If the overseas ATM owner fee is charged and the balance of that currency is insufficient, "GAIKA FULL BACK" is applied for the withdrawal amount and the fee amount.

When you withdraw money in Japanese Yen denominated instead of local currency denominated at an overseas ATM (you can only choose Japanese Yen denominated at some ATMs) (this scheme is called at D.C.C. Transaction), the transaction amount is deducted from Yen Savings account instead of PRESTIA MultiMoney Foreign Currency Account. The currency conversion rate is calculated by the rate that ATM managing company or Merchant provides independently.