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stroke-width="1.5" d="M6.667 11.333 10 8 6.667 4.667"></path></svg><li aria-current="page" class="inline">外貨預金のリスクと注意事項</li></ol></nav></div><main><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[960px]"><div class="flex items-center gap-x-4 pb-8 pt-14"><div><h1 class="text-64px font-bold tracking-[1.28px]">外貨預金のリスクと注意事項</h1></div></div></div></div><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[960px]"><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="はじめる前の注意事項" style="scroll-margin-top:0px">はじめる前の注意事項</h2></div></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="為替リスク" style="scroll-margin-top:0px">為替リスク</h3></div></div><div class="my-6"><div class="break-all text-base text-active"><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">為替相場は変動するため、約定金利と円貨ベースでの実質利回りは一致しません。</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">円高により為替差損が発生した場合には、お引出時の円貨受取額が、お預入時の円貨払込額を下回り、「元本割れ」となる場合があります。</span></li></ul></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="適用為替相場" style="scroll-margin-top:0px">適用為替相場</h3></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">円貨からのお預け入れ</h4><p class="mt-2 whitespace-pre-line">当行所定のTTS（対顧客電信売相場）</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">円貨でのお引き出し</h4><p class="mt-2 whitespace-pre-line">当行所定のTTB（対顧客電信買相場）</p></div></div><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active">TTS・TTBとは：円と外貨を交換する相場には、TTSレートとTTBレートの2つの相場があります。 米ドルの場合で見てみると…［TTM（対顧客電信相場仲値）1米ドル=100円と仮定］</p></div><div class="my-6"><button class="block w-full cursor-pointer border-0 bg-transparent p-0 text-left outline-none"><div class="relative w-full overflow-hidden rounded-xl border border-solid border-borderInput"><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="h-auto w-full" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2Fqu7NXa4obNsiNexrzeLHhD&w=3840&q=75"/></div></button></div><div class="my-6"><div class="flex w-full rounded-lg bg-white p-4 border border-solid border-borderDarkGray"><details class="w-full"><summary class="flex cursor-pointer select-none list-none focus-ring-offset-0 [&::-webkit-details-marker]:hidden"><div class="flex w-full cursor-pointer justify-between focus-ring-offset-0"><div class="flex w-full items-center"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 20 20" class="mr-2 size-5 shrink-0"><circle cx="10" cy="10" r="7.5" stroke="#D53F50" stroke-width="1.5"></circle><path fill="#D53F50" fill-rule="evenodd" d="M11 6.667a1 1 0 1 0-2 0v3.75a1 1 0 1 0 2 0zM10 13a1 1 0 1 0 0 2 1 1 0 0 0 0-2" clip-rule="evenodd"></path></svg><p>ご注意ください</p></div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 25" class="ml-2 flex-none self-center size-6"><path stroke="#D53F50" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m7 11.5 5 5 5-5"></path></svg></div></summary><div class="h-0 overflow-hidden transition-[height,opacity] duration-100 ease-in-out"><div class="w-full border-collapse bg-white"><p class="mt-6 whitespace-pre-wrap text-sm">為替変動がない場合でもTTSとTTBの差（往復の為替手数料に相当し、米ドルの場合1米ドルあたり2円）をご負担いただきますので、為替変動がない場合でも「お引出時の円貨受取額」が「お預入時の円貨払込額」を下回る場合があります。</p></div></div></details></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="為替手数料" style="scroll-margin-top:0px">為替手数料</h3><p class="mt-2 whitespace-pre-line">適用為替相場には、為替手数料が含まれています。TTSは、為替手数料※をTTM（対顧客電信相場仲値）に加算して決定します。TTBは、為替手数料※をTTMから減算して決定します。このため、為替変動がない場合でも「お引出時の円貨受取額」が「お預入時の円貨払込額」を下回る場合があります。