COTRA

Connecting Everyone

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

Feature 1: Send money easily with just your phone number!Feature 2: Spend less on service charges when sending money compared to current bank transfers!Feature 3: Recipient does not need the app to receive the money!

Feature 1: Send money easily with just your phone number! Feature 2: Spend less on service charges when sending money compared to current bank transfers! Feature 3: Recipient does not need the app to receive the money!

COTRA changes how person to person payments are made.

Check out our video!

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

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
京銀アプリ
こいPay
（広島銀行）
J-Coin Pay
どうぎんアプリ
（北海道銀行）
西日本シティ銀行
アプリ
はまPay
（横浜銀行）
Bank Pay
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
YOKA!Pay
（熊本銀行）
YOKA!Pay
（十八親和銀行）
YOKA!Pay
（福岡銀行）

and still counting!

You can make payments more than
200 financial institutions!

and still counting!

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 Send money easily 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 Send money easily 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?

Frequently asked questions

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

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 app provider.