最悪
クソゴミ、容量のムダ、死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ねクソゴミ、容量のムダ、死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね死ね 死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねサネ死ね死ね死ね死ね死ね死ね死ね死ね死ね死ねね死ね
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Design update feels like a UX/UI downgrade
The new redesign negatively impacts the user experience. Promotional banners now appear stacked above, awkwardly placed or overlapping UI elements, often using overflow-style placement and high drop shadow that feels random and visually awkward. This makes the interface distracting and sometimes hides important information such as account balances or button labels.
Previously, the distinction between Regular transfers and Cotra transfers was clear and easy to understand. The new approach of automatically selecting the transfer type feels less aligned with user control and more aligned with the bank’s internal logic. This design choice introduces unnecessary risk for human error and raises concerns about the overall UX decision-making.
The app also offers an English language option, yet many of the essential banking components remain in Japanese. This makes the feature feel like a half-implemented attempt at localization and reduces usability for non-Japanese users.
Overall, the previous design felt more polished and premium. The new interface feels crowded, with inconsistent spacing, awkward jump rates, grouping, and an overuse of rounded corners without design philosophy or balance.
This feedback comes from someone working in the UX/UI industry who genuinely values thoughtful digital product design. I hope the team revisits some of these decisions in future updates.
Previously, the distinction between Regular transfers and Cotra transfers was clear and easy to understand. The new approach of automatically selecting the transfer type feels less aligned with user control and more aligned with the bank’s internal logic. This design choice introduces unnecessary risk for human error and raises concerns about the overall UX decision-making.
The app also offers an English language option, yet many of the essential banking components remain in Japanese. This makes the feature feel like a half-implemented attempt at localization and reduces usability for non-Japanese users.
Overall, the previous design felt more polished and premium. The new interface feels crowded, with inconsistent spacing, awkward jump rates, grouping, and an overuse of rounded corners without design philosophy or balance.
This feedback comes from someone working in the UX/UI industry who genuinely values thoughtful digital product design. I hope the team revisits some of these decisions in future updates.
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Response from developer
Thank you for your comment. We sincerely apologize for the inconvenience caused while using the app. We will continue to review and consider improvements to the app, including the feedback and requests we receive from our customers. We will keep working to provide a better experience and greater satisfaction, and we appreciate your continued use of the SMBC app.
Overall easy to use but…
The app itself is overall easy to use. The most cumbersome issue is the English translation not working for most of the buttons and UI elements. Something I am sure could be easily addressed we are in 2025 after all and SMBC is one of the biggest banks in Japan.
Do try other banks. They’re all better.
Banking with SMBC is astonishingly bad. They are so afraid of online banking that they make you jump over several hurdles to do any one thing. Want to make a transfer? You’ll need to accept a voice call and use DTMF tones to verify your login. (If you’re using a phone that doesn’t support DTMF, you’ll need to visit a tone generator web site and play DTMF sounds loudly over speaker.) Then when you make the transfer, you’ll have to do it again. And then you’ll need to put in your one-time password. Launch the mobile app for that. Oops—update required, head to the App Store. Updated, but guess what? SMBC has changed their security system and wants you to update some setting on your account. Cancel out of that because it’s a waste of time. Head to the code generator and get copious warnings along the way. The irony is that their banking login credentials are insanely weak (a 4-digit PIN). Why not strengthen that? Why not use a username, password, and 2 factor authentication like normal online banks? Aside from all this: they charge a fee to transfer to other banks, and don’t even process it until the next business day. Meanwhile SBI, Suruga and some others charge zero fees, and process almost instantly. Stay away from SMBC unless it’s your only option (for example as a lender). Easily the worst banking experience I have ever had. Their online systems seem to assume everyone is incapable of protecting themselves online. It’s better to have clear policies and disclaimers, and a clean app without all of the handholding. It’s embarrassing.
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Zero customer support
They provide essentially zero online customer support. Just a useless chatbot that links to irrelevant points to the FAQ. I still have to physically go to a store which is only open at inconvenient times to ask a question and actually get an answer.
Garbage.
Garbage.






