SPECIFIC TERMS AND CONDITIONS FOR EASY POSTAL REMIT CARD SERVICE (EPRC)

Easy Postal Remit Card Service (hereinafter "EPRC Service") shall mean the overseas remittance services provided by the branches of Metropolitan Bank & Trust Company in Japan (hereinafter “the Bank”) upon the request of the applicant (hereinafter "Remitter") facilitated only through a domestic bank transfer at Japan Post Bank. This shall be governed in accordance with the Terms and Conditions for Overseas (Foreign) Remittance (hereinafter "Terms and Conditions") and this "Specific Terms and Conditions for Easy Postal Remit Card Service" (hereinafter "EPRC Terms and Conditions").
If any discrepancy occurs between Terms and Conditions and EPRC Terms and Conditions, the latter shall prevail. If any discrepancy occurs between English and Japanese versions of EPRC Terms and Conditions, the latter shall prevail. This service is solely for Individual Remitters.

  1. Easy Postal Remit Card (hereinafter EPRC) is a pre-embossed card issued by Japan Post Bank at the request of the Bank for its Remitters to use in transferring funds at ATMs of Japan Post Bank or at the Japan Post Bank Counters to the Bank for remittances to the Philippines. The use for EPRC shall only be through ATMs of Japan Post Bank or at the Japan Post Bank Counters.
  2. Only Remitters who have successfully completed the registration process for remittance can request for EPRC.
  3. Only registered beneficiaries of the registered Remitter may be elected for EPRC.
  4. The first five (5) beneficiaries elected by the Remitter for EPRC shall be issued an initial EPRC free of charge. Initial EPRC refers to the first card issued to the elected Beneficiary. Card applied for in-excess of the initial 5 cards shall require the submission of the relevant application form, together with a photocopy of the valid prescribed ID, and a card issuance fee of JPY 500 for each additional Beneficiary.
  5. EPRC assigned and issued to the Remitter for the elected beneficiary cannot be interchanged with other beneficiaries or be used by any other Remitter; it is not transferrable.
  6. EPRC, upon successful election, shall be sent to the Remitter’s registered address via registered/trackable/regular mail.
  7. Types of remittances qualified for EPRC Service are credit to Metrobank Philippine Peso Accounts in the Philippines, credit to Philippine Peso Accounts in other banks in the Philippines, credit to account of the beneficiary with an E-Money Issuer Non-Bank Financial Institution (ex. GCASH) and Over the Counter (OTC) Philippine Peso payment at Cash Payout Centers in the Philippines.
  8. In case of a defective card (i.e. card is confirmed to have never been used for a remittance transaction), the Remitter may request for a replacement card for the same elected beneficiary by surrendering the EPRC to the Bank and submission of the filled out Maintenance Request for EPRC form together with a photocopy of the valid prescribed ID.
  9. In case of replacement of EPRC due to lost or damaged card, the Remitter shall be required to fill out and submit the Maintenance Request for EPRC form together with a photocopy of the valid prescribed ID and a card issuance fee. A replacement fee of JPY 500 is required for the replacement of a lost or damaged EPRC.
  10. Domestic transfer charges/fees of Japan Post Bank shall be shouldered by the Remitter. Japan Post Bank charges/fees are subject to change in the future.
  11. At ATMs of Japan Post Bank, the maximum amount that can be transferred using EPRC inclusive of all the applicable transfer/remittance charges is JPY 100,000 (ex. JPY 100,000 transferred less JPY 345 as Japan Post Bank transfer charges and JPY 1,500 as the Bank remittance charge =JPY 98,155 net remittance amount). All charges are subject to change in the future.
  12. In case of remittance transactions amounting to more than JPY 100,000 (inclusive of remittance charges, etc.), the transaction must be made at Japan Post Bank teller’s counter with presentation of EPRC, valid ID of the Remitter and subject to the completion of application forms as may be required by the Japan Post Bank.
  13. Aggregation of fund transfers to combine into a single remittance transaction is not allowed (i.e. one fund transfer by EPRC = one remittance transaction).
  14. The minimum amount per remittance is JPY 1,000. There is no maximum limit to the amount for each remittance; however, confirmation of remittance details (the remittance purpose, source of funds and reconfirmation of the relationship to the beneficiary, among others) shall be required for remittances amounting to JPY300,000 and above. A transaction or aggregate transactions in one month amounting to JPY 1 million and above shall be subject to the Bank’s approval and the Bank shall require the submission of evidentiary documents for the source of funds. In addition, the Bank may require the submission of evidentiary documents for the source of funds, use of funds in the Philippines(purpose of remittance), etc. based on the Bank’s assessment regardless of the transaction amount.
  15. Cancellation and Refund
    Cancellation/refund of domestic fund transfer by the Remitter at Japan Post Bank counters is not allowed except for the following:

    In case remitted funds are on hold status at the Bank and confirmed by the Remitter as not remitted by the Bank to the Philippines, the remitter may cancel the transaction by applying for refund at Japan Post Bank counters.