</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※為替手数料（片道、1通貨単位あたり）</p></div><div class="my-6"><div><h4 class="font-bold"></h4><div class="mt-4 max-w-[calc(100vw-32px)] overflow-x-scroll md:hidden-scrollbar"><table class="w-full min-w-full max-w-fit table-fixed md:max-w-full"><tbody><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column"></th><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold HeadingMultiColumnTable_not-first-column__zQ7_x">窓口</th><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold HeadingMultiColumnTable_not-first-column__zQ7_x">ATM</th><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold HeadingMultiColumnTable_not-first-column__zQ7_x">インターネットバンキング</th></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">米ドル</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">1円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">0.8円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">0.5円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">ユーロ</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">1.5円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">1.2円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">0.75円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">豪ドル</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">2.5円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">2円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">1.25円</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">NZドル</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">2.55円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">お取扱いできません。</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">お取扱いできません。</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">英ポンド</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">4円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">お取扱いできません。</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">お取扱いできません。</td></tr><tr><th class="whitespace-pre-line border border-solid p-4 text-left align-middle border-white bg-backgroundTableHeader font-bold first-column">スイスフラン</th><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">0.9円</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">お取扱いできません。</td><td class="whitespace-pre-line border border-solid p-4 text-left align-middle border-borderTableCell HeadingMultiColumnTable_not-first-column__zQ7_x">お取扱いできません。</td></tr></tbody></table></div></div></div><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active">その他の通貨については、窓口にお問い合わせください。</p></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※ATMでのお取引については「ATM外貨預金振替サービス」をご覧ください。</p></div><div class="my-6"><span class="group leading-[24.4px] w-fit text-sm"><a href="https://www.chibabank.co.jp/kojin/saving/foreign/atm/" class="flex underline underline-offset-2 hover:no-underline group-hover:border-b-0 group-hover:opacity-70 text-primary">ATM外貨預金振替サービス</a></span></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">手数料等</h4><p class="mt-2 whitespace-pre-line">お預入・お引出方法や通貨により手数料等が異なるため、手数料等の金額や上限額または計算方法をあらかじめお示しすることはできません。 なお、為替手数料のほか、以下のお手続きの場合、手数料を申し受けます（非課税）。</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">お振り替えによるお預け入れ</h4><p class="mt-2 whitespace-pre-line">ひまわりワールドパスポートへのお振り替えの場合、1米ドルあたり1円、1ユーロあたり1.5円</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※米ドル建バースデー外貨預金へのお振り替えはお取り扱いしておりません。 ※同一通貨間・同一名義人間に限ります。</p></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">外貨現金によるお預け入れ・お引き出し</h4><p class="mt-2 whitespace-pre-line">キャッシュチャージ 1米ドルあたり1.5円、 1ユーロあたり2.5円（最低額は1,500円）</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">外貨建ての送金によるお預け入れ</h4><p class="mt-2 whitespace-pre-line">1,500円</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※国内からの被仕向送金の場合、個人名義（個人事業主を除く）の外貨預金への入金の場合は無料となります。 ※他行経由の被仕向送金については、経由銀行手数料をご負担いただく場合があります。</p></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">お振り替えによるお引き出し</h4><p class="mt-2 whitespace-pre-line">米ドル建バースデー外貨預金からのお振り替えの場合、1米ドルあたり1円</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※同一通貨間・同一名義人間に限ります。</p></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">お引出資金の送金</h4><p class="mt-2 whitespace-pre-line">リフティングチャージ 送金額の1/20（0.05）％ （最低額は2,500円）＋外国送金手数料</p></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※外貨普通預金（スーパー外貨通帳のもの）・スーパー外貨定期預金・フリーエンドからのお引き出しの場合、リフティングチャージは無料です（外国送金手数料はお支払いいただきます）。 ※米ドル建バースデー外貨預金からのお引き出しの場合、外国送金手数料のほかに1米ドルあたり1円の手数料をいただきます。