On the 2nd, K-Bank started the ‘Get Interest Now’ service in ‘Plus Box’, a parking account.
Prior to this, interest was paid once a month, so customers can receive interest when they want.
‘Plus Box’ is a parking account of K-Bank and applies an annual interest rate of 3.0% for up to 300 million won.
According to a K-bank official, the customer benefits have been strengthened so that customers can receive interest once a day and enjoy daily compounding interest income.
Based on 50 million won, about 3,400 won (after tax) is paid every day, and it is said that you can receive interest of 122,000 won per month.
Recently, I mainly use the parking account of Internet banks, so when news of such changes comes out, I can change it at any time and it is easy to change it, so it seems good from the customer’s point of view. 케이뱅크 플러스박스 즉시 이자받기
Let’s try to get K Bank Plus Box interest.
Access the K-Bank app and enter the ‘Get interest now’ menu in ‘Plus Box’. 이베이스 매뉴얼
The accumulated interest will be displayed and click ‘Receive’
Check the interest amount and tax and click ‘Get’
While arranging interest rates for K-bank parking accounts, I compared the interest rates for Internet banks’ parking accounts.
K bank
3.0% per annum
up to 300 million won
daily interest payment
Toss Bank
2.3% per annum
2.3% per annum up to KRW 50 million
4.0% per annum over KRW 50 million
daily interest payment
Kakao Bank
2.6% per annum
up to 100 million won
monthly interest payment
Looking at the news from the financial sector on the 31st of last year, the Financial Services Commission said that from May 2023, a 115% deposit-to-deposit ratio (ratio of deposits and loans) will be applied to household loans newly handled by internet banks. It is said that a 100% weighting factor is currently being applied to household loans by Internet banks. If the regulation on deposit-to-deposit ratio is normalized, it is said that competition among Internet banks to secure deposits will be inevitable, and Internet banks are already showing moves to prepare for this. .
(The loan-to-deposit ratio is the ratio of the balance of loans to the balance of deposits, and financial authorities apply loan-to-deposit ratio regulations to the financial sector so that each bank does not handle loans in excess of the deposits it has raised.)