ。もちろん裏では銀行かコンビニか知らないが誰かが僕が払うはずだった手数料を肩代わりしてくれているだけなのだろうけれど、もう今は銀行ATMだから／コンビニATMだからと区別するような時代じゃない。ついでに言えば、現金を何万円も持ち歩く時代でも、銀行の営業時間内にATMに並んで入出金に苦労するような時代でももちろんない。

普段からは現金を出来るだけ財布には持ち歩かず、電子マネーやクレジットカードも駆使してスマートに決済する。それでもって、現金が必要なときは身近なコンビニに行けば24時間いつでも自分の預金を下ろすことが出来て、しかもそれには余計な手数料はかからない。そういう当たり前のようなサービスが全国津々浦々で利用できるようになる、そんな時代がついに来たんだよ。

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