【ネオモバ】SBIネオモバイル証券のデメリットを評価!使ってわかったことまとめ

SBIネオモバイル証券のデメリットを解説 投資

これからSBIネオモバイル証券で株を購入してみたいけど、デメリットや使いにくい点があったら嫌だなと心配している方へ

この記事では実際にSBIネオモバイル証券で株を購入したことがある私がSBIネオモバイル証券デメリットをお伝えしていきたいと思います。

ネオモバイル証券は本当に初心者にぴったりな株取引サービスです。

貯金鬼こおどり
貯金鬼こおどり

株ってこんなに簡単に買えるんだ!っていう感覚を体験してこれからの投資ライフに役立ててほしいですね!

SBIネオモバイル証券のデメリット

SBIネオモバイル証券はとても使いやすく株が楽に買える素敵なサービスです。

ですがSBIネオモバイル証券にもデメリットがあります。

SBIネオモバイル証券のデメリット
  1. 毎月もらえるTポイントには利用制限がある
  2. 取引のない月もサービス利用料が発生する
  3. NISA・積立NISAには非対応
  4. 外国株の取り扱いはなく日本株のみ
  5. 好きなタイミングで売買はできない
  6. 単元未満株の場合は成り行きの注文のみ

デメリットをズラッと上げましたが、それに勝るメリットもあります!!

デメリット①毎月もらえる期間固定Tポイントには利用制限がある

SBIネオモバイル証券は月額使用量が合計50万円までは200円(税抜)の手数料で売買することができ、サービス利用料の200円(税抜)分の期間固定Tポイントが毎月もらえます。

そのためネオモバは実質無料!と言われているのですが、実際は少しだけ違っています。

毎月もらえる期間固定Tポイントには使用に制限が設けられています。

毎月もらえる期間固定Tポイントの制限
  • 月額使用料には使うことができない(カードで決済される)
  • ネオモバ以外には使用できない
  • 使用期限が付与された月の翌月最終日まで

毎月もらえるTポイントは月額使用料に使うことができません

そのため毎月確実クレジットカードでサービス利用料は決算されるので手数料無料とは言い切れないかなと思います。

ただし他の証券会社と比較してみても50万円までの取引が月額利用料200円(税抜)なのはとても安いですし、 使用期限が付与されている場合も、毎月株を購入し、売却すれば現金化できるので特にデメリットには感じません。

期間固定Tポイントは、株の取引以外には使用できないという点も株を200円分買えると考えれば、価値が上がる可能性も含んでいるのでそれほど気になりません。

貯金鬼こおどり
貯金鬼こおどり

もらえるTポイントに制限はあるものの気にならない程度のものでした!

デメリット②取引のない月もサービス利用料が発生する

SBIネオモバイル証券では取引のない月でもサービス利用料として月額200円(税抜)がかかってしまいます!

貯金鬼こおどり
貯金鬼こおどり

ええ!そんなの困る!取引しない月は損じゃないかという声が聞こえて来そうですが、、、安心してね!

SBいネオモバイル証券ではいつでも利用停止の申請ができます!

そのため来月はなにも注文しないなと思うときには「サービス利用を一時停止する」ということが可能です。

申請は月末の最終営業日15時までに申し込みをすれば、翌月よりサービス利用料はクレジットカードに加算されません。

また利用したくなったら利用再開の申請をすればいつでも利用が再開されますよ^^

というわけでいつでも月額の利用料はストップすることができるので安心して使っていけると思います。

ちなみに利用停止中でも株主優待や配当金は受け取れるので安心してくださいね

デメリット③NISA・積立NISAには非対応

SBIネオモバイル証券は「NISA」と「積立NISA」には現在非対応です。

そのため非課税枠での投資は別の証券口座で投資信託行っていくのが良いと個人的には思っています^^

SBIネオモバイル証券では個別株投資を始めるステップや分散重視の高配当株を購入していくという使い方がおすすめかなと思っています。

私は楽天証券で積立NISA枠の33,333 円分を毎月eMAXIS Slim 米国株式(S&P500)を積み立てています。

デメリット④外国株の取り扱いはなく日本株のみ 

SBIネオモバイル証券には外国株の取り扱いはありません。日本株のみの扱いです。

そのため外国株を少額ずつ買いたいというニーズは満たせていませんが、日本株でも現在4,107件もの株を取り扱っているので投資先に困ることはまずないかなと思います。

ネオモバのコンセプトが初心者でも少額から簡単に!なので外国株はなくても初めてのステップだと考えれば問題ないのかなと思います。

更に興味がでてきたら、SBI証券や楽天証券など口座を開設して購入していくと良いですね^^

デメリット⑤好きなタイミングで売買はできない

SBIネオモバイル証券では株の注文を出した後、実際に購入に至るまでにタイムラグがあります。

私はこれを初め知らなかったので、「あれ!?なんで注文されてないんだ!?」とパニックなっていました。笑

ネオモバではどの時間に注文を行ったかで、買付または売却が変わってきます。

注文時間/約定タイミング
  • 0:00~10:30 / 当日の後場始値
  • 10:30~21:30 / 翌営業日の前場始値
  • 21:30~24:00 / 翌営業日の後場始値

※土、日、祝日のご注文は休み明けの営業日10:30までのご注文として受け付けます。※注文を取消する場合も上記注文時間帯となります。

約定結果は、約定後、通常20分~30分後に画面で確認ができます。

市場の取引時間

東京証券取引所
9:00~11:30(前場)
12:30~15:00(後場)
※土日・祝祭日は除く

つまり今日の朝9時に買いの注文をした人はすぐに株が買えるわけではなく、12:30になって買付が行われるということになるんです!

つまり短期間の売買を目的に行う株取引には向いておらず、中長期の取引にピッタリの証券口座になっています。

デメリット⑥単元未満株は成行注文しかできない

SBIネオモバイル証券では単元未満株の場合は成行注文のみとなっています。

株を購入するとき、通常の証券会社の取引では指値といって、値段がいくらになったら注文してね。という金額を決めて売買ができるんです。

ですが、SBIネオモバイル証券では単元未満株の場合はそれができません。

そもそも単元未満株とは?

通常の取引所での株取引では、銘柄ごとに1,000株/口、100株/口など売買の最低単位である単元株数が決まっています。

S株(単元未満株)では、単元株数に関らず1株から取引ができます。 また、いわゆる「ミニ株」は単元株数の1/10単位での取引となりますが、S株(単元未満株)なら1/100、1/1,000単位などで取引ができ、より機動的な投資が可能です。

単元未満株は成行注文しかできないというデメリットも、超中期の投資スタイルであればまったく気にならないと思います。

逆を返せばこの金額なった時に買おう!と意気込むほど買えなかったりするものなので、成行だけでも長い目で見れば不自由なく取引を行えると思います。

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