■Main functions
- Manage current balances and deposit/withdrawal details for multiple financial services such as banking, credit cards, securities, and points.
- Automatically classify and display expenditure details by category.
- Notify credit card withdrawal dates and amounts in advance.
- Set budgets for monthly expenditures and expenditures by category. Notify when budgets are approaching or reached.
- Set to receive notifications each time a transaction occurs for each category.
- "Goal Support" function allows you to simulate the achievement of your life goals based on your savings amount and available savings amount.
- "Household Management Support" function allows you to set budget amounts and monthly savings targets and visualize budget balances by category.
* "Goal Support" and "Household Management Support" are functions available with the "Future of Money" service.

■Security
- Launch the app by entering a passcode (4 digits) or biometric authentication (face/fingerprint). In the case of biometric authentication, your identity is authenticated using biometric information (face/fingerprint) registered on your smartphone device, so you can rest assured. *Biometric authentication may not be available depending on the device you are using.

-Financial service account numbers and credit card numbers are displayed with some of them masked.

-You can switch between showing and hiding your asset balance on the home screen.

■Comprehensive support
-A 2 minute 49 second video explains how to set up the account.

*You can watch the video at the following URL.

https://www.jp-bank.japanpost.jp/app/app_yuchoreco/manual.html?ui_medium=yr_2025020503&ui_source=yr&ui_campaign=oth

-Chat inquiries are available 24 hours a day, 365 days a year.

An AI (artificial intelligence) operator will automatically respond to inquiries about "Yucho Reco" entered by the customer.

*Service may be suspended due to system maintenance, etc.

*For inquiries and frequently asked questions via chat, please check the following URL.
https://www.jp-bank.japanpost.jp/app/app_yuchoreco.html?ui_medium=yr_2025020504&ui_source=yr&ui_campaign=oth#yuchoreco_chat

■Recommended for those who:
・Want to check the details of multiple financial services, deposits and withdrawals, etc. in one app
・Want to keep a free household ledger
・Want to receive notifications when the amount of credit card withdrawals is decided
・Want to register and manage cash on hand in the app
・Want to organize assets by understanding the balance of each financial institution
・Want to check expenses and income in graphs and lists
・Want to improve household finances by checking the trends in expenses and income
・Save by checking the breakdown of expenses and income I want to
・I want to check my expenses by category, such as food, communication, and utility expenses.
・I want to review my income and expenditures when my income changes, such as when I get a job, change jobs, or retire.
・I want to check how much I spend on what each day.
・I want to know my total assets.
・I want to improve my income and expenditures in preparation for large expenses such as moving, buying a car, traveling abroad, and education expenses.
・I want to keep a household account book on my smartphone instead of writing it by hand.
・I want to set a monthly budget and manage my expenses within that budget.
・I want to receive notifications when transactions occur in specified categories, such as paying electricity bills.
・I want to know the expenses required for each life event and save money in a planned manner.

■Notes
・To use this service, you must install the app, complete the initial settings, and agree to the terms of use.
・Customer information will be obtained through the Moneytree service provided by Moneytree Co., Ltd.
・An email address is required when registering. A verification code will be sent to the email address you entered when registering your account.
・Never tell anyone else the verification code.
・When setting a password, avoid using numbers or characters that can easily be identified by a third party, and keep it strictly managed so that it is not known to others.

・The service is free to use, but customers are responsible for communication charges required for installing the app and obtaining data.

・To keep you logged in unless you log out, you can start the app using biometric authentication (face or fingerprint) or a passcode (4 digits). 　
　※Biometric authentication may not be available on some devices. 　
　※When logging in again, you will need to enter the registered email address and password.

・You cannot use multiple accounts simultaneously on one device. (After logging out once, you can log in with a different account.)

■About Moneytree
Yucho Reco uses Moneytree LINK®︎ from Moneytree Co., Ltd. to list information on financial services that customers are using.

For information on security measures taken by Moneytree Co., Ltd., please see the following page.

Safety of Moneytree
https://getmoneytree.com/jp/app/security-and-privacy