Someday at Kookmin Bank,
There has been an event where you get 20,000 won when you sign up and create an account, so you sign up and then use your account passionately.
There is a limit of 300,000 won by creating an account non-face-to-face.
I figured out how to solve it.
Originally, I tried to solve the problem by visiting the counter at Kookmin Bank twice. 국민은행 한도제한계좌
“I’m using this account to fund Kookmin Bank, please release it.”
“No!”
“I’m going to do business with this account at Kookmin Bank, please release it.” 이베이스매뉴얼
“Bring 3 month deposit history”
Because it was a very sweet pumpkin.. This time, I would like to check it out for sure.
So, I asked what I needed through KB Bank Consultation Talk, which is Kookmin Bank’s banking.
First of all, what kind of restrictions are there on limit-limited accounts?
– Withdrawal limit at the window is KRW 1,000,000
– Automatic device transfer limit of 300,000 won
– Internet banking transfer limit of 300,000 won
As above, you can’t do anything with 300,000 won. It’s very inconvenient.
So, let’s see what documents you need to bring.
First, there are two methods: a visit without supporting documents and a visit with documents.
In case there is no need for documentary evidence of Kookmin Bank limit limit account
If the transaction details are recognized, there is no need for supporting documents
– Salary transfer: Salary transfer of 500,000 won or more per case
(National Treasury, Giro, CMS, payroll line date, Topline, and corporate internet banking according to Kookmin Bank payroll contract)
– KB card payment: credit card payment performance
(Including cash service, excluding check/prepaid card payment results)
– Utility bill transfer: Automatic payment of 3 or more utility bills per month
(Apartment management fee, Giro, CMS, firm banking)
– Achievement Merchant Payment: Credit card membership payment results paid by KB Kookmin Bank
(Including KB Kookmin Card/KB Kookmin Check Card and Prepaid Card)
– Pension receipt: National pension, civil servant pension, private school teachers’ pension, military pension and veterans’ pension
If this is not the case, you must prepare the following documents before visiting.
Example of documentary evidence to confirm the purpose of financial transaction of Kookmin Bank limit-limited account
– Salary Passbook: Employment certificate, pay stub, receipt of wage and salary income withholding, etc.
– Pension receipt passbook: Pension certificate (confirmation of pension beneficiary, etc.)
– Business passbook: goods supply contract (invoice), (electronic) tax invoice, financial statements, VAT certificate, tax payment certificate, etc.
– Meeting passbook: Documents proving the meeting, such as membership list and bylaws
– Utility bill, management fee account: utility bill payment receipt, management fee receipt, etc.
– In other cases: objective evidence that can confirm the purpose of establishment is required
I hope it will be helpful to people who use limit-limited accounts like me.
thank you!
Kookmin Bank waiting time saving tips (mobile number ticket) and
See the review of unlocking the limit-limited account (post below)
Thanks to kb Kookmin Bank’s limit-limited account today, my head hurt.
What is a limit-limited account?
When opening a deposit and withdrawal account
This is a system that limits the transfer of up to 300,000 won per day from Internet mobile banking and automatic teller machines and 1 million won at branch counters, and the limit is lifted by submitting various supporting documents.
There was no need for me to create a limit-limited account.
It’s hard to work in today’s world with an account that only allows transfers like this.
The only reason I had an account like this was,
When I opened an account with ibk Investment & Securities, which was necessary when subscribing for public offering, I opened a bank-linked account..
I even forgot
Guess I’ll be on the limit…
All accounts opened as bank-linked accounts (normal accounts) are blocked with limit-limited accounts.
For reasons such as prevention of cannon bankbooks..
But again, today was the day I wanted to fire a cannon or one shot.
A few days ago, there was a subscription for Rae Mong Rain at ibk Investment & Securities.
Today is the day the refund comes in, and wow~ I processed it because the designated refund/warehousing account function was newly installed, but what… no. I wrote it on my blog, but I’m sorry that it didn’t work out for everyone. Even calling ibk doesn’t work…
I had no choice but to drive them back to my account one by one.
I wish I had waited until midnight.
First of all, in order to receive the fee-free benefit from ibk Investment & Securities, you must have a corporate or Woori bank account (I do not have)
It is free only for bank-linked accounts.
Yogiseo~~~ I liked that the bank-linked account was free.
However, it is not worth more than 30 million won.
It is not transferable.
This means that all withdrawals and transfers from bank-linked accounts (based on the current kb bank) are blocked below 30.
If you send it without knowing it, you can only find up to 30 at the linked bank and you can’t transfer it.
I consulted with kb Kookmin Bank.
Of course, the chatbot is also detailed. The answer after connecting with a counselor was the same.
If you go to the window, you can think of it as 100,000 won or 300,000 won.
How to limit financial transaction limits
I want to solve What should I do?
