These days, many people are using Kakao Bank a lot among banks.
Although many banks offer easy, non-face-to-face work, Kakao Bank seems to be used a lot because it is easier to use.
In that sense, today, we will learn how to open a Kakao Bank account and look at the transfer limit of 6 months short-term savings and 26 weeks of savings.
* What is Kakao Bank? 카카오뱅크 계좌개설
First, let’s learn about Kakao Bank.
Kakao Bank is the second Internet bank in Korea after K-Bank. 이베이스매뉴얼
You can do banking 100% with your smartphone without having to visit the bank.
As a smartphone-only bank, you can think of it as being operated in conjunction with KakaoTalk.
That’s why I think that as the times change, we’re getting more and more love from people.
* How to open a Kakao Bank account
If so, let’s find out how to open a Kakao Bank account.
First, in order to open a Kakao Bank account, a mobile phone is absolutely necessary as it is a smartphone-only bank.
All you need is a smartphone and the Kakao Bank app.
When you enter the app, you will see a + button on the main screen. I have already made a family passbook, so it’s under it. Click on it.
Then, you will be asked to choose which bankbook to create. Select the deposit and withdrawal account.
If the screen is skipped, just click the Apply button.
Then the screen to agree to the terms and conditions will appear. After agreeing to the terms and conditions from above, enter the required email address and click the Next button.
After that, enter password creation/account usage and select the rest of the items, agree to the terms and click the Next button.
A screen will appear asking you to confirm your ID. You don’t have to worry about it because you can easily check it just by shooting.
Then, click the Next button and follow the procedure to complete the Kakao Bank account opening.
You can also set deposit and withdrawal notifications, and you can apply for a check card for that passbook, so you can do whatever you want later.
* Kakao Bank transfer limit
Next, let’s look at the transfer limit of Kakao Bank.
Kakao Bank’s deposit and withdrawal accounts are said to be opened as ‘financial transaction limit accounts’ to prevent financial accidents.
If you make a transfer through the Kakao Bank app, the maximum amount is 2 million won per day.
However, it is good to note that ATM transfers and withdrawals are limited to a maximum of 1 million won per day.
However, for minors, the maximum amount is 1 million won per day, including both mobile apps and automated devices.
By any chance, if you want to increase the amount exceeding the transfer limit, please also note that you must go through the identity verification process according to the security level as shown in the picture above.
* Kakao Bank 6-month short-term savings
If so, let’s take a look at Kakao Bank’s 6-month short-term savings account.
Kakao Bank also has savings products. 6 months short-term savings are also available.
That’s right, it’s a free savings product. The target of membership must be an individual with a real name.
Since it is a free accumulation type with a regular deposit, you can save freely. The monthly savings amount is limited from KRW 1,000 to KRW 3 million.
Since the contract period is from 6 months, it seems to be perfect for those who want to hold a short-term savings account.
* 26 shares of Kakao Bank
There is also a 26-week savings account in Kakao Bank. Let’s take a look at this product.
The 26-week savings account of Kakao Bank has an interest rate of 2.10% per annum before tax for 6 months, and an additional 0.50% per annum is added as a plus in case of success. Emergency withdrawal is possible twice.
Anyone with a real name can join Kakao Bank’s 26-week savings account. The deposit type is a fixed deposit, and it is a free accumulation type.
You must choose between 1,000 won / 2,000 won / 3,000 won / 5,000 won / 10,000 won for the initial subscription amount. Changes are not allowed.
The monthly savings amount ranges from KRW 1,000 to KRW 2 million.
The contract period is 6 months, and the 26-week savings can also be made by direct debit.
The direct debit day is the day of the week from the date of registration, and the end date is the first day of the 26th week, and the amount is automatically increased every week by the amount of the initial subscription.
Today, we learned how to open a Kakao Bank account. It can be done as easily as it is easy, so I think it would be good to use it a lot.
Kakao Bank, a leader in non-face-to-face services.
We will become a bank that is used by many people by radically eliminating various fees.
However, since it is non-face-to-face, inconveniences are bound to arise.
In particular, tasks such as printing a copy of a passbook or issuing an account opening confirmation are frowned upon even by the person running the IT blog.
It’s not always necessary, so it’s easy to forget.
Today, we are going to learn about printing a copy of Kakao Bank’s passbook and issuing an account opening confirmation.
A copy of the Kakao Bank passbook and the confirmation of account opening are slightly different in nature.
Under normal circumstances, it is okay to print out a copy of the bankbook. However, to submit it to a government office, etc., it is correct to obtain a confirmation of account opening through a PC or mail.
And a copy of the passbook can be saved directly on the smartphone.
On the other hand, the Kakao Bank account opening confirmation form must be applied for on a smartphone and printed out on a PC or received by mail.
However, if you receive it by mail, a fee of 3,000 won will be charged.
Now that you have decided which documents to issue, let’s find out how.
First, as mentioned above, all Kakao Bank passbook copies can be printed on a smartphone.
Launch the CarBin app, select a passbook to print a copy of, and click Manage at the top right.
After that, scroll down and you will see an item called Passbook Copy.
If you click here and click Save, you can download it as an image file to your smartphone.
The following is the issuance of a confirmation of opening a Cabin account.
Also, after running the CarBang app on your smartphone, press ••• on the bottom right to open the customer center.
From here, click Certificate Issuance > Deposit > Account Opening Confirmation and select PC print or mail.
Please note that a 3,000 won fee will be charged if you choose to use the postal service.
If you select PC output, your account will be displayed.
After selecting the required items and clicking Apply, press the authentication password entered when logging in to complete the preparation process.
The following process can be printed out through the Customer Center > Certificate > My Certificate Issuance History by accessing the Cabin homepage on a PC.
At this time, you have to log in using a QR code or an authentication number, but you have to use your smartphone again.
If you press ••• on the smartphone app and select App Settings > PC Login, you can log in with a QR code or verification code.
After logging in, you can print the account opening confirmation form on a printer or save it to your PC.
It doesn’t matter which one of the two documents you choose, but I hope you don’t repeat it twice by choosing one that suits your purpose.