nice to meet you
I think it’s terribly cold today.
Without a second thought, I dressed thinly and left the house 국민은행 마이핏통장
I came back twice.
I think that being stuck at home and forgetting tangerines is the victory in life.
Recently, there are a lot of people who have turned their eyes to other investments or moved, and then come back to their savings like salmon.
As a stock investor, my life was really exhausting and there were a lot of days I spent neither sleeping nor waking up. 이베이스매뉴얼
The decision I made was that I couldn’t live like this for the rest of my life, so I had to diversify to some extent in order to live a normal life.
The base interest rate has also risen slightly these days, so I looked for a few products and then looked for a savings account at Kookmin Bank.
Kookmin Bank My Fit Account
In the case of an existing deposit and withdrawal bankbook, you can perform all normal tasks, but think that you can bring a slightly higher rate of return.
Similar to the parking passbook of a savings bank and the cma of a securities company, it is a form of paying interest by simply storing money, so anyone can use it easily.
Even if you transfer your salary in kb or pay by credit card, you can receive an interest rate of up to 1.5% per year.
If you are using Kookmin Bank as your main transaction, it would be a good idea to sign up for it, as only those between the ages of 18 and 38 can join, and you can get all fees waived.
Interest rates are a bit complicated, but you have to keep an emergency fund of up to 2 million won, so you can receive interest, so you can think of it as inconsistent with the existing Safebox.
If you manage a small amount or change or create a deposit and withdrawal account with a constant balance, you can receive a generous interest rate, even if it is not a lot.
Recommendation for savings account at Kookmin Bank
It’s the same with other places, but I used to use this place a lot when I was young, so I have a lot of affection for it and I think the composition of the products is diverse.
When you join the military, socially considerate class, or group
There are many additional benefits as long as the conditions are met.
It would be good to find out through the website.
Today, let’s see what anyone can use.
– My Fit Savings
If you have the My Fit account as explained above, you can receive up to 3.2%.
The subscription period is one year, and the monthly payment starts from KRW 1,000 and can be up to KRW 500,000.
You can make a total of $600,000 in principal.
Deposits and withdrawals occur regularly after creating a Myfit account, and additional preferential rates are provided to military veterans who make the first transaction after registering for Open Banking.
The target audience is 18 to 38 years old, and you can save as much money as you want each month in a free deposit method.
It doesn’t look particularly good, but there’s nothing bad about it, so if the conditions are right for you or if you think you can do it, it’s not bad to start.
– kb companion happy savings account
This is a product that I made up my mind to sign up for as I am also raising a very young Jindo dog who has turned one year old.
Term options range from 1 year up to 3 years and offer an interest rate of 3.1%.
Likewise, you can save from 10,000 won to 500,000 won with a free savings account.
For pet savings, you must register your pet’s information.
When you sign up for the first time, you must agree to the provision of information.
Both dogs and cats are the same.
More than 10 times before expiration
You should practice walking, brushing teeth, and checking your body weight.
This part is a bit complicated, but you will receive an additional 0.2% when you open the iic M companion happiness plan.
After that, if there is no new card payment or kb usage history before 6 months, you will receive the maximum interest rate.
Coupons that can be used at the pet shop are released every month, so please refer to them.
– KB Smart phone savings account
period of 6 to 36 months
Interest rates up to 2.55%
The payment amount is less than KRW 1 million.
You can start by yourself
Comment relay or with friends and acquaintances
If you tell us your referral number and enter it,
This is how interest rates keep rising.
It looks fun, so I tried it last year.
I think there were a lot of people doing it.
Besides
National One Savings 2.75%
KB Young Youth 2.65%
Clear sky savings account 2.6%, etc.
I think the overall average is more than 2.5%.
If it’s not that much different than this
You can just pick one that suits you.
Savings is difficult
When I was young, I also had to manage my money around me. I was disgusted by the sound of what I would become after living like that.
But at that time, I am regretting how good it would have been if I had beaten me and forced me to do it.
Some of you may wonder if you should compare these products in order to enjoy the richness and wealth, but banking products are the basic of all Zetaq.
If I can’t find one that suits me, even if I try other things in the future, it will only cause damage.
general summary
These days, I learned a little bit about what level it is. I don’t think the 4~5% band I like has appeared yet.
However, you can’t just wait, so if you need something out of the two, it’s good to put in a few thousand won!
I hope you all keep fighting until the expiration date.
Actual interest rates may differ from the time of writing. Please refer to the website (click the link) for the exact product interest rate.
Today, let’s take a look at ‘KB My Fit Passbook’ among the BEST deposit products of Kookmin Bank.
Let’s take a look at the product features. First, it is said that a single passbook can be divided according to purpose. When certain conditions are met, an interest rate of 1.5% per annum is provided.
Second, transfer fees and withdrawal fees are waived. The transfer fee exemption does not seem to have much merit because I am using the Toss app that does not have a transfer fee. There are times when you need cash, but it will often be useful if the withdrawal fee is waived.
The target of joining the bankbook is individuals between the ages of 18 and 38. It’s odd that there is an age limit. Usually, in order to sell a lot of products, there shouldn’t be an age limit, but what was the reason for the age limit?
The product type is a deposit (savings deposit) with free deposit and withdrawal.
The interest rate is split in two. An interest rate of 1.5% per annum is given to the emergency fund part among the items divided according to the purpose (basic expenses, living expenses, emergency funds) if the conditions are met. Applicable to a maximum of KRW 2 million.
In addition, an interest rate of 0.1% per annum is applied to the balance excluding the application of the emergency fund interest rate.
This is a condition for applying the emergency fund interest rate. Achieve 1 performance in the two months prior to receiving interest payments. The performance can be summarized as receiving a salary of 500,000 won or more through a bank account.
Information on fee waiver benefits. What I like about the benefits is that ATM withdrawal fees from other banks are also free. These days, the number of branches is decreasing and the number of ATMs is also decreasing, but if it is difficult to find an ATM at Kookmin Bank, you can use other bank ATMs for free, so it will be useful.
However, as you can see in the photo above, other bank ATMs say that affiliate ATMs and VAN ATMs are excluded.
The exemption conditions are not strict. It is necessary to have KB Kookmin Card payment record or deposit record of 500,000 won or more per case that meets the emergency fund interest rate performance conditions.
Depositor protection is also up to KRW 50 million.
general review
I learned about KB Kookmin Bank’s ‘KB My Fit Account’. It felt peculiar that the age of membership was limited to the age of 38. And when I looked at the products, I felt that it was mainly a bankbook for young people. In particular, considering that the 1.5% emergency fund interest rate is only applied to a maximum of 2 million won, it is unlikely that the number of customers who manage a large amount of money will increase.
I think this product is suitable for those who want to manage money systematically and meticulously by dividing one bankbook into basic expenses, living expenses, and emergency funds. The app is easy to see at a glance, and since it is done by splitting one account, it would be good for those who are cumbersome to use multiple accounts.
I thought that this product was a product made by thoroughly deciding which customers to target and mixing a clever idea (managing a single bankbook).
If you would like to know more about ‘KB My Fit Account’, please check the product description below.