Savings App finbee Launches New "Credit Card Advance Savings" Feature Linked to Credit Card Payments
Nest Egg Inc., developer and operator of the savings app "finbee," will launch "Credit Card Advance Savings" on May 12, 2026. This new feature automatically sets aside funds for the next month's credit card payments by referencing credit card usage, aiming to alleviate users' financial anxieties.
📋 Article Processing Timeline
- 📰 Published: May 13, 2026 at 00:30
- 🔍 Collected: May 12, 2026 at 16:02
- 🤖 AI Analyzed: May 12, 2026 at 16:46 (44 min after Collected)
Nest Egg Inc. (Head Office: Chiyoda-ku, Tokyo; President: Masashi Kawaguchi), which develops and operates the savings app "finbee," will begin offering "Credit Card Advance Savings" (patent pending) from May 12, 2026. This new feature allows users to automatically set aside funds for the next month's payments by referencing the amount of their credit card transactions.
"Credit Card Advance Savings" Usage Image
■ Background and Challenges
The cashless payment ratio is increasing year by year, with 58.0% (162.7 trillion yen) of people using some form of cashless payment, of which credit card usage accounts for the top 82.7% (134.6 trillion yen) (*). With credit card usage accounting for over 80% of cashless payments, users face psychological burdens such as "it's convenient, but the next month's payment amount is unclear" and "my account balance is tight every month, and I'm worried if I can pay next month." finbee resolves this anxiety caused by the time lag by "saving the amount spent on the spot." Previously, users could manually set aside the credit card usage amount with one-tap savings, but now a new feature has been released that automatically references credit card usage amounts and sets aside funds in advance.
* Reference: Ministry of Economy, Trade and Industry news release "Cashless Payment Ratio for 2025 Calculated," announced on March 31, 2026.
■ Feature Overview
"Credit Card Advance Savings" is a feature that, by linking your usual credit card with the finbee savings app, automatically secures and saves an amount equal to your credit card usage amount in the app's savings account as soon as the usage details are reflected.
▼ Usage Example
1. Make a 590 yen purchase with a credit card.
2. finbee obtains the 590 yen usage detail information.
3. 590 yen is saved.
Savings Rule Settings Screen
Notification Settings Screen
Since this feature is designed to prepare for credit card payments in the following month, you can also set up notifications from the app to allow for withdrawal of savings before the credit card payment due date.
By utilizing "Credit Card Advance Savings," you can secure the next month's payment amount in a separate section within your bank account, allowing you to use your credit card without rushing on the payment date.
■ Comment from Masashi Kawaguchi, President of Nest Egg Inc.
In an era of accelerating cashless transactions, managing daily payments reliably is also a crucial foundation for a prosperous life. Through this feature, we aim to free users from payment anxieties and provide an environment where they can enjoy consumption and savings more freely and positively.
■ About the Automatic Savings Service "finbee"
finbee is a savings app that enables "visualization of savings" with the concept "Let's start fulfilling days." It allows you to "automatically set aside and manage" money within linked accounts. You can save for "future expenses" such as taxes, travel, and card payments by category, making household financial management easier and more convenient. By setting a deadline, features like round-up savings, accumulated savings, and one-tap savings ensure that you reliably save up to your target amount while living your usual life. It supports savings tailored to users' habits and lifestyles, offering a new savings experience. The service launched in December 2016, and currently connects with 11 banks (as of the end of April 2026), being used by a wide range of people.
Service website URL: https://finbee.jp/
■ About Nest Egg
Amidst significant changes in customer financial behavior and the role of financial institutions driven by Fintech promotion, Nest Egg was established in April 2016 as a subsidiary of Infcurion, which specializes in payment and financial domains. Under the corporate philosophy of "providing new financial services that are close to people's lives to offer dynamism, freedom, and richness to life," the company develops new business support for financial institutions and businesses by utilizing "future demand data" related to "what people want to do and buy" in the near future, acquired through its savings service "finbee," which accompanies customers in realizing their goals, wishes, and dreams.
"Credit Card Advance Savings" Usage Image
■ Background and Challenges
The cashless payment ratio is increasing year by year, with 58.0% (162.7 trillion yen) of people using some form of cashless payment, of which credit card usage accounts for the top 82.7% (134.6 trillion yen) (*). With credit card usage accounting for over 80% of cashless payments, users face psychological burdens such as "it's convenient, but the next month's payment amount is unclear" and "my account balance is tight every month, and I'm worried if I can pay next month." finbee resolves this anxiety caused by the time lag by "saving the amount spent on the spot." Previously, users could manually set aside the credit card usage amount with one-tap savings, but now a new feature has been released that automatically references credit card usage amounts and sets aside funds in advance.
* Reference: Ministry of Economy, Trade and Industry news release "Cashless Payment Ratio for 2025 Calculated," announced on March 31, 2026.
■ Feature Overview
"Credit Card Advance Savings" is a feature that, by linking your usual credit card with the finbee savings app, automatically secures and saves an amount equal to your credit card usage amount in the app's savings account as soon as the usage details are reflected.
▼ Usage Example
1. Make a 590 yen purchase with a credit card.
2. finbee obtains the 590 yen usage detail information.
3. 590 yen is saved.
Savings Rule Settings Screen
Notification Settings Screen
Since this feature is designed to prepare for credit card payments in the following month, you can also set up notifications from the app to allow for withdrawal of savings before the credit card payment due date.
By utilizing "Credit Card Advance Savings," you can secure the next month's payment amount in a separate section within your bank account, allowing you to use your credit card without rushing on the payment date.
■ Comment from Masashi Kawaguchi, President of Nest Egg Inc.
In an era of accelerating cashless transactions, managing daily payments reliably is also a crucial foundation for a prosperous life. Through this feature, we aim to free users from payment anxieties and provide an environment where they can enjoy consumption and savings more freely and positively.
■ About the Automatic Savings Service "finbee"
finbee is a savings app that enables "visualization of savings" with the concept "Let's start fulfilling days." It allows you to "automatically set aside and manage" money within linked accounts. You can save for "future expenses" such as taxes, travel, and card payments by category, making household financial management easier and more convenient. By setting a deadline, features like round-up savings, accumulated savings, and one-tap savings ensure that you reliably save up to your target amount while living your usual life. It supports savings tailored to users' habits and lifestyles, offering a new savings experience. The service launched in December 2016, and currently connects with 11 banks (as of the end of April 2026), being used by a wide range of people.
Service website URL: https://finbee.jp/
■ About Nest Egg
Amidst significant changes in customer financial behavior and the role of financial institutions driven by Fintech promotion, Nest Egg was established in April 2016 as a subsidiary of Infcurion, which specializes in payment and financial domains. Under the corporate philosophy of "providing new financial services that are close to people's lives to offer dynamism, freedom, and richness to life," the company develops new business support for financial institutions and businesses by utilizing "future demand data" related to "what people want to do and buy" in the near future, acquired through its savings service "finbee," which accompanies customers in realizing their goals, wishes, and dreams.