【2026年】ゆうちょダイレクトプラスのデメリット解説！使い方・申込方法も

It is said to be used by about 120 million people "Japan Post Bank" 。 Among them, "Japan Post Direct", which was launched with the recent shift to paperless, is a convenient service that allows you to check your statement and make a transfer on the Web.

Also, you don't need a paper passbook at hand...... Recommended for those who say "Japan Post Direct + (Plus)" 。 Only the cash card remains in hand, and all deposit and withdrawal information is managed on the web.

So this time, we will use the convenient Japan Post Direct Plus Are there any disadvantages, how to use it, how to apply, etc. I would also like to introduce it. If you are still using a passbook, please take this opportunity to consider migrating to Japan Post Direct Plus.

In this article, we will discuss the

 
Let's take a look at.

 
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【2026年】ゆうちょダイレクトプラスのデメリット解説！

 

In the first place, what will change when you move from "Japan Post Direct" to "Japan Post Direct Plus"?

What is Japan Post Direct? While using the conventional paper version of the passbook, you can use the web or app to view, transfer, or transfer data Service. For those who want to keep a passbook at hand due to ease of management, we recommend the service of Japan Post Direct. It's nice to be able to use a password and make a transfer without going to the bank.

 

All of these services can be used unchanged with Japan Post Direct Plus. In addition, Remittances and transfers require biometric authentication and token authentication. So don't forget to authenticate when you log in.

And there are the following differences between Japan Post Direct and Japan Post Direct Plus.

	Japan Post Direct	Japan Post Direct Plus
Issuance of paper passbooks	And	without
Display period for deposit and withdrawal items	最大15ヶ月	最大10年間
Period for Requesting Transfer Items	2 months	15 months
Usage result display period	6 months	15 months
Mailing service for statements, etc.	And	without
Deposit of collateral term savings	And	And
Reimbursement of collateral term savings	without	And
Deposit of collateral fixed amount savings	And	without
Reimbursement of collateral fixed savings	without	And

What is unique is that both are compatible with "collateral fixed savings" and "collateral fixed amount savings". Fixed-term savings, which allow you to save money by deciding the deposit period in advance, and fixed-amount savings, which can be deposited for up to 10 years, are both services that many people use. At Japan Post Direct Plus, It is not possible to use only the deposit of "Fixed Amount Savings as Collateral" However, keep in mind that other services can be used the same as or more than Japan Post Direct.

In addition, the following are possible disadvantages of moving to Japan Post Direct Plus.

I would like to pay special attention to the following: If you lose your cash card 。 If you have a passbook, you can do some procedures at ATMs, etc., but you will not be able to withdraw cash at all with Japan Post Direct Plus without a passbook. If you notice that you have lost it, contact Japan Post Bank as soon as possible.

To reissue a cash card, It usually takes 1~2 weeks 。 Also, if you forget your PIN, A PIN will be sent to you by mail at a later date. Therefore, it will take a long time. When migrating to Japan Post Direct Plus, be more careful about handling cash cards than before.

 　

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使い方・申し込み方法も！

 

For Japan Post Direct Plus, you need to complete an application procedure to migrate. First of all, from the top page of Japan Post Direct, "Switching to Japan Post Direct + (Plus) (Passbook-type General Account)" Let's click on the button.

 

If you agree to the terms, the "Reception Completed" page will be displayed at the end and the procedure will be completed. In addition, At this point, the paper passbook will not be available Let's keep that in mind.

The transition from Japan Post Direct to Japan Post Direct Plus I found it easy to complete in one step 。 If you always have a smartphone or PC close to you, or if you want to manage your long-term statements on the web, please use it.

In addition, when actually using Japan Post Direct Plus, the following security measures are provided to maintain safety.

• Enter your customer number and password
• Individually set watchwords
• Anti-fraudulent remittance software "PhishWall Premium"
• Biometric authentication, PIN code authentication with tokens
• Enter the password sent to you by email

We can use Japan Post Direct Plus with peace of mind. Multiple layers of security measures Thanks to that.

In addition, the fact that I used to use a passbook is a cash card and Japan Post Direct Plus, which can be completed on the Web. The usage is no different from the usual transfer or withdrawal method Therefore, even those who are not used to it can rest assured.

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Summary

 

In this article, we have introduced an overview of Japan Post Direct Plus and the disadvantages associated with it. In today's world, paperless operations have progressed, and various procedures have been completed on the Web. Of course, there is no passbook and it is smart. It is also convenient to manage deposit and withdrawal information in Excel, etc., and to make transfers from the comfort of your home Right!