Onebank to ANA Pay Is Back: Count SFC Spend Twice

📖Guide

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PR | This article contains an Onebank referral code. Everything below follows the official pages of ANA, Onebank and each card issuer, checked on November 6, 2026.

On November 4, 2026, Japanese points bloggers confirmed that the Onebank (ワンバンク, formerly B/43) prepaid Visa can top up ANA Pay again, both by entering the card number in ANA Pay and through Apple Pay. The same route opened briefly in February, when Onebank added Apple Pay, and closed soon after. In November it opened again.

This matters because from April 2028 ANA splits the Super Flyers Card (SFC) into SFC PLUS and SFC LITE, based on whether your yearly ANA Card plus ANA Pay spending reaches ¥3 million. ANA states that ANA Pay top-ups made with an ANA Card do not count. Put Onebank in the middle, and your ANA Card charge counts once, then the ANA Pay purchase counts again. Below is every rule, taken from ANA and the card issuers’ own pages.

Onebank to ANA Pay: what reopened

Onebank is a budgeting app with a Visa prepaid card, run by SmartBank. It was renamed from B/43 on March 24, 2025, and the card works with Apple Pay and Google Pay. The timeline with ANA Pay:

Onebank’s own rules (official):

The SFC ¥3M rule: what counts and what doesn’t

ANA announced the SFC changes in April 2026 and revised them in September. The ¥3M threshold stayed; the revision mainly changed lounge access for SFC LITE. The schedule:

What counts (from ANA’s FAQ)

The wording of ANA’s FAQ is what makes this work. It first says taxes, investment plans and top-ups to QR payment apps other than ANA Pay all count, then adds “everything other than the amounts listed below counts” (as of October 23, 2024) before listing the exclusions. Onebank and JAL Pay top-ups are not among them, so under the current rules they count.

Refunds are deducted from the review period total, and spending before a change of card brand generally does not count. Keep the same card and the same membership number through the review period.

SFC PLUS vs SFC LITE (after the September 2026 revision)

Missing ¥3M does not cancel your SFC; you get SFC LITE the next year. Members with 1 million ANA Lifetime Miles are SFC PLUS regardless of spending (the 5,000-mile bonus still needs ¥3M). SFC LITE members who also hold Bronze status can use miles to enter lounges even at busy times, and ANA Card Premium primary members can use domestic lounges as a card benefit.

How the double count works

The same money goes once around through Onebank and leaves two transactions on ANA’s side:

At the ANA Pay limit

In other words, ¥1.5M of real spending leaves ¥3M on ANA’s books. ANA Pay takes ¥300,000 a month, so up to ¥3.6M a year can pass through it. Everything else you simply pay with your ANA Card.

How much you need to spend in a year

Counted amount = what you actually spend in the year + the part routed through Onebank → ANA Pay. Working backwards:

¥1.5M a year is the floor. At that level all of your spending goes through Onebank and out through ANA Pay; at ¥300,000 a month that takes five months at the fastest.

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Which route for which card

Whether the first step (the card top-up) earns points depends on each issuer’s exclusion list. Here is each card, going by the official lists.

For cards that earn nothing on the top-up (such as Amex), the value is the double count plus 0.5% in miles when you pay with ANA Pay. Onebank cards are issued by SmartBank, so SMBC’s exclusion for “prepaid cards issued by SMBC” does not apply either.

Limits and fees

The tightest point on the whole route is ANA Pay’s ¥300,000 a month; every other step allows more.

For JAL Pay itself, including Apple Pay use, see JAL Pay × Apple Pay points back.

Step-by-step setup

1. Download Onebank and sign up with a referral code: enter the code at sign-up and add ¥1,000 or more to get ¥300 in balance (you cannot add it later)
2. Verify your ID in Onebank: without it, card top-ups are capped at ¥120,000 a month and the balance at ¥100,000
3. Add your ANA Card and top up: in the app, カード → すべての入金方法 → クレジット / デビットカード, then pass 3D Secure
4. Verify your ID in ANA Pay: the monthly top-up limit rises from ¥100,000 to ¥300,000
5. Set Onebank as an ANA Pay funding source: register the Onebank card number under チャージ in ANA Pay, or add Onebank to Apple Wallet and choose Apple Pay
6. Start with a small top-up: once it shows in your ANA Pay balance, top up what you need
7. Pay with ANA Pay day to day: convenience stores, supermarkets and drugstores that take iD or Visa contactless, plus online Visa merchants
8. Keep a record: note top-ups and ANA Pay purchases separately. ANA’s ご利用実績照会 page shows your counted spending (except Amex; see below)

Before you start

• Top up as you go. In February the route closed soon after it opened. Move only what you will spend soon into ANA Pay, and don’t build up a large balance (ANA Pay caps it at ¥300,000 anyway)
• It counts under the current rules. The FAQ on what counts is dated October 23, 2024. In its SFC FAQ, ANA says no specific new changes have been decided, and any future changes will be announced with ample notice
• Use ANA Pay for everyday shopping. ANA Pay’s FAQ lists, as payments it generally cannot be used for, buying prepaid cards or e-money and other cash-like items, and paying top-up charges. Gas stations, hotels, vending machines and subscriptions are in the same group
• Amex spending shows once a year. ANA’s FAQ says American Express amounts are reflected once a year, around mid-February, and are not shown before then. Keep your own record
• Onebank money stays in. Balance added by card cannot be withdrawn, and top-ups cannot be cancelled. Add only what you plan to spend
• Spending now doesn’t count yet. Anything before December 16, 2026 is outside the first review. Until then, this route only earns the 0.5% in miles from ANA Pay

Other spending that counts toward ¥3M

Besides the Onebank route, ANA’s FAQ explicitly counts:

• Taxes paid with an ANA Card
• Investment plans paid by ANA Card. See credit card investment plans for points
• Top-ups to QR payment apps other than ANA Pay, such as Mastercard, JCB or Diners into JAL Pay and then on to ANA Pay
• Family cards: family members’ ANA Card spending, and ANA Pay paid under a family member’s number, are added to the primary member

IDARE balance can also move to ANA Pay through Onebank. See the IDARE guide for IDARE itself.

