First of all, if you use payroll transfer and automatic payment by CMS and Giro, you have to use it as your main bank or a similar bank, but it can be cumbersome in the beginning because the deposit interest is almost at the top and the preferential rate of 50 million won is applied. I think it would be very helpful.
2. Wellbang ModuPay bankbook 웰뱅 모두페이 통장
The Welbang Modpay account is a deposit that allows you to receive a preferential interest rate by connecting simple payments such as Naver Pay, Kakao Pay, Toss, and Payco. 이베이스매뉴얼
Eligibility: Individual customers (one account per person)
Subscription period: no limit
Payment amount: No limit (however, preferential interest rates do not apply to the deposit balance exceeding 5 million won), free deposit and withdrawal
Interest payment method: Settlement on the business day immediately preceding the third Saturday of every month and paid the next day (additional to the principal)
contract rate
Basic interest rate: 0.5% per annum (variable rate)
Preferred interest rate: up to 2.5% per year (if both conditions are met)
1) When the deposit balance exceeds KRW 500,000 (0.5%)
2) Transaction performance of simple payment by connecting this deposit for the current month is 100,000 won or more (2.0%)
* Note: The preferential rate is not applied to the deposit balance of more than 5 million won, the first preferential rate is applied daily to the final balance every day, and the second condition is applied on the basis of the following month
other things
1) New subscriptions are possible only through mobile banking
2) Unable to join tax-free comprehensive savings
3) Customers who are restricted from opening a non-face-to-face account
4) Deposit Insurance Corporation protected financial products
Please note that this is an impossible condition.
Unlike the above office worker deposits, the amount to be applied for both preferential rates is 5 million won, which is one-tenth of the amount, so you may feel it is small. However, if you use Kakao Pay, Naver Pay, etc. there will be
College students, first-timers, and office workers who do not have large deposits should choose according to their circumstances as it can act as a good advantage.
So far, I have looked at two deposits at the Welcome Savings Bank, but it would be good if you choose the 2nd highest interest rate according to the limit, except for 3.2% of the ‘OK bankbook’ among the information I wrote recently. would.
Recommendation for deposit in OK passbook, parking passbook, 3.2% per annum savings bank product, small amount of cash
Investors who are making several investments while the market is not doing well in recent years are currently struggling with the inflow of stock and coin funds.
Please also refer to the 3.2% annual deposit OK account, which is said to be the best in the current parking passbook.