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What is COTRA Transfer?

COTRA can be used in apps you regularly use.
Making payments more convenient.

Feature 1: You can make payments with just a cell phone number. Feature 2: It's convenient and economical. Feature 3: You don't have to worry about the recipient's app.

  • Feature 1: You can make payments with just a cell phone number.
  • Feature 2: It's convenient and economical.
  • Feature 3: You don't have to worry about the recipient's app.

COTRA changes how person to person payments are made.

Check out our video!

When can I use it?

More freedom in your life!
You can make payments on various occasions.

  • Transfer money to another account of yours
  • Make a group purchase of a gift, etc.
  • Split a bill with your friends
  • Repay for purchases made on your behalf
  • Send money between family members

What apps can I use it with?

More and more apps will be using COTRA.

*in Japanese alphabetical order

  • ウォレットプラス

  • SBI新生銀行アプリ

  • OKI Pay
    （沖縄銀行）

  • 京銀アプリ

  • こいPay
    （広島銀行）

  • こうぎんアプリ
    （高知銀行）

  • J-Coin Pay

  • 四国銀行アプリ

  • 住信SBIネット銀行
    アプリ

  • どうぎんアプリ
    （北海道銀行）

  • とちぎんアプリ
    （栃木銀行）

  • 西日本シティ銀行
    アプリ

  • はまPay
    （横浜銀行）

  • Bank Pay

  • BANKIT
    （アプラス）

  • 肥後銀行アプリ

  • Payどん
    （鹿児島銀行）

  • 北陸銀行
    ポータルアプリ

  • 三井住友銀行アプリ

  • みんなの銀行

  • ゆうちょ通帳アプリ

  • YOKA!Pay
    （熊本銀行）

  • YOKA!Pay
    （十八親和銀行）

  • YOKA!Pay
    （福岡銀行）

and still counting!

Where can I make payments?

You can make payments more than
400 financial institutions!

and still counting!

How do I start?

How to start COTRA

  • Step1 Log into the app you want to use COTRA Transfer with
  • Step2 Register the receiving account and phone number *If you are providing the receiving account number, full registration is not necessary.
  • Step3 Making payments more convenient between COTRA users
  • Step1 Log into the app you want to use COTRA Transfer with
  • Step2 Register the receiving account and phone number *If you are providing the receiving account number, full registration is not necessary.
  • Step3 Making payments more convenient between COTRA users
  • *This is a general flow of starting a COTRA. There may be some differences depending on app.

Why don’t we get started?

Questions? Look here!

Frequently asked questions

  • QWhat are the benefits of registering my phone number and email address?
    A

    You can receive payments with just your phone number, saving you from providing your account number. You can also receive messages.

    • You can still make payments without registering your phone number. Only one phone number (email address) can be registered for each receiving account.
  • QWhat should I do if my registered phone number changed?
    A

    Please register your new phone number with the apps you will be using, and delete your old phone number from the apps you have registered this number.

  • QWhat should I do if I made a payment with COTRA by mistake?
    A

    You cannot cancel a payment. COTRA has a function to confirm recipient's name, so please check it carefully before executing a payment.

  • QIs there an upper limit to sending money via COTRA?
    A

    You cannot send more than 100,000 yen per transaction. Some apps may have a different upper limit.

  • QIs COTRA available all the time?
    A

    Depending on the app you are using, there may be a temporary suspension of service.

  • QHow much does it cost to make a payment with COTRA?
    A

    Fees are determined by each provider.

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