Overview of Services

Inquiry Services

Account Inquiries

1. Access the latest information for accounts held with Mizuho branches:
   • The account balance on a specified date (displays multiple accounts)
   • The account balance history over a specified period of time (closing balances and available balances)
   • Detailed credit/debit information statements for a specified date or period of time
2. Information on accounts held with other banks can also be viewed. (Note: This requires the other bank to provide data to Mizuho Bank.)

Transaction Inquiries

Global e–Banking can be used to access information relating to various transactions with Mizuho branches, such as balances, due dates, and conditions.

• The following data can be accessed via Global e–Banking: Loan balances, guarantees, term deposits, forward foreign exchange contracts, letters of credit, and export/import bills.

Remittance Service

You may use Global e–Banking to make requests for transfers online.

Other Services

Bulletin Board Service

Notices from Mizuho Bank branches are available to the Global e–Banking users.

Message Service

Global e–Banking users may also take advantage of the exclusive message service, which allows them to exchange messages and data with Mizuho in a secure environment within the Global e–Banking system.

For further information regarding the Mizuho Global e–Banking services and related fees, please contact your local Mizuho office.

Features of Global e–Banking

User–Friendly Interface

Global e–Banking allows for easy downloading of account data and easy uploading of remittance requests.

1. Downloading account data and other information

The system allows for downloading of account data, including transaction data.

2. Uploading remittance requests

The system allows for uploading of remittance request data and the approval and sending of such requests.

3. Data format

Downloaded and uploaded data are in the commonly–used CSV text file format (SWIFT–compatible). This will enable easy integration of Global e–Banking data with your company's systems and data.

Global Multi–Access

Multiple users can simultaneously access the system online from anywhere in the world. Operators can simultaneously input data, request account information, and perform other operations, while the approvers can confirm them and take necessary actions in real time regardless of their location.

Multilingual Platform

Labels on the screen can be displayed in Japanese, English, Chinese (either traditional or simplified characters), Korean, Thai, Vietnamese, Indonesian, Spanish, Portuguese, Malay, French, Hindi or German. The operator and approver may use different languages at the same time.

Accessibility and Customer Support

Accessible via the Internet

All Mizuho Global e–Banking services are offered through the Internet.

• No need to install specialized software or buy additional equipment
• Easy to use, with the latest version always available
• Accessible from your home country and from anywhere in the world.

24–hour Customer Support is Available

Customer support is available by telephone 24–hours a day, in English and Japanese.

• Customer support via our Help Desk is available for inquiries from any country.
• International toll–free dialing services are available at all times for any inquiries.

Usage Examples

Global e–Banking makes it possible for the head office of a company to centrally manage the accounts of its overseas subsidiaries, leaving the latter to concentrate on sales, marketing, and other activities. It can also be used to manage non–resident deposit accounts held overseas under the name of the head office.

Global e–Banking is an indispensable tool for those who have established regional headquarters in foreign countries. The Global e–Banking system is useful both when such regional headquarters manage accounts directly under their control and when the head office manages the accounts of its regional headquarters.

Mizuho Global Finance Manager Web

Our comprehensive finance management solution, Mizuho Global Finance Manager Web (MGFM Web), provides you with tools to manage cash pooling, term loans and cash forecasting with a "single sign–on" to the system from Mizuho Global e–Banking. This program is quite suitable for a company (head office [HO] or regional headquarters [RHQ]) controlling cross–border financing facilities of its overseas branches, subsidiaries and affiliates.

1. Cash Pooling Management

MGFM Web extracts debit/credit information of the bank accounts that occurs as a result of cash pooling and creates a report, which helps you effectively manage inter–company loan balances and respective interest among your group companies.

2. Term Loan Management

Current status of various term loan facilities, outstanding amounts, and interest among your group companies can be instantly monitored, making cash management easier for you in approving new term loans.

3. Cash Flow Forecasting Management

The system allows each group company to input its financial forecast and their head office or regional headquarters to use the data to identify the group funding needs and take necessary actions. It can also be used to foresee possible financial issues by comparing actual and forecast figures.

Multi–Bank Cash Concentration Service

Our Multi–Bank Cash Concentration Service (MBCC) is designed to help you manage your liquidity across all accounts, including non–Mizuho bank accounts. The service can be used for all accounts held with banks connected to SWIFT.

As long as the client's primary account banks are members of the SWIFT system, they can be controlled from any designated primary head office and debited without processing a formal request.

Note: A bilateral banking agreement between Mizuho and other participating financial institutions must be established.

• Mizuho can automatically concentrate and distribute funds across its accounts based on pre–determined conditions without a formal request.
• MBCC uses other bank's remittance and balance information services.

Mizuho European Open Banking

Mizuho European Open Banking allows access to accounts held at Mizuho via a Third Party Provider.

Solution Overview

Our Open Banking offering will allow our customers to access their accounts via their chosen Third Party Providers (TPP) e.g. check their Account Balances and Transactions through Account Information Service Providers (AISP), make payments through Payment Initiation Service Providers (PISP) and a Card Based Payments Instrument Issuer (CBPII) can check a customer's account balance.

The Mizuho Open Banking APIs are aligned with the UK Open Banking standards (currently 3.1) and Payment Services Directive 2 (2015/2366): Regulatory Technical Standard (2018/389) from the European Banking Authority. We will revise our offering as and when changes to either standard impact our offering.

Please note that you will need to contact either your Relationship Manager or the email address below in order to obtain credentials so that you can access your accounts held at Mizuho via a TPP.

How to get in touch

Contact us at support@mhbkemea.co.uk and we’ll get back to you as soon as we can

Please refer your developers or Third Party Provider to Mizuho’s Developer Portal
https://developer.mhbkemea.co.uk

Actual Pooling

Our global cash pooling services can be used to transfer funds automatically from your master account to sub–accounts, or vice versa. This facility is suitable for controlling the group companies’ funds in a centralized manner.

Actual pooling is designed to the most efficient liquidity management among the bank accounts. Using it allows you to control these accounts by a) automatically concentrating all the excess funds to the master account and b) distributing funds from the master account to sub–accounts. This enables you to make effective use of the excess funds.

How It Works

ISO 20022 Migration for Cross-Border Payments

SWIFT (Society for Worldwide Interbank Financial Telecommunication), a leading settlement network for foreign remittances, has started to use a new data format, ISO 20022, as a global and open messaging standard for cross-border payments from March 2023.（The current MT format will coexist alongside the new format until November 2025, after which the new format will become mandatory.）
In addition to financial institutions, customers who make foreign remittances are expected to be affected. Below, you can find an overview of ISO 20022, Mizuho's response, and the impact on customers.