Parking passbook (Shinhan Bank Heyyoung Money Box, Finck T Gain Passbook, Kakao Bank Safebox, Naver Passbook, Woori Bank ONE Parking Passbook, Kookmin Bank My Fit Passbook)
parking passbook
Before the trip, I used a CMA passbook… ;; 국민은행 마이핏통장
I don’t think I’ve paid much attention to it since I went on a trip.
Is it enough to just collect and repay the loan?
These days, since I spend a lot of time lying down, I naturally get interested and go back and forth;
Except for Shinhan Bank Heiyoung due to age limit, all the parking accounts are being split and used!!!
The safe box of Kakao Bank, which is the best, yielded to Sang Sang,
Even if the interest rate is good, I don’t want money to be mixed, so I split the parkbooks and use them to separate joint funds and pocket money.
I just checked the interest rate while organizing the things I used!!!
Shinhan Bank heyoung Money Box 1.0%
Shinhan Bank heyoung money box
Deposit limit of 200,000 won, 이베이스매뉴얼
Basic interest rate 0.1%, preferential interest rate 0.9% However, only those aged 18 to 29 can receive the preferential rate
ahhhhhhh!!!
2% of Finck T profit passbook
Finck T gain passbook (SKT x KDB Korea Development Bank)
2 million won before tax Any SKT customer 17 years of age or older
Basic interest rate 1%, preferential rate 1% with KDB KDB’s marketing agreement
For amounts exceeding 2 million won, a basic interest rate of 0.5% per annum is applied (before tax)
Shinhan Heiyoung vs Finck T-Profit Account
Anyway, in the case of Shinhan Heiyoung, there is an age limit,
Finck placed a limit on SKT subscribers only.
If you are between the ages of 18 and 29 and are SKT subscribers, you can get interest rates of 1% per annum and 2% per annum by depositing 2 million won each in Heiyoung and Fink.
KDB x T high5 savings 5% per annum
KKKK~ Likewise, only SKT subscribers can enjoy 5% per year
All SKT customers 17 years of age and older 2.0%
KDB Korea Development Bank agrees to marketing and maintains SKT line until maturity 1%
1% when using SKT’s 50,000 won or more rate plan or maintaining automatic debit for telecommunication expenses until the maturity of the savings account
Up to KRW 200,000 per month Maximum interest for 24 months of payment: KRW 250,000
It expired last February and I wanted to start over with the joy of receiving the maximum interest, but it seems like there is only one per line;
I can only see the end of the expiration date and I can’t open a new account ㅠ_ㅠ
Kakao Bank Safebox 1.10%
Kakao Bank Safebox
Limit of KRW 10,000,000 Applicable interest rate 1.10%
Kakao Bank is definitely the best for a parking passbook! (I don’t know again because Toss has jumped into the financial business)
But I’m leaving Kakao Bank as a spare fund for loss;
100,000 won per month is transferred instead of insurance
Some are tied up in savings accounts and some are stored in a safe box, not knowing when to use them;
When buying feed and nutritional supplements, take out only the necessary amount from the safe box and use it.
I’ll call you even for a little bit, loss
Naver Passbook Mirae Asset Securities CMA-RP 1%
Naver Passbook Mirae Asset Securities CMA-RP
1% per year for less than 10 million won
0.8% per year over 10 million won
Until May 31, 2022… ;; I don’t know how things will change after that
Currently, it is the second best parking passbook after Kakao Bank Safebox, but it is not the 1st financial sector, but the 2nd financial sector CMA account!!!
Another advantage is the Naver Pay point accumulation benefit.
No matter how big or small, it’s a dusty Taesan?!
When it was 4% last year? The maximum was 1 million won, when was it adjusted to 10 million won? There is a lot of tea that has completely stopped paying attention ;;
There is no protection for depositors, but there will be no problems with Mirae Asset until May, so the surplus funds from salary go to Naver account.
Woori Bank WON Parking Passbook / My WON Pocket 1% – 0.2%
Woori Bank WON Parking Passbook / My WON Pocket
Woori Bank applies a differential interest rate for each section
-0.2% up to 100,000 won
0.8% up to KRW 100-5 million
1.0% up to 5-10 million won
Is it next to Kakao Bank? Woori Bank is fine as long as you have more than 5 million won as a product in the 1st financial sector (Naver is an account linked to the second financial sector, CMA)!
