국민은행 한도제한계좌 해제more content
service
Reading time 4 minutes
What is a limited account?
A limit account refers to an account with restricted transfer and withdrawal limits because the purpose of financial transactions has not been confirmed. This is a system introduced to prevent the opening of cannon accounts that are used for financial fraud. Once an account is set to have a limited limit, you can only transfer up to 300,000 won per day through the banking app. This caused inconvenience to customers in financial transactions.
To reduce inconvenience in financial transactions, the daily transaction limit for limit-limited accounts has been raised from May 2, 2024. However, the transaction limit will only be increased for accounts opened after March 2, 2016, and the limits for accounts opened before then will remain the same.
We will take a look at how much the transaction limit has increased and introduce how to convert a limit account to a regular account.
Limit limit account, what is the changed limit?
There is no need to apply separately because the transaction limit for a limited account is automatically adjusted upward.
KB Kookmin Bank’s Liv Next, Liv Knock Knock, and Wallet point transfer limits will be changed starting May 30.
Account with limited limit, how do I lower the limit again?
If you wish to lower the withdrawal and withdrawal limits of a limit account that has been automatically increased, you must apply to ‘lower to the existing limit’ by May 30, 2024. You can reduce the transfer limit, which increased from 1 million won per day, back to 300,000 won in the banking app.
If you have not been able to apply for a change by May 30, you can visit a bank branch and apply to ‘lower the limit to the existing limit.’
However, customers under the age of 14 can apply to maintain the limit only through a visit to the bank branch by a legal representative. You will also need to submit documents proving your legal representative, such as a family relationship certificate, to the branch, so be sure to bring them with you.
Go to KB Star Banking app > View all accounts > More menu for limited account > Information on changing withdrawal limit for limited account and apply.
How to cancel a limited account
I will tell you how to unlock a limited account. You can apply for account release without visiting a bank branch by submitting supporting documents confirming the purpose of the financial transaction through the KB Star Banking app or internet banking.
To convert a limit account to a regular account through KB Star Banking or Internet banking, you must meet one of the conditions below.
Condition 1. Your KB Star Club level is one of VVIP, VIP, or Grand.
Condition 2. You must have transaction history using your account for salary transfer, pension receipt, or stock trading.
▲Salary transfer: Salary transfer performance of more than 1.5 million won per case for 3 consecutive months as of the end of the previous month (National Treasury, Giro, CMS (automatic bank account transfer), salary pre-date, topline, and corporate internet banking based on Kookmin Bank salary contract)
▲Pension receipt: Receipt of national pension, civil servant pension, private school teacher pension, military pension, and veterans pension worth more than 500,000 won in each case for the past three months as of the end of the previous month.
If you meet the conditions for releasing a limit account,
In the KB Star Banking app, click View all accounts > To the right of the account marked ‘Limit Restricted Account’ > More menu > Apply for limit restriction removal.
To cancel your account limit, try it right now.
enlargement
enlargement
If you do not meet the conditions to unlock a limited account online, you must visit a bank branch. You can convert a limit account to a regular account by submitting proof of financial transaction purpose to the branch.
If you have received salary transfers to a limited account for more than 3 months, you can convert the limited account to a regular account just by visiting a branch. There is no need to submit separate supporting documents.
Tip. You can lift the limit on Youth Hope Savings Maturity funds without submitting documents!
If you received the KB Youth Hope Savings maturity fund as a limit account, you can lift the limit without submitting separate documents. All you have to do is visit a bank branch.
This content was created as of 2024.05.02. Please be sure to read the terms and conditions and manual before signing up for the product (service).
For further information, please contact KB Kookmin Bank branch or customer center (1588-9999).
Easy finance,
Finance becomes closer with KB’s thoughts.
want to know more
I recommend the content
Financial terminology dictionary
