What is a parking passbook?
A free entry and exit bankbook with daily interest.
It was named ‘parking’ because it is a bankbook where money can be temporarily parked just like a car parks for a while. In addition, it is a bankbook where you can freely deposit and withdraw money like a car. It provides interest rates similar to those of time deposits or fixed deposits, but allows you to put in and withdraw money at will without a fixed period. 토스뱅크 계좌개설
※ Interest is accrued on a daily basis based on the final balance of that day, and all monthly payments are added up and paid monthly.
I made a Toss Bank parking passbook in the morning. In the meantime, I have been using the Kakao Parking Account, but I switched to the Toss Parking Account from today. Kakao pays 1% interest and Toss pays 2% interest. (Applicable limit of KRW 100 million) In addition, Kakao had the trouble of making and storing a separate safe, but Toss does not have to go through such a process. It is a structure that makes a free entry and exit bankbook and simply puts money in it and it becomes a parking account. So, this article is about how to open a Toss Bank account.
2% annual interest on Toss Bank without any conditions 이베이스매뉴얼
Create a Toss Bank parking passbook
※ How to open a Toss account and free deposit and withdrawal from time to time
One.
After downloading and installing the Toss app
Register as a member by [Identity Verification].
2.
Log in to the Toss app.
After logging in, you will see
[Toss will take care of it for you] A pop-up window appears,
You can skip it by clicking [Next] in the upper right corner.
Of course, if you want, you can apply.
I didn’t need to, so I didn’t apply.
You can choose this part to your liking.
3.
Press [ = ] in the lower right corner of the full menu
Connect to the [Toss Bank] screen.
4.
Click [Start Toss Bank]
Click [Create Account].
5.
Toss Bank passbook [Description] and [Terms] and
[Confirm] your personal information.
In this case, your name, mobile phone number, address, etc.
The information entered during the first membership registration is
appear automatically on the screen.
If any information is incorrect, correct it yourself.
6.
Current occupation, purpose of transaction, source of funds, etc.
Answer the survey honestly.
The reason for confirming the purpose of the transaction and the source of the funds is
This is to prevent accidents related to financial transactions.
It is a multiple choice, so you can choose comfortably.
Also, make sure the account you want to use is correct.
Whether you are paying taxes abroad
Read it slowly and answer honestly.
7.
After setting the Toss Bank account [Password]
Take a picture of your [ID].
ID can be used at this time
National ID card or driver’s license.
A temporary ID card or
Copies of identification are not permitted.
8.
Among the account numbers that appear automatically
Press [Usually used account].
If your account does not appear on this screen
Simply enter your bank account directly.
Not toss, but another bank account number you normally use.
9.
Press [Receive 1 won to my account],
the three-digit number of the depositor’s message
After entering the toss, press [OK].
Then the Toss account opening is complete!
If a screen like the one above appears, OK.
After you have opened an account,
[It’s time to choose a card]
He recommends issuing a card.
You don’t have to answer this.
Press [ < ] at the top left of the screen
Card issuance can be skipped.
And later if you want
It can be issued later by clicking [Continue application].
Anyway, you can do it now if you need to.
I pass because I don’t need it.
Anyway, once you open an account like this,
Finished making Toss Parking Account.
Because the toss parking passbook is
This is because the free entry and exit passbook is the parking passbook.
If you put money into the Tossbank account you just created,
Anyone can earn 2% interest per annum without any conditions.
And this interest accumulates every day.
Interest is charged based on the last balance of the day.
2% annual interest rate up to KRW 100 million
And add up all the interest accrued day by day
Payment is made on the third Saturday of every month.
In the meantime, the parking passbook was in the form of a separate safe, unlike general free entry and exit passbooks. I had to build an additional safe. So, speaking of a toss parking passbook, many people think that it is necessary to create a separate parking passbook after opening a toss account. But Toss wasn’t like that. When you first open a bank account, it is a parking account.
Anyone who opens an account can receive an interest rate of 2% per annum. (Applicable limit of KRW 100 million) This is the level of interest rates on savings accounts of commercial banks. However, savings accounts have the disadvantage that deposits and withdrawals are not free. You have to sign a contract for a certain period, and if you cancel before that, you lose. In that sense, the toss parking passbook would be beneficial to those who canceled their savings each time.
Anyway, this completes the opening of the Toss Parking Account!
However, immediately after opening an account,
The withdrawal limit is set at 2 million won per day.
Because of the system to prevent financial accidents.
So, the next article is how to unlock the toss limit.
.
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, it has an 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 one 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 to pay
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 pass this part.
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