What is a parking account?
Parking bank account refers to a deposit that can collect good interest even if you leave your car for a short period of time when you want to park (parking) your car) for a short time.It is known to be perfect for consumers who don’t want to keep their money tied up for a long time but want to get any more interest.
As interest rates begin to rise in earnest, interest rates on “parking accounts” are also rising.As market interest rates soar day by day, deposit rates are also soaring.Savings banks have also introduced products that give interest at an annual rate of 5% on 6-month time deposits and mid-5% on one-year deposits.The savings bank, which returned as a “high-interest deposit powerhouse,” has also raised its parking account interest rate to 4.1% per year, which allows people to freely insert and withdraw money every day.
Then, what kind of parking account do you have and what kind of benefits do you have?I’ll look into it now.
Toss Bank Parking Account (2.3%)
Toss Bank Parking Account
First of all, the parking bankbook I will introduce is Toss Bank Parking Bank.Toss Bank’s parking account is also known as a representative of parking accounts.Toss Bank’s parking account was launched at Toss Bank in 2021 and provides an annual interest rate of 2.3% for up to 100 million won without conditions and 2.3% for excess of 100 million won.Unlike regular installment savings, which are difficult to put in and out freely, parking accounts are gaining much popularity by providing interest rates as good as regular installment savings at the same time.
Toss Bank’s bank account is 2.3% per year, slightly lower than its competitors, but it has the advantage that interest is paid in daily interest.Tap the Daily Interest Receipt icon on the Toss app to receive interest on a daily basis.
Interest rates for each section will be applied according to the daily final balance.The basic interest rate may vary depending on market conditions and company circumstances, and if it changes, the variable interest rate will be applied from the date of change.
Less than 100 million won. 2.3% per annum (pre-tax)
Over 100 million won. 2.3% per annum (pre-tax)
The basic interest rate may vary depending on market conditions and company circumstances, and if it changes, the variable interest rate will be applied from the date of change.Interest is paid on the 1st of every month or when the customer requests interest payment from the app, the interest calculated by the interest calculation method is paid.The interest calculation method adds up the interest calculated daily from the date of interest payment to the next interest payment date or the day before the date on which the customer requested payment.
매일 Daily interest: Daily final balance x daily interest rate per amount section / 365
👇Please refer to the posting below for information on how to open a Toss Bank parking account!👇
Check Toss Bank Parking Account, Open Account and Benefits
Introduction The most notable financial platform in the market recently is Toss, a company that grows at a terrifying pace with the active support of the MZ generation (millennial + Z generation).Toss Bank is the operator of Toss, Viva.
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There is also the benefit of Toss Bank parking account, so it would be helpful for those who often use Toss Bank.
from Toss Bank to another bank now and exempt from automatic transfer fees
All banks, convenience stores, etc. are exempt from ATM deposit/transfer/withdrawal fees.
Going to open a Toss Bank parking account 👆
Welcome Savings Bank Office Worker Love Ordinary Deposit (2.3% + 1.5%)
Welcome Savings Bank Office Worker Love Ordinary Deposit
The next parking account to introduce is Welcome Savings Bank’s office worker love ordinary deposit.Welcome Savings Bank’s love for office workers In the case of ordinary deposits, the great advantage is that it provides a lot of interest rates.
💰Welcome Savings Bank Office Worker Love Ordinary Deposit
– Deposit type: Savings deposit
-Subject of registration: Individuals aged 19 or older with real names
– subscription period: unlimited
– Payment amount: unlimited
– Interest Payment Method: Payment on the next day after settlement on the previous business day of the third week of each month (as of Saturday)
💰Welcome Savings Bank Office Worker Love Ordinary Deposit Precautions
– One person can sign up for an account
– Cannot be transferred to others
– New sign-up only through branches or mobile banking
– If you open a new account through mobile banking, you will not be able to sign up due to comprehensive tax-free savings.
In the case of Welcome Savings Bank office worker love ordinary deposits, the basic interest rate is 2.3%, but preferential interest rates can be raised through various benefits.
Condition 1) If you have a salary transfer record of more than 1 million won, add 0.5%p per year.
Condition 2) Add 0.5%p per year if you have more than one automatic payment by CMS or branch in this month.
Condition 3) Add 0.5% p per year if you agree to collect and use personal information for this month (for marketing purposes, etc.) and use membership subscription.
Welcome Savings Bank Office Worker Love Ordinary Deposit 👆
Hana Savings Bank HiHana Ordinary Deposits (2.8% to 3.8%
Hana Savings Bank HiHana Ordinary Deposit
The third parking account I will introduce is Hana Savings Bank’s Hi Hana Ordinary Deposit.It is a good parking account that can receive an annual interest rate of 3.8% (when all preferential interest rates are applied) up to 50 million won.
💰Hana Savings Bank Hi Hana Ordinary Deposit
-Subjects of subscription: Individuals and business operators (one account per person -based on activity)
– Subscription period: No restrictions
– Payment amount: No restriction (However, when subscribing to comprehensive tax-free savings, it is set within the limit of the tax-free subscription amount)
– Interest Payment Method: On the third Friday of each month, the principal is added after withholding.
💰Hana Savings Bank Hi Hana Ordinary Deposit Rate
– Hana Savings Bank HiHana Ordinary Deposit has a basic interest rate of 2.8%.However, if preferential conditions are met, a preferential interest rate of up to 3.8% will be applied.
1) Hana Savings Bank’s consent to collect and use personal (credit) information (guidance of product service, etc.) and the consent of all means of product service guidance. 0.3% per year
2) Differential application of accounts by balance section at the end of each month
balance at the end of the month 300,000 won~1 million won. 1 million to 2 million won. 2 million won.
preferential interest rate (%) 0.2% per year 0.4% per year 0.6% per year
3) When using an account without a paper bankbook (ESG preferential treatment), 0.1% per year
우The preferential interest rate will be applied up to 50 million won, and the basic interest rate of 2.8% will be applied for the amount exceeding 50 million won.
Find out about Hana Savings Bank’s HiHana Ordinary Deposit 👆
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K-Bank Plus Box (2.5%)
K-Bank Plus Box
The fourth parking account I will introduce is K-Bank’s Plus Box.Interest rates are low compared to savings bank parking accounts, but it has the advantage of being easy to sign up for.
💰 K-Bank Plus Box
-Subject to subscription: Real-name individuals and private business operators with bank accounts with this bank (maximum 10 accounts per person
– Subscription period: No restrictions
– Payment amount: You can deposit up to 300 million won by adding up all the balance of your plus box account.
– Interest Payment Method: Fourth Saturday of every month
Check out K-Bank Plus Box 👆
Pepper Savings Bank Peppers Parking Account (1.0% – 3.2%)
peppers parking account
The last parking account to introduce is Pepper Savings Bank’s Peppers Parking Account.Interest rates are relatively high, but unlike other parking accounts that pay interest once a day or month, interest is paid quarterly.
💰Pepper Savings Bank Peppers Parking Bank Account
-Subject to subscription: Individual customer (one account per person)
– Subscription period: No restrictions
– Amount paid: No limit
– Interest Payment Method: Interest calculated for the third Saturday of the last month of each quarter (March, June, September and December) will be added to the principal on the following day.
💰Pepper Savings Bank Peppers Parking Bank Interest Rate
Peppers parking account applies different interest rates for each amount section.Interest rates of 3.2% per year (pre-tax, isolation) below 50 million won and 1.0% per year (pre-tax, isolation) exceeding 50 million won will be applied.