</p></div><div class="my-6"><div class="flex w-full rounded-lg bg-white p-4 border border-solid border-borderDarkGray"><details class="w-full"><summary class="flex cursor-pointer select-none list-none focus-ring-offset-0 [&::-webkit-details-marker]:hidden"><div class="flex w-full cursor-pointer justify-between focus-ring-offset-0"><div class="flex w-full items-center"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 20 20" class="mr-2 size-5 shrink-0"><circle cx="10" cy="10" r="7.5" stroke="#D53F50" stroke-width="1.5"></circle><path fill="#D53F50" fill-rule="evenodd" d="M11 6.667a1 1 0 1 0-2 0v3.75a1 1 0 1 0 2 0zM10 13a1 1 0 1 0 0 2 1 1 0 0 0 0-2" clip-rule="evenodd"></path></svg><p>ご注意ください</p></div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 25" class="ml-2 flex-none self-center size-6"><path stroke="#D53F50" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m7 11.5 5 5 5-5"></path></svg></div></summary><div class="h-0 overflow-hidden transition-[height,opacity] duration-100 ease-in-out"><div class="w-full border-collapse bg-white"><p class="mt-6 whitespace-pre-wrap text-sm">・外貨現金での入出金は、米ドル・ユーロに限りお取い扱いします。T／Cでの入出金はお取り扱いしておりません。 ・外貨普通預金（スーパー外貨通帳以外のもの）への入出金の場合は、手数料が異なりますので、窓口までお問い合わせください。 ・お取引店、通貨種類によっては、入出金のお取り扱いが翌営業日以降になる場合があります。外貨現金での出金については、3営業日前までにご連絡ください。 ・米ドル建バースデー外貨預金への外貨現金によるお預け入れはお取り扱いしておりません。 ※くわしくは窓口までお問い合わせください。</p></div></div></details></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="預金保険" style="scroll-margin-top:0px">預金保険</h3><p class="mt-2 whitespace-pre-line">外貨預金は預金保険の対象外です。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="税金" style="scroll-margin-top:0px">税金</h3><p class="mt-2 whitespace-pre-line">居住者である個人の方の税金は次のようになります（2016年4月1日現在）。</p></div></div><div class="my-6"><div class="break-all text-base text-active"><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">利息については、お客さまが居住者である個人の場合は2013年1月1日から2037年12月31日までの25年間のお受け取りに際し、20.315％（所得税および復興特別所得税15.315％、住民税5％）の税金が源泉徴収され、源泉分離課税となります。</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">為替差益が生じた場合は、雑所得として確定申告していただくこととなります。ただし、年収2千万円以下の給与所得者の方で、為替差益を含めた給与所得および退職所得以外の申告すべき所得の合計額が年間20万円以下の場合等については、原則として、所得税にかかる申告は不要です。また、為替差損が生じた場合は、他の黒字の雑所得から控除することができます。</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">なお、外貨預金はマル優制度の適用を受けられません。詳しくは、税務署または税理士等の専門家にご相談ください。</span></li></ul></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="お取扱日・お取扱時間" style="scroll-margin-top:0px">お取扱日・お取扱時間</h3></div></div><div class="my-6"><div class="break-all text-base text-active"><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">銀行休業日および海外市場の休業日にはお預け入れ、ご解約のお取り扱いができません（ただし、外貨普通預金は、海外市場の休業日にもお取引できます。） 。</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">外貨預金の解約については、為替相場の関係上、公示相場を公表次第（通常午前10時15分以降）のお取り扱いとさせていただきます。</span></li></ul></div></div><div class="my-6"><div class="pt-6 md:pt-8"><div class="flex"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="mr-1 mt-[3.5px] size-6 shrink-0 md:mt-[7.5px]"><path fill="#D53F50" d="M10.635 4H19.6v6.704c0 .878-.171 1.748-.504 2.56a6.7 6.7 0 0 1-1.437 2.168 6.6 6.6 0 0 1-2.15 1.447 6.6 6.6 0 0 1-2.534.505h-2.812c-3.041-.011-5.272 1.693-5.272 5.35V24H4V10.7a6.74 6.74 0 0 1 1.945-4.737A6.6 6.6 0 0 1 10.635 4"></path></svg><h2 class="text-22px font-bold md:text-28px" id="リスクと上手に付き合うには" style="scroll-margin-top:0px">リスクと上手に付き合うには</h2></div></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="焦らず長期運用" style="scroll-margin-top:0px">焦らず長期運用</h3><p class="mt-2 whitespace-pre-line">外貨のまま長期で運用すれば、利息によりある程度の為替差損の取り戻しが可能となりますので、為替変動リスクも平準化されます。 短期運用と長期運用には以下のような違いがあります。</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">短期運用</h4><p class="mt-2 whitespace-pre-line">短期的な為替相場の変動の影響を受けるため相場変動の幅は比較的大きくなる傾向にあります。 そのため大きなリターンを期待できる反面、大きなリスクを伴います</p></div></div><div class="my-6"><div class=""><h4 class="font-bold" style="scroll-margin-top:undefinedpx">長期運用</h4><p class="mt-2 whitespace-pre-line">長期的には為替相場の変動は平準化されるため平均リターンは変動幅が比較的小さくなる傾向にあり、安定した運用成果が期待できます。 