    Refund at Japan Post Bank counters shall be subject to the presentation of valid ID, submission of application forms and charges as may be prescribed by Japan Post Bank.

    Refund at Japan Post Bank counters shall only apply to remitted funds on hold status at the Bank and confirmed by the Remitter as not remitted by the Bank to the Philippines. Funds processed by the Bank and remitted to the Philippines cannot be refunded.
  16. Service hours is from 08:00 to 24:00.
    Note: Payment to the beneficiary is dependent to conditions such as amount limit, business days/hours of Metrobank Head office processing unit, Metrobank Branches, receiving bank/beneficiary’s bank and/or payout outlets as maybe applicable.
  17. The prevailing exchange rate for the day (JPY - PHP) set around 10:30 by the Bank shall be used in processing the remittance. However, for processing on or before 10:00, the prevailing early morning exchange rate is applicable. The prevailing exchange and early morning exchange rate shall be posted at the Bank’s website.
    Note: Exchange rates to be applied to transactions may be changed by the Bank without prior notice, depending on the market fluctuation.
  18. The Remitter may choose to receive E-Statements (remittance statement sent via email) for EPRC Service by registering a valid email address with the Bank. Upon successful application, no printed remittance statement shall be sent. In case of unsuccessful delivery of the E-Statement or other reasons, the Remitter may change the registered email address upon informing the Bank thru the Bank’s website change of email address facility or submission of the Bank-prescribed form or other channels as may be prescribed by the Bank. Request may be done for the latest E-Statement to be resent to the newly registered email address. In addition, the Bank may send emails regarding promotions, advertisements, products, services, etc. to the registered email address. The request for E-statement shall apply to all remittance transactions of EPRC Service.
  19. The Bank reserves the right to suspend, cancel or terminate EPRC Service or hold the transferred funds of the Remitter at any time for any reason at its sole discretion and/or due to any of the following reasons;
    1. In case the Remitter failed to comply with any necessary documentation requirements or failed to provide confirmation on required information in accordance to the Bank’s policy within a prescribed period of time set by the Bank.
    2. Unclaimed or undelivered EPRC Service Confirmation Document (sent by postal mail) for more than ninety (90) days from the issued date.
    3. Abuse in the usage of EPRC Service or failure of the Remitter to adhere to the Bank’s policies.
    4. Upon the occurrence of any of the following events, the Bank may immediately suspend, cancel or terminate EPRC Service without any prior notice.
      1. When the Remitter breaches EPRC Terms and Conditions or Terms and Conditions for Overseas (Foreign) Remittance;
      2. When the payment of all or part of the Remitter’s debts owed to the Bank is delayed;
      3. When a suspension of payment is ordered, or commencement of bankruptcy is known to the Bank;
      4. When inheritance proceedings for the Remitter commence;
      5. When the whereabouts of the Remitter become unknown to the Bank due to the Remitter’s failure to notify the Bank of a change of address;
  20. The Remitter may suspend, cancel or terminate his/her use of EPRC Service by giving prior notice to the Bank. The suspension of EPRC Service applies only to EPRC Service and shall not apply to cancellation or suspension of the Remitter’s various existing Bank accounts and other Bank services (e.g. Yen Savings Account, other Remittance Services).
  21. The Bank shall not be liable for the Remitter’s to use EPRC Service for any unauthorized actions or transactions using his/her EPRC, or for any other cause beyond the Bank’s control, such as, but not limited to, problems due to line problem, computer hardware or software (including viruses or bugs) or related/incidental problems that may be attributed to the services by Japan Post Bank, any other services provider or information service provider.
  22. The Bank may amend the service hours, charges and other contents of EPRC Service or EPRC Terms and Conditions at its sole discretion. The effective date of intended amendment shall be set out in the notification, with adequate transition period of more than one month.

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