SMBC account and SMBC Nisa? SBI?

[RetroNewbie]

I've had to open an SMBC account because that's what's needed for my salary.
I noticed that they had a Tsumitate NISA, so I opened one of those since it seemed easy and it was something I'd been meaning to do for a long time.

But recently I've seen several things mentioning SBI Securities NISAs and getting points, etc.. and it seems like something you can do from your SMBC account/app, but more complex.

So I'm wondering if I should look into moving to the SBI Securities Tsumitate NISA, or just leave the SMBC one running?

PS/ I guess I'm also going to have to do the Olive 'upgrade', but the fact it's all in-app and in Japanese makes it kinda daunting.

[beanhead]

General advice is to use a 'proper' brokerage, preferably a low-cost one, for investing. Keep the bank accounts for receiving salary etc.

If you have already set up NISA for this year and started funding it, leave it as it is. But set up an account at SBI or Monex or Rakuten now so that you can fund NISA in 2024 from a 'better' brokerage account.
Better in this case means more product options and lower costs than SMBC, generally.