Beyond ANA: other everyday Onebank routes

Onebank’s real strength is that it turns a credit card limit into a Visa prepaid balance. Uses your card issuer won’t reward or count, such as Suica or ANA Pay top-ups, earn points and count toward yearly spend once Onebank sits in the middle. And at shops in Japan that don’t take Amex, Onebank lets you pay with Visa instead.

If you are about to get an Amex, the Gold Preferred earns 170,000 points in total when you apply by referral (as of November 2026; conditions apply, including ¥2 million in spending within six months). You can request a referral link through the form behind the button below.

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AMEX Gold Preferred CardBonus:Up to 170,000 points via referralGet a referral link via a form (1 min)

FAQ

Q. Can Onebank still top up ANA Pay?

Yes. On November 4, 2026, top-ups worked both with the card number registered in ANA Pay and through Apple Pay, and they were still working on the evening of November 6. Start with a small amount, confirm it arrives, then add what you need.

Q. Does topping up Onebank with an ANA Card count toward the SFC ¥3M?

Yes. ANA’s FAQ counts taxes, investment plans and top-ups to QR payment apps other than ANA Pay, and says everything other than the listed exclusions counts. The exclusions are ANA Pay top-ups from an ANA Card, built-in e-money, fees and cash advances; Onebank top-ups are not among them.

Q. Do direct ANA Pay top-ups from an ANA Card count?

No, for primary and family members alike. ANA does add miles for them: per ¥1,000, 1 mile on regular cards, 6 on Gold and 11 on Premium.

Q. How many miles does paying with ANA Pay earn?

1 mile per ¥200 (0.5%), however you topped it up. The amount you pay counts toward your yearly SFC spending.

Q. Does an Amex top-up to Onebank earn points?

No. Amex’s list of transactions that earn no points includes Onebank, IDARE and au PAY balance under payment service top-ups, and it applies to ANA Amex co-branded cards.

Q. Do SMBC’s ANA VISA and Mastercard earn points on Onebank top-ups?

Yes. SMBC’s V Point exclusions for top-ups are Suica, PASMO, ICOCA, Rakuten Edy, WAON, nanaco, ANA Pay and similar, plus prepaid cards issued by SMBC. Onebank is not on the list, and its card is issued by SmartBank.

Q. What about JCB and Diners SFC cards?

Both go through JAL Pay. JAL Pay top-ups are free with JCB and Diners, and from there an ANA Pay top-up keeps the double count. JCB gives no points on JAL Pay top-ups, and Onebank does not accept Diners.

Q. How much can count each month?

ANA Pay allows ¥300,000 a month after ID verification, so up to ¥600,000 a month counts toward SFC (¥300,000 top-up plus ¥300,000 spent). Onebank allows ¥1,000,000 a month by card.

Q. How much do I need to spend in a year to reach ¥3M this way?

¥1.5M is the floor. The counted amount is your real spending plus the part routed through ANA Pay, so ¥1.5M spent entirely this way gives ¥1.5M + ¥1.5M = ¥3M. Spend ¥2M and route ¥1M, or spend ¥2.5M and route ¥0.5M.

Q. Does spending now count?

No. The first review period runs from December 16, 2026 to December 15, 2027, and sets your tier from April 1, 2028.

Q. Will I lose my SFC if I miss ¥3M?

No. ANA’s FAQ says your membership is not cancelled; you receive SFC LITE the next year, and tiers are reviewed every year.

Q. Besides ANA Pay, what else is Onebank good for?

The most practical route is SMBC card → Onebank → Mobile Suica. A direct Suica top-up earns no points and doesn’t count toward yearly spend; through Onebank it does both. Onebank also helps with SMBC Gold (NL)’s ¥1M target, with Amex spend targets (it lets you pay as Visa), and as an exit for IDARE and other balances at gas stations and on Suica.

Q. Do SMBC card top-ups to Onebank count toward SMBC’s yearly spend?

Yes. SMBC’s exclusion list as of March 1, 2026 covers au PAY, Kyash, JAL Pay, Bandle Card, ANA Pay and e-money such as Suica; Onebank is not on it.

Q. Can I top up other e-money with my ANA Pay balance?

Better not. ANA Pay’s FAQ lists buying prepaid cards or e-money and other cash-like items, and paying top-up charges, as payments it generally cannot be used for. Use ANA Pay for everyday shopping.

• ANA: ANAスーパーフライヤーズカードのサービスについて
• ANA FAQ: taxes, investment plans and QR payment top-ups
• ANA FAQ: when ANA Card spending is reflected (Amex once a year)
• ANA Pay: top-up methods and limits · payment methods and miles · where it can be used
• Onebank: card top-ups · where the card can’t be used
• Onebank: funding methods · rewards pocket · Payment Services Act disclosures
• American Express: transactions without points · Gold Preferred Free Stay Gift (PDF)
• Marriott Bonvoy Amex · Marriott Bonvoy Amex Premium
• SMBC: transactions without V Points · changes to yearly spend counting (Mar 2026)
• JCB: transactions without J-POINT
• JAL Pay: top-ups · suspension of ANA Pay top-ups of ¥20,000 or less
• PayPay: other-company card vouchers
• happynap (Nov 4 test) · サイドバー シーナ · mileage-traveller: IDARE → Onebank