카카오뱅크 자유적금There are no interest rate losses or inconveniences due to payment date or number of payments.
Conveniently and freely make additional payments through automatic transfer.
Try managing your savings flexibly.
If you set up savings payments by automatic transfer, you can reliably
Savings savings are available. A small amount every day,
Pay a certain amount every week, every month on payday, as desired.
Try using it by setting the amount and period.
When you suddenly have money, make additional payments when you have money left over.
Try it. The greater the principal, the more it is paid at maturity.
Interest also increases. (Automatic transfer and additional payment per savings account are added together.
You can pay up to 3 million won per month.)
When you need money urgently even if you don’t cancel the savings you’ve been saving regularly
Emergency withdrawal is possible up to two times. Don’t miss out on the interest paid at maturity,
You can continue to save your savings.
(Interest is paid on the emergency withdrawal amount at the early cancellation rate.)
When the savings account expires, do you change it to a term deposit?
If you use automatic savings extension, the principal and interest will be paid at maturity up to 5 times.
Because it starts by being re-deposited back to the principal, it is better than depositing.
You can enjoy high interest rates.
(The interest rate for this product announced at the time of automatic extension is applied.)
Real-name individuals (52 accounts can be registered per person)
Fixed deposit (free savings type)
1,000 won ~ 3 million won
Deposits can only be made through your own Kakao Bank deposit/withdrawal account or personal business account.
6 months to 36 months (can be specified by month or day)
Lump sum payment at maturity
Interest is paid by applying and adding up the agreed interest rate for the deposit period for each deposit.
Can sign up for tax-free comprehensive savings
In accordance with the Depositor Protection Act, this deposit is protected up to 50 million won per person (combined with other protected products of this bank), including the principal and interest.
(As of June 23, 2024, before tax deduction)
If more than 1/2 of the total number of contract months has been paid by automatic transfer and the contract is canceled at maturity
※ However, preferential interest rates are not provided for principal and interest whose maturity is automatically extended (as of June 23, 2024, before tax deduction)
The early cancellation interest rate for this product announced at the time of subscription or final automatic renewal date is applied.
※ The early termination interest rate is applied differently depending on the deposit period for each deposit (as of June 23, 2024, before tax deduction)
The post-maturity interest rate for this product announced at the time of subscription or final automatic extension date is applied.
※ The post-maturity interest rate is applied differently for each section of the elapsed period after maturity (as of June 23, 2024, before tax deduction)
You can withdraw only a portion of the amount without canceling before maturity.
※ In case of emergency withdrawal, the amount paid first will be withdrawn.
Upon expiration, you can select one of the three methods below for cancellation.
In case of cancellation before the maturity date from the subscription date (or automatic extension date), the early cancellation interest rate of this product is applied.
Automatic extension is not possible if an accident report such as pledge or seizure is registered or if you subscribe to a tax-exempt comprehensive savings account.
Change of title by transfer is not possible.
Name change possible by inheritance
(However, only if the heir holds a Kakao Bank account)
100,000 won per month
When paying for 12 months
24,014 won before tax
(Example when applying the highest interest rate)
※ May change depending on contract details such as payment amount, contract period, applicable interest rate, etc.
If a withdrawal restriction incident report such as pledge or seizure has been registered, cancellation is not possible and payment of principal and interest is restricted.
If it is not canceled within 5 years from the maturity date, it is classified as a dormant deposit and contributed to the Korea Inclusive Finance Agency in accordance with Article 9 of the Basic Deposit Transaction Terms and Conditions, and the dormant deposit is a dormant account.
Can be searched through integrated system (www.sleepmoney.or.kr)
If a bank violates the obligation to explain under the Financial Consumer Protection Act or enters into a contract through unfair business practices or unfair solicitation, the financial consumer shall be liable for the contract in accordance with the method prescribed by the relevant laws within 5 years from the date of conclusion of the contract. Can request cancellation
If you need consultation regarding product inquiries, complaints, or disputes, you can contact Kakao Bank’s customer center, app, or internet website, and request assistance from the Financial Supervisory Service.
Please be sure to read the financial product description and terms and conditions before entering into a contract regarding a financial product.
General financial consumers have the right to receive explanations about relevant financial products from banks.
