Connecting Everyone

cotra

SCROLL

What is COTRA Transfer?

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

  • Feature 1: No fees for peer-to-peer (P2P) payments up to 100,000 yen per transaction.
    • Limits may vary depending on the app.
      Transaction fees are set by each business operator. Currently, all participating operator offer this service free of charge.
  • Feature 2: Real-time transfers available 24/7, 365 days a year!
    • Some apps may have scheduled maintenance periods during which the service is temporarily unavailable.
  • Feature 3: Send money using cell phone number.
  • Feature 4: COTRA is available in over 400 business operator.
  • Feature 5: Send money without worrying about the recipient's app!
  • Feature 1: No fees for peer-to-peer (P2P) payments up to 100,000 yen per transaction.
    • Limits may vary depending on the app.
      Transaction fees are set by each business operator. Currently, all participating operator offer this service free of charge.
  • Feature 2: Real-time transfers available 24/7, 365 days a year!
    • Some apps may have scheduled maintenance periods during which the service is temporarily unavailable.
  • Feature 3: Send money using cell phone number.
  • Feature 4: COTRA is available in over 400 business operator.
  • Feature 5: Send money without worrying about the recipient's app!

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

Where can I make payments?

You can make payments more than
400 business operator!

and still counting!

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!

How to send money with COTRA

  • Step1 Log in to the app you want to use COTRA for. Check the apps!
  • Step2 Select your payment method.
  • Step3 Enter your payment contents.
  • Step4 Transaction completed successfully.
  • Step1 Log in to the app you want to use COTRA for. Check the apps!
  • Step2 Select your payment method.
  • Step3 Enter your payment contents.
  • Step4 Transaction completed successfully.
  • ＊Screens simulated for illustrative purposes only. Actual experience may differ.

How to receive money with COTRA by cell phone number or email address

No setup needed when receiving via account number or Value ID!
Receiving via cell phone number or email address?
You'll just need to link your cell phone number or email address to your bank account first.
Once linked, you can receive money smoothly.

  • Step1 Log in to the app you want to use COTRA for. Check the apps!
  • Step2 Link your cell phone number or email address to your receiving bank account.
  • Step3 Tell your account number, Value ID, cell phone number, or email address with the sender.
  • Step4 Transaction completed successfully.
  • Step1 Log in to the app you want to use COTRA for. Check the apps!
  • Step2 Link your cell phone number or email address to your receiving bank account.
  • Step3 Tell your account number, Value ID, cell phone number, or email address with the sender.
  • Step4 Transaction completed successfully.
  • ＊Screens simulated for illustrative purposes only. Actual experience may differ.

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 operator.

ページトップヘ