また、高金利通貨の場合、高い複利効果も期待できます。</p></div></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="通貨の特徴をとらえる" style="scroll-margin-top:0px">通貨の特徴をとらえる</h3><p class="mt-2 whitespace-pre-line">以下の代表的な3通貨については、一般的に以下の特徴があるとされています。</p></div></div><div class="my-6"><div class="break-all text-base text-active"><div class="mb-4 font-bold">米ドル</div><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">世界の基軸通貨として流通している</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">海外旅行などで外貨現金として使いやすい</span></li></ul></div></div><div class="my-6"><div class="break-all text-base text-active"><div class="mb-4 font-bold">ユーロ</div><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">米ドルに次いで第二の基軸通貨として地位を確立</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">イギリスを除くEU主要国の統一通貨</span></li></ul></div></div><div class="my-6"><div class="break-all text-base text-active"><div class="mb-4 font-bold">豪ドル</div><ul><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">比較的高金利の通貨として注目を集めている</span></li><li class="mb-1 grid list-none" style="grid-template-columns:minmax(1ch, auto) 1fr"><span class="justify-self-end mx-1 font-bold md:mr-1.5">・</span><span class="whitespace-pre-line">為替相場の変動が比較的大きい</span></li></ul></div></div><div class="my-6"><p class="text-xs text-inactive line-clamp-3 block whitespace-pre-line break-words">※本項は、お客さまへの情報提供を目的としたものであり、上記3通貨、あるいは3通貨のうち特定の通貨への投資をお勧めするものではありません。</p></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="余裕資金で運用" style="scroll-margin-top:0px">余裕資金で運用</h3><p class="mt-2 whitespace-pre-line">外貨預金には為替リスクがつきものなので、日常使う資金や使いみちが決まっている資金ではなく、当面使わない余裕資金を外貨で運用しましょう。</p></div></div><div class="my-6"><button class="block w-full cursor-pointer border-0 bg-transparent p-0 text-left outline-none"><div class="relative w-full overflow-hidden rounded-xl border border-solid border-borderInput"><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="h-auto w-full" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fchiba-bank-prd.imagewave.pictures%2FqDYakz7SadY9UNPbArPvz4&w=3840&q=75"/></div></button></div><div class="my-6"><p class="whitespace-pre-line break-words text-base text-active">2025年6月25日現在</p></div><div class="my-6"><div class="pt-4"><h3 class="text-lg font-bold" id="関連情報" style="scroll-margin-top:0px">関連情報</h3></div></div><div class="my-6"><span class="group leading-[24.4px] w-fit text-sm"><a href="https://www.chibabank.co.jp/kinri" class="flex underline underline-offset-2 hover:no-underline group-hover:border-b-0 group-hover:opacity-70 text-primary">金利一覧</a></span></div><div class="mb-6 mt-12 md:mt-14"><div style="height:162.4px"><div class="absolute right-0 z-[9] mx-[calc(50%-(100dvw-var(--scrollbar-width,0px))/2)] w-dvw-no-sb"><div class="rounded-br-[32px] rounded-tl-[32px] bg-primary px-6 py-12 md:px-4 md:py-14"><div class="mx-auto md:flex md:max-w-[960px] md:items-center md:gap-14"><h2 class="min-h-[31px] whitespace-pre-line break-all text-26px font-bold text-white md:mb-0 md:flex-1 md:text-36px">口座開設のお申込・ご相談</h2><div class="flex flex-col gap-6 mt-12 md:mt-0 md:flex-1"><a class="flex justify-center items-center gap-x-2 border bg-white border-solid border-borderDarkGray text-primary hover:border-primary font-bold min-h-12 w-full rounded-full px-4 py-2 focus:outline-none focus:ring-[3px] focus:ring-offset-4 focus:ring-white focus:ring-offset-primary break-all bg-white" href="http://sasp.mapion.co.jp/b/chibabank/"><span class="flex max-h-[44.8px] gap-x-2 overflow-hidden leading-[1.4]"><span class="inline">店舗を探す<svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 24" class="pointer-events-none ml-1 inline-block size-6 align-sub"><path fill="#D53F50" fill-rule="evenodd" d="M13.773 4a.75.75 0 0 0 0 1.5h3.666l-.443.443-5.58 5.579-.014.015-.932.933a.75.75 0 0 0 1.06 1.06l6.527-6.527.443-.442v3.666a.75.75 0 0 0 1.5 0V4.75a.75.75 0 0 0-.75-.75zM4 7.25a.75.75 0 0 