The present invention is designed so that it is possible to communicate adequately depending on user terminal-specific capabilities, in a system where wide frequency bands are supported. A user terminal has a receiving section that receives band information, which indicates a prospective downlink (DL) band, which is a band where a DL signal might be allocated, and/or a prospective uplink (UL) band, which is a band where a UL signal might be allocated, and a control section that configures the DL band candidate and/or the UL band candidate in a user terminal-specific manner based on the band information.