Woori Bank My WON Pocket
However, the disadvantage is that transfer is possible only from an account connected to a Woori Bank withdrawal account.
However, it is open banking that secures this shortcoming!
It is possible to transfer money from an account connected to Open Banking to My Pocket account!!!
In other words, you can log in to each bank, enter your account number, and save the trouble of sending money!
I have linked only my pocket money account so that I can easily put it in my pocket at any time; (Common funds and pocket money must be managed separately! It is difficult to mix them vaguely)
I put it in the 1% range with the maturity savings;
ah… Is my slush fund exposed like this?
I wish Ha-gun didn’t see it.
Kookmin Bank KB My Fit Passbook 1.5%
Kookmin Bank KB My Fit Account
Money Splitting Service Emergency Savings Box 1.5% per annum
Deposit limit 200,000 won
18-38 years old
money splitting service;
Perhaps there is a limit to making a passbook, so Kookmin Bank has created a money splitting service.
The bankbook split has been done for 20 years, so the main bank account has already been split and managed by the butler older sister.
Salary/savings, living expenses/interest, card payment, reserve expenses, loss
So, the money splitting function of My Fit Passbook, which I was not interested in
When I looked into the parking passbook, I saw Doomchit!!!
emergency fund
Saving money for emergencies at a high interest rate (up to 2 million won)
Is the application condition up to 200 million won?!
It is possible to set basic expenses, living expenses, and emergency funds in My Fit account.
There is a separate living expenses account, and a debit card is connected to the living expenses account, but do not know where the debit card is?! (I don’t use debit cards lol)
My personal pocket money cannot be withdrawn from the paycheck account, so I only set up an emergency fund~!
When filing a global income tax in May, I have to do a year-end settlement of Hagun… Put the taxes you have to spit out in an emergency savings account for a while
ㅠ_ㅠ
so split
There is only one My Fit account, but after moving only the maximum amount of emergency funds, only the amount excluding the emergency funds from the basic expenses is confirmed as the amount that can be withdrawn.
Money that is in the account but cannot be used because it cannot be withdrawn…
I like it~ (If you take care of it on the next interest day and receive the interest rate, it will be a bonus!)
After much deliberation, I did it at KB!
There is only one main bank…
It’s annoying, but I decided to move it.
You can get tax free
It’s a real doggie!!
no need to explain
I think everyone knows it well.
Should I get all the preferential rates?
What product should I sign up for for deposit and withdrawal?
I was worried
therefore
National My Fit Passbook and Salary
I found two!
general office worker
Tung is the most used
Benefits are fee waiver, foreign exchange
transfer to another bank
Overtime use of automated equipment
Until using other bank automation devices
Almost done, right?
The most important interest rate!!
0.1% per year
The reference date is March 10, 2022
condition is
1. Last 1 month
More than 50 million won per case
2. The total amount for 3 months is 1 million won or more
conclusion
Get your paycheck here
applicable
KB My Fit
Let’s take a look at the National My Fit Account.
Do you know what a signature is?
I analyzed it in detail.
< Money splitting service >
Convenience of funds for each purpose
can manage
Basic expenses / Living expenses / Emergency funds
there is a box
I also want to separate the money.
You cannot create multiple accounts.
There were many times when I was really uncomfortable.
It’s really perfect for me!!!
this too
Withdrawal transfer fee 0 won~~!
Unfortunately
There is a separate target for membership.
Blind individuals between the ages of 18 and 38
(After that, it can be used regardless of age)
Unlike payroll
Exemption conditions must be met every month
From the 11th of this month to the 10th of the next month
can benefit
Have you used your Kookmin Card?
Deposit of over 500,000 won per case
You just need it!
You can get your salary here again
the base rate is the same
is 0.1%
The difference is 1.5% of the emergency fund
Maximum storage 200 million won
So what’s more profitable?
to get this too
It’s a long explanation, but
I think it’s simple
Separation of cost of living is good!
I split it up with a carbine.
If it is possible to manage within the same account
looks really comfortable
general summary
National My Fit Bankbook vs Salary
< Common >
interest rate 0.1%
fee benefits
Exemption Conditions -> Salary Deposit
< Difference >
Foreign exchange preferential
money splitting function
emergency fund 1.5%
in my opinion
My Fit makes the most sense