When you apply for Internet banking for the first time, most of them use a security card. It’s all good, but it’s cumbersome. When I used only Kookmin Bank, I thought I would just do it. “Oh, well, it’s a bit annoying.” I had such strong thoughts. However, since I went to other banks and now even opened a securities account, it was very difficult to use a separate security card for each financial institution. So, I decided to make a general-purpose OTP.
Preparations for OTP card issuance (based on minors themselves) 국민은행 OTP 발급
1. KB Kookmin Bank passbook with completed Internet banking application
– Minors are opened with a limit-limited account. This is not a big deal, and you must first apply for internet banking. If not, you can go ahead and apply. By the way, the fact that you have already been issued a security card… means that you have applied for internet banking.
2. Identification of minors 이베이스매뉴얼
– 17 years old… Whoa! Are you excited? Just bring your ID and go. If not, it is most convenient to bring a youth ID card. If not, bring your passport. If you do not have a passport, you will need a student ID + a copy of resident registration/family relationship certificate.
3. Issuance fee
– Basic 5,000 won, card type 10,000 won. That’s twice the difference. However, there is another reason why I issued a card type other than the basic type. Because of portability. There are several more reasons, but I will explain them slowly.
Type of OTP
The above picture is information provided by Woori Bank (https://spot.wooribank.com/pot/Dream?withyou=CQSCT0033). There are three main types.
1. Token type – In the picture above, ‘horizontal type’ is written. It is thick and has a small size, and it is an LCD screen.
2. Card type – far right. Press to display a 6-digit number on the screen. Most of them use e-ink, so battery consumption is low and durability is strong. It even makes storage convenient. It is for this reason that I chose the card type.
3. Smart type – NFC type, most of them are not universal and can only be used by our bank. You don’t really need to consider it.
OTP issuance process
Just take a numbered ticket, wait, and say “I’m here to make an OTP” and they will do it for you. I didn’t even know that internet banking was stopped (…), but they released it together. At first, after a brief consultation, he recommended ‘mobile OTP’. In fact, if you are only going to use Kookmin Bank, mobile OTP doesn’t matter, because I’m here to get a general-purpose OTP. I just asked for it to be in the form of a card.
You can also submit your identity verification documents here. I just gave my resident registration card, and if you are not yet 17 years old, you can submit other things such as a youth ID, passport, student ID + other documents. If you have already applied for internet banking, the process of issuing OTP itself is not too complicated. You only need to sign a couple of times to complete the issuance.
After paying the fee, you will receive a receipt. I was charged 10,000 won because it was a card type, and if you apply for a token type, you will get 5,000 won. Customers who are MVP or higher are exempt from fees. Total assets including KB Kookmin Bank and KB Securities must be at least 30 million won. …how many minors have that kind of money. Let’s pay the fee quietly.
I didn’t have to cover it, but I did it because it was embarrassing. Anyway, when Kookmin Bank issues an OTP, the security card loses its effect immediately. Just cut the security card and throw it away. Do not cut OTP by mistake If you register OTP with another organization, the security card of the other organization will also be suspended and you can use all the OTPs you have just received.
Register OTP with other organizations
There is no need to register with Kookmin Bank. It is automatically registered. Let’s see how to register with another bank or brokerage. As an example, we will take ‘SC First Bank’ as a bank and ‘Daishin Securities’ as a securities company.
At SC First Bank, OTP registration is possible through the SC Mobile app. Click “All” in the tab below and scroll all the way down to find the “Security Center” menu. You can register by clicking “Register/Cancel OTP Use” here. As stated in the guide, if you register OTP, your security card will be discarded. In addition, there is phone verification, so you have to bear with it a bit of annoyance.
For Daishin Securities, you can use the ‘Daeshin Securities CYBOS Touch’ app. After logging in, go to the left menu -> Security Center, and then enter the OTP management menu. If you just try to register OTP here, it says there is no information and it does not proceed. Be sure to select ‘Register/Cancel Other Organizations’ in the top tab. Enter the serial number and it will be registered automatically. There are no additional certifications. What is it? Is it the difference between the 1st and 2nd financial sector?