The advantage of bang is that there are no fees when sending or withdrawing money from mobile banking or ATM machines. There are also no transfer fees through mobile banking.
I have recently created a new bankbook with the intention of accumulating it step by step as there is a place to generate revenue. I tried to visit the bank with all the necessary documents, but it took quite a while, so I opened an account online through a bank cabin, which does not have a store.
The limit will be lifted through the required documents later. How it goes and what materials are needed… Let’s take a brief look at it. 카카오뱅크 계좌개설
Access the Cabin homepage through the portal app search bar. 이베이스매뉴얼
If you touch the app download menu on the main screen, you will be directed to the Google Play Store app download page.
I know that Carbank does not support Internet banking in a PC environment. Since mobile banking is the default, the app must be installed.
If you have completed installing the app, run the CarBang app installed on the home screen.
Sign up with your Kakao account or mobile phone number.
After agreeing to the required terms and conditions of electronic financial transaction and mobile banking service that appear, click Start Kakao Bank to complete membership registration.
This is the main screen that appears when running the app. When the Kakao Bank account opening is normally completed, the account number and the deposit balance are displayed together in the yellow part.
Touch + Open an account to start and view the account creation process. Cabin can open a bankbook from 17 years of age or older who have a mobile phone and ID card in their name, so minors aged 14 to 18 can use the mini menu. However, you must have a mobile phone in your name.
In the process of verifying real name information, enter your name and resident registration number.
Next is the mobile phone identity verification process.
After agreeing to the full terms and conditions, select the carrier you are using and enter your mobile phone number to proceed with the authentication request.
This is the authentication method registration process required for banking.
Register the 6-digit pattern and authentication password to be used. Please note that fingerprint recognition is also supported for faster login and transfer.
The last step in opening a Kakao Bank account is to enter information – take ID – verify your identity.
This is the process of entering information such as English name, home address, work information, and transaction purpose.
I agree to the terms of use for Kakao Bank deposit and withdrawal products.
Create a passbook password, select the account or passbook for what purpose, and select <Yes/No> for several other questions.
When opening a Kakao Bank account through non-face-to-face, mobile banking transfers are limited to a maximum of KRW 2 million per day, and transfers and withdrawals from ATM machines are limited to KRW 1 million each.
For minors, you can see that the cabin is limited to a maximum of 1 million won per day.
This is the final ID photo shoot and additional identification process.
After the ID photo is taken, a video call or other bank account verification process will proceed, so please select it in advance.
ID verification is carried out using the original resident registration card or driver’s license. If you take out your ID and align it with the guide area, it will be recognized automatically.
The selected identity verification process will follow. I opted to check with another bank account. On the screen that appears, select a bank from the list and enter the account number to send 1 won.
Upon completion of this process, the opening of a Kakao Bank account is completed with a limit of up to 2 million won per day. You need to set up deposit and withdrawal notifications for your bankbook!
App Push and Notification Talk are free, so please check them. The SMS text service is charged at a monthly fee of 300 won to 900 won.
The process of applying for the Cabin Friends check card continues. With the issued debit card, you will be able to freely withdraw and transfer money from ATM machines. What you need to bring is your name, mobile phone, and ID (driver’s license or resident registration card). Above, we learned how to open a Kakao Bank account.
I love Kakao Bank
one of the people Facts Asset Management, Deposits
If you look only at functions such as interest rates, cabin is the financial sector
Although it is a third-class app at the lowest level, intuitive UI,
Simple interface, easy transfer, etc.
It has advantages and many people use it.
Of course, at first everyone thought Ryan was cute.
I should have written it.. heh = actually my story
Anyway, I don’t have anything useful today.
About Kakao Bank’s Safebox
I want to write a post, but interest, limit, opening an account
Please note that we are going to organize all the methods, etc.
main text
Now, Kakao Bank Safebox
It has the character of a parking passbook.
Therefore, the customer is free at any time
Deposits and withdrawals are possible, and if you put money in, every day
It has the advantage of accumulating interest.
Of course, interest accrues every day.
Like Cinderella, if you dang at 12 o’clock at night, ‘I’m
There is no notification that says ‘Payment ~’. accumulated
Interest is settled on the fourth Friday of each month
It’s paid the next day.
Ummm… let’s just forget about it and live. Then
Interest accrues at the end of the month
you will be able to see
■ limit
If my memory is correct, it was during the early days of Safebox operation.
The payment limit was $500,000.
This has increased to 10 million won, and at the end of last year
Maybe.. Around the beginning of this year.. Anyway, the additional increase
The maximum amount that is currently payable is
1 billion won
For comparison with Kakao Bank Safebox
What is often mentioned is Toss’s parking passbook.
Toss’s parking account limit is 100 million won, so the same
It’s considered a level. But in reality the benefit is
The fact that the toss is incomparably good…
The reason is explained again below.
■ Interest rate (interest)
As of April 20, 22, Kakao Bank
Safebox’s interest rate is 1.1% per annum.
On April 14, the BOK raised the base rate
Although it was raised to 1.50%, Cabin
Interest rates are still at the same level as before.
are provided.
So, assuming you paid 100 million won
The total interest accrued over the course of a year is Rs.
If you convert this to monthly, the interest accrued every month is
91,700 won level. Here, interest income tax (15.4%)
Excluding this, you can receive a deposit of 100 million won
The actual interest rate seems to be around 77,550 won.
And as shown in the picture above
The interest rate of the Toss Parking Account is 2.0% per annum.
People who have a relatively large amount of payment
It is much more advantageous to use toss.
If you pay the same amount to Toss
The total interest accrued for one year is 2 million won.
That is, interest of 166,700 won is accrued every month.
Even excluding income tax, it’s 141,000 won.
It is quite different from Safebox.
Of course, this is for a period of one year.
Even if it is calculated with compound interest
Toss is better.
The reason is that, in the method of interest payment,
Toss shows different differences…
Safebox earns daily interest
While payment is made once a month, the toss parking passbook
You can receive the daily interest earned on a daily basis
It has the advantage of being able to compound work.
The fact that daily compounding is much better than monthly compounding
Even elementary school students should know this, so this part is a pass.
Ummm.. I wondered why I wrote ‘Hey guys, Toss’.
I think I’m writing with the nuance of ‘Awesome!’
Looking at it objectively, the parking passbook is Toss.
It’s right to win.
the ideal way
In accordance with the Depositor Protection Act, customers
The maximum amount that can be protected is KRW 50 million.
Of course, the probability that the toss or cabin will be destroyed in an instant
It’s close to zero, but I still don’t know what’s ahead
Because it is a human job, the amount to be paid is 50 million won
If you are over, put 50 million won in the toss.
It’s okay to put the rest of the money in the cabin.
Or while managing billions of dollars
Public offering stocks and people who pick up are also worth 100 million won.
Pay to Toss and 100 million won to Cabin for interest
It’s okay to take it.
Of course, in this case, the depositor protection limit is exceeded.
situation, though.
How to open an account
Open a Kakao Bank Safebox account
The method is not difficult.
Now, after accessing the Cabin app first,
Click the three dots […] in the lower right corner
Click Apply for Safebox.
Accept the terms and conditions and connect with Safebox
After selecting an account, the opening is complete!
linked to an account I already have
There is a safe box, so the guide
However, those who do not have a linked account
People who have multiple accounts
You should be able to open it without any problems!