Let’s look at two ways to unlock a Kookmin Bank account limit limit. Recently, I tried to use Kookmin Bank for the first time in a long time, but since it was a newly opened account, I was experiencing a very inconvenient situation as the daily transfer amount was limited due to limit restrictions.국민은행 한도제한계좌 해제
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Kookmin Bank account limit limit release
For several years now, the banking sector has been trying to minimize the opening of cannon accounts by operating a system called limit accounts. If you do not take out a loan or open a card, the first time you create a new account, it will be tied to a limit account.
In order to close a limited account, you must meet several conditions and, if necessary, submit documents to close a limited account.
Kookmin Bank limit limit account transfer limits and restrictions
When you open a new account at Kookmin Bank, whether it is face-to-face or non-face-to-face, it starts as a limit account. If you are tied to a limit account like this, the following restrictions will occur.
Category Kookmin Bank Limited Account Transfer Limit
Daily withdrawal limit at the counter (withdrawal/transfer combined): Up to KRW 1 million
ATM daily withdrawal and transfer limit: 300,000 won each
Internet banking/phone banking/smart banking daily transfer limit: 300,000 won each
Unable to register and use automatic device bankbook withdrawal/media-less withdrawal (bankbook-less/card-less)
If the daily withdrawal limit is up to 1 million won, there is no problem for light transactions, but using it as a main account can be quite inconvenient and impose significant restrictions.
Therefore, it is essential for smooth banking operations to use methods such as increasing the transfer limit after closing an account with a limited limit.
Conditions for canceling Kookmin Bank limit-limited account
Fortunately, Kookmin Bank allows you to apply for a limit limit account through the app as long as the conditions are met. If one of the four requirements below is met, you can apply for cancellation of a limit account using the KB Kookmin Bank app.
Condition Details
Customer level KB Star Club, if you are a royal customer
Salary transfer: Salary performance of 500,000 won per case for the past 3 consecutive months
ㄴ National treasury, Giro, CMS, salary first date, topline and Kookmin Bank, corporate internet banking by salary contract)
Pension receipt: Pension receipt of 500,000 won or more for the past 3 consecutive months
ㄴ National pension, civil servant pension, private school teacher pension, military pension, and veterans’ benefit receipt records)
Stock trading performance over a certain number of times through the KB able plus app
ㄴ To prevent the use of cannon accounts, the period and number of times are not disclosed and are subject to change at any time)
How to unlock Kookmin Bank limited account (app application)
In order to apply for cancellation of a Kookmin Bank limit account with KB Star Banking, cancellation is possible only if cancellation is possible without the above supporting documents. If cancellation is possible by submitting supporting documents, you must visit the branch.
Kookmin Bank limit account cancellation
Access KB Star Banking app
Check all accounts
Click on the menu on the right side of the account to indicate a limited account.
Apply for limit restriction
When the conditions for lifting the limit are met, the limit is lifted. If not met, the limit maintenance information screen is displayed.
When applying to cancel a limited account with the KB Star Banking app, only customers who meet the conditions for cancellation can cancel the account immediately. If the conditions are not met, a message will appear informing you that the limit will be maintained.
Click here to apply for limit release by bank 》
Proof of cancellation of limit account (visit branch)
The most common method is to visit a Kookmin Bank branch and unlock a limit account. Since the required documents may vary depending on the purpose of the bankbook, it is best to call the customer center at 1588-9999 before visiting and check the required documents before visiting the branch.
When Kookmin Bank requests submission of supporting documents to close a limit account, it is classified according to the purposes below.
Application for non-face-to-face limit cancellation documents 》
These documents are called documents proving the purpose of financial transactions, and are generally submitted along with the Confirmation of Purpose of Financial Transactions. You may be asked for the following supporting documents, such as when opening a new account after changing the bank of your salary account, when trying to release an account that has been suspended due to not being used for a long time, or when you want to release the 300,000 won transfer limit for a limited account and convert to a regular account, etc. .
Proof of new purpose
Salary account, earned income withholding receipt, employment certificate, health insurance profit/loss certificate,
Identification certificate issued by a government office (civil servant card, lawyer’s visa, etc.) *Check employment status
Utility fee transfer account, copy of resident registration (copy) and utility fee payment receipt in your name
B (electricity, water, gas, APT management fee bills, etc.)
*Your current residence must be confirmed, and automatic transfer to our account for at least 3 months is required.
Employment verification documents such as part-time employer’s business registration certificate (copy), employment contract, and pay stubs
Research fund account, research fund contract, payment group business registration or certificate, etc.
Purpose of payment of business funds, business transaction agreement and business registration certificate of the counterparty, etc.
Documents proving the meeting, such as meeting account member list, bylaws, etc.
Corporate (business) account
Goods supply contract (invoice), electronic tax invoice (for suppliers), financial position statement of the previous year, VAT tax base certificate, tax payment certificate, venture business confirmation from Korea Technology Finance Corporation, etc.
Other objective supporting documents are required to confirm the purpose of opening an account.
Purpose of trading stocks/financial products: Stocks/financial products from other financial institutions Note 1) Transaction statement, balance confirmation *Transaction history within the last 3 months
Student – Proof of enrollment (confirmation of school attendance by phone)*Additional documents to verify residence and identity may be requested.
The above method is a common method for releasing a limit account. However, preparing each document one by one can be quite tricky.
If you visit the Kookmin Bank counter, you can quickly close your limit account by talking to the banker and inquiring about loan applications or card issuance.