0-.75.75v12c0 .414.336.75.75.75h12a.75.75 0 0 0 .75-.75v-6a.75.75 0 0 0-1.5 0v5.25H4.75V8.75H10a.75.75 0 0 0 0-1.5z" clip-rule="evenodd"></path></svg></span></span></a><a class="flex justify-center items-center gap-x-2 text-white bg-primary hover:bg-[#D53F50B2] font-bold min-h-12 w-full rounded-full px-4 py-2 focus:outline-none focus:ring-[3px] focus:ring-offset-4 focus:ring-white focus:ring-offset-primary break-all border border-solid border-white hover:bg-[#E27985]" href="https://www.chibabank.co.jp/shop/holiday/"><span class="flex max-h-[44.8px] gap-x-2 overflow-hidden leading-[1.4]"><span class="inline">休日営業店舗のご案内</span></span></a></div></div></div></div></div></div><div class="my-6"><div class="flex w-full rounded-lg bg-white p-4 border border-solid border-borderDarkGray"><details class="w-full"><summary class="flex cursor-pointer select-none list-none focus-ring-offset-0 [&::-webkit-details-marker]:hidden"><div class="flex w-full cursor-pointer justify-between focus-ring-offset-0"><div class="flex w-full items-center"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 20 20" class="mr-2 size-5 shrink-0"><circle cx="10" cy="10" r="7.5" stroke="#D53F50" stroke-width="1.5"></circle><path fill="#D53F50" fill-rule="evenodd" d="M11 6.667a1 1 0 1 0-2 0v3.75a1 1 0 1 0 2 0zM10 13a1 1 0 1 0 0 2 1 1 0 0 0 0-2" clip-rule="evenodd"></path></svg><p>ご注意ください</p></div><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 24 25" class="ml-2 flex-none self-center size-6"><path stroke="#D53F50" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m7 11.5 5 5 5-5"></path></svg></div></summary><div class="h-0 overflow-hidden transition-[height,opacity] duration-100 ease-in-out"><div class="w-full border-collapse bg-white"><p class="mt-6 whitespace-pre-wrap text-sm">・為替リスク： 為替相場は変動するため、約定金利と円貨ベースでの実質利回りは一致しません。円高により為替差損が発生した場合には、お引出時の円貨受取額がお預入時の円貨払込額を下回り「元本割れ」となる場合があります。 ・適用為替相場： 円貨からのお預入時には当行所定のTTS（対顧客電信売相場）、円貨でのお引出時には当行所定のTTB（対顧客電信買相場）を適用します。為替相場に変動がない場合でも、TTSとTTBの差（往復の為替手数料に相当し、1米ドルあたり2円、1ユーロあたり3円、1豪ドルあたり5円、1NZドルあたり5円10銭、1英ポンドあたり8円、1スイスフランあたり1円80銭。その他の通貨については、窓口にお問い合わせください）をご負担いただきますので、為替相場に変動がない場合でも、お引出時の円貨受取額がお預入時の円貨払込額を下回る場合があります。</p></div></div></details></div></div><h2 class="mt-12 text-22px font-bold md:mt-14 md:text-28px">キャンペーン・プラン</h2><div class="mt-6"><div class="w-full h-[calc(370px+24px+40px)] md:h-[calc(334px+24px+40px)]"><div class="flex h-full items-center justify-center"><div class="h-[40px]"><div class="size-full"></div></div></div></div></div></div></div><div class="flex justify-center px-4 bg-white"><div class="w-full max-w-[960px] py-12 md:py-14"><div class="mt-12 md:mt-14"><h2 class="mb-6 text-22px font-bold tracking-[0.44px] md:text-28px md:tracking-[0.56px]">関連ブログ</h2><div class="w-full h-[calc(370px+24px+40px)] md:h-[calc(334px+24px+40px)]"><div class="flex h-full items-center justify-center"><div class="h-[40px]"><div class="size-full"></div></div></div></div></div><div class="mt-12 md:mt-14"><h2 class="mb-6 text-22px font-bold tracking-[0.44px] md:text-28px md:tracking-[0.56px]">セミナー・イベント</h2><div class="w-full h-[calc(221px + 24px + 40px)] md:h-[calc(259px+24px+40px)]"><div class="flex h-full items-center justify-center"><div class="h-[40px]"><div class="size-full"></div></div></div></div></div><div class="mt-12 md:mt-14"><h2 class="mb-6 text-22px font-bold tracking-[0.44px] md:text-28px md:tracking-[0.56px]">よくあるご質問</h2><div class="w-full min-h-auto"><div class="flex h-[92px] items-center justify-center"><p class="text-center">現在、外貨預金のリスクと注意事項に関連するよくあるご質問はございません</p></div></div></div><div class="mt-12 md:mt-14"><h2 class="mb-6 text-22px font-bold tracking-[0.44px] md:ml-0 md:text-28px md:tracking-[0.56px]">関連リンク</h2><div class="w-full h-[calc(170px + 24px + 40px)] md:h-[calc(186px+24px+40px)]"><div class="flex h-full items-center justify-center"><div class="h-[40px]"><div 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