카카오뱅크 자유적금2023. 2. 16. 16:37
Today, we learned about Kakao Bank’s free savings account. Due to the decline in parking account interest rates, it has become difficult to find products with a 4% interest rate. As interest rates are unlikely to rise again for the time being, it is a good idea to save money by signing up for a product that allows you to deposit for a long time and receive a high interest rate.
Kakao Bank Free Savings
Eligibility for subscription: Real-name individuals
Subscription period: 6 months – 36 months (can be specified on a monthly or daily basis)
Subscription amount: From 1,000 won to 3 million won
Interest payment: lump sum payment at maturity
Cancellation of division: possible
Split withdrawal: possible (maximum 2 times)
Depositor protection: up to 50 million won
Tax exemption: Yes
Free savings?
A savings account that can be freely deposited within the monthly payment amount of 3 million won. Even if the automatic transfer is set to 500,000 won, you can pay more if you have extra funds that month.
interest rate
☑️ Base interest rate
☑️ Preferential interest rate
0.20% per annum upon maturity termination after automatic transfer payment of more than 1/2 of the total number of contract months
However, preferential interest rates are not provided for principal and interest whose maturity is automatically extended.
By period/amount
Expected interest calculation
Kakao Bank Free Savings✍🏻✔️
Even if the interest rate is high, it is a good product to use if the preferential interest rate is difficult or you feel burdened by signing up for a savings product due to the burden of tying it for a long period of time.
Even if you have pledged to save money and need to withdraw it urgently, you can withdraw it mid-way, so it seems to be a good product for those who want to save a lump sum but are hesitant about their financial situation. That’s it for today’s post!
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