The reply came that it might be possible to visit with the following documents.
In some cases, if the limit account was caught at another bank, it was possible only with the apartment management fee receipt.
If there is evidence that the money has been steadily flowing out.
The only way to open the limit account was in person. (Kookmin Bank)
Salary Passbook – I do not receive any salary (housewife),
Not even receiving a pension.
not a business.
Not even a meeting room.
I liked it because it was written as utility bills and administrative bills, but this is for example,
Shinhan Bank does not accept receipts for which the management fee is automatically transferred. The same goes for utility bills.
It is said that only the Kookmin Bank limit account, the very common savings account, must show traces of carrying it out.
Huh~~.
All the details were conditions that had nothing to do with me.
The important thing in the transaction history recognition items is that they all have to be related to kb Kookmin Bank and Kookmin Card.
I’m not that active in trading, so…
Number 6 seems a bit hopeful, but
When I got counseling, I had no intention of doing it at all.
If you have ID when visiting Kookmin Bank counseling,
If it is shown, it will check the passbook and inform you of the pass/fail.
Even if you try to transfer only 300,010 won to the same kb Kookmin Bank kb able plus account, the above error appears.
The same is true for transfers to other commercial banks.
It also blocked transfers to the same bank, not actual withdrawals.
Conclusion: You can never transfer more than 300,000 won to a limit-limited account.
30,000 won per day.
hard day,
I think it was a mistake to create an account linked to a brokerage company through a bank.
Next time, I will not make a bank link.
It’s better to just make it non-face-to-face whenever you have time.
As a hint, if you make a cma account together, most of the places provide free processing.
I couldn’t create a cma account due to the number limit, and I struggled to save fees.
After all, today is a sad day when the fee went out of business.
It’s not worth paying the transfer fee.
I had an existing Kookmin Bank account, but I wanted to separately manage business-related deposits and withdrawals, so I visited a branch directly and opened an additional business account.
A bank account or an account newly opened for the purpose of preventing financial fraud becomes a limit-limited account with restrictions such as transfers for a certain period of time.
Most of the large amounts were already spent at the beginning of last year’s business, and after opening an additional bank account, the schedule for expenses such as monthly rent, utility bills, maintenance costs, etc. was different, and if it was unavoidable, I had to spend it in two separate installments.
I often have to pay for furniture or accessory replacements in the middle, but I started to feel uncomfortable only after a few months since I kept getting caught up to the transfer limit.
“The limit of transfer is limited to 300,000 won per day to the limit of financial transaction accounts for which no supporting documents have been submitted.
Normal transaction is possible after submitting the evidence to the branch.”
I’m frustrated about how to cancel the limit limit account
I started looking right away.
1. Non-face-to-face
How to apply for cancellation of limit-limited account
How to apply for lifting the limit on non-face-to-face
1. Click Search – Search All Accounts.
2. Click the three dots to the right of the limit-limited account.
3. Apply for lifting the limit limit.
If you meet one or more of the criteria for lifting the non-face-to-face limit, you can proceed online by following the additional guidance procedure without supporting documents.
Criteria for lifting the limit
Detailed criteria for each item of transaction history recognition
1. Salary transfer: Salary transfers of KRW 500,000 or more per case (National Treasury, Giro, CMS, payroll pre-date, Topline, and corporate internet banking according to Kookmin Bank payroll contract)
2. KB Card Payment: Credit card payment (including cash service, excluding check/prepaid card payment)
3. Utility bill transfer: Automatic payment of 3 or more monthly utility bills (apartment management fee, Giro, CMS, firm banking) and bank loan interest repayment transaction
4. Merchant payment: 1 or more monthly credit card membership payment by KB Kookmin Bank
5. Pension receipt: National pension, civil servant pension, private school teachers’ pension, military pension and veterans’ pension received at least once a month
6. Stock trading: Performance of stock trading more than a certain number of times through KB able Plus passbook
If you apply for a non-face-to-face limit lift, but the limit is maintained because you do not meet the requirements for lifting the limit limit, you must visit a branch and request the release after bringing proof.
In our case, as a business account, it does not yet fall under the KB Star Club Royal rating, salaries or pensions have not been transferred, and we do not trade stocks with this account.
2. Visit the branch
How to apply for cancellation of limit-limited account
Evidence of financial transaction purpose confirmation
In order to use without restrictions on financial transactions, you must visit a branch with proofs suitable for the purpose of financial transactions.
<Example>
1. Salary Passbook: Employment certificate, pay stub, wage and salary income withholding tax receipt, etc.
2. Pension receipt passbook: Pension certificate (confirmation of pension beneficiary, etc.)
3. Business passbook: goods supply contract (invoice), (electronic) tax invoice, financial statements, VAT certificate, tax payment certificate, etc.