I have a lot to say
The first part is about a company called Toss without use.
The analysis was verbose.
Toss bank account opening review 토스뱅크 계좌개설
It comes out after the middle of the post.
Toss Bank, launched
Toss, which is lagging behind Kakao Bank, has finally launched a bank. 이베이스매뉴얼
Internet banking is Kakao, then K-Bank.
By the way, it’s Toss Bank.
The texture is similar to cacao and toss.
K-Bank is a bit different.
K-Bank is like a FIn-tech bank.
Existing institutional banks gathered and just made the Internet.
On the other hand, Kakao Bank and Toss are Tech-Fin.
A tech company started a finance company.
Kakao Bank was established in advance and is doing well.
Gamseong marketing has also made it a good place to be.
Toss, on the other hand, lags slightly behind that.
Intimacy and simplicity as weapons, Toss
Even with Kakao Bank, simplicity is a weapon
Toss’s it is on a different level.
Kakao Bank still feels like a bank
It feels like the first financial sector.
But Toss is this
Is it a playing house platform or is it a prank?
There is no image of the bank at all.
In a bad way, I expressed it like this
to be serious
Throwing away the rigidity and distance of finance,
With a level of simplicity that is no different from playing around
doing financial activities
This is the feeling of Toss.
Card, insurance, loan, utility bill, credit rating, yen bread, etc.
Everything related to money can be done as simply and without hesitation as possible.
Toss is what made it possible.
It is securities that have reached the peak of this simplicity of Toss.
Toss Securities cannot even call it MTS.
Company analysis, charts, stock analysis, etc. are not at all.
(Of course, you would have thought that you could just stick to this later.
First of all, the most important thing is to gather people,
This function can be attached to an already developed API)
If you look at Tos Securities,
I’m confused if this is a stock trading app or Tinder.
Passing the opposite sex with one thumb on Tinder with yes / no
As if we were able to meet or not
I made it possible to just buy and sell stocks left and right.
This is extreme simplicity.
Stock trading made easy
Barriers to stock trading cannot be removed like this.
A little comment on this
Stock trading shouldn’t be easy. Easy to buy and sell
People who buy and sell easily have a hard time making money.
It will be difficult for ants to make money on stocks in Goro Toss.
On the other hand, from the point of view of Toss Securities
Easier to receive stock transaction fees than any other MTS
It is an optimal environment for newbies to come in without any objection.
Of course, there are problems.
Approaching people with simplicity as a weapon
There are still many things that are not yet available.
Loans can only be borrowed from 2 or less financial institutions (savings banks, loan companies), etc.
There are still many things that are lacking
A few months ago, I said, “What kind of crappy service is there?” and deleted it.
After a few months, I installed the app and it made a lot of progress.
The pace of development is truly astonishing.
Toss Bank launch issue
The news that Toss Bank was launched
At the same time, the bank’s loan regulation was running towards its peak.
It was late September to early October
People are tied up with loans from the existing 1 financial sector,
I wondered if I could get some loans from the newly launched Toss.
But what happened?
Toss Bank closes loan business this year, 10 days after its inception
On the 4th, one day before the official launch of Toss Bank, employees are busy working at the Toss Bank headquarters in Yeoksam-dong, Gangnam-gu, Seoul. Toss Bank will provide banking services such as sales of incoming and outgoing products and issuance of check cards for pre-registered applicants from the 5th.
Yes, the loan is already over.
why?
When Toss started business, the Financial Services Commission
I reported that I would take out a loan worth 500 billion won this year, and I got permission.
But, if you ask how many people lined up to join Toss, there are over 1 million people.
So, let’s say each person gets 50 million won.
It’s over when you get 10,000 loans, right?
So it’s over.
And when Kakao Bank and Toss Bank originally issued an authorization
They gave me permission to do a medium-interest (5-6% or higher) loan rather than a low-interest rate.
It is also said that Kakao has swept away low-interest-rate credit loans, so it is said that there is an ugly hair in it.
anyway so
Is this how the loan ends?
There is no reason to sign up step by step now.
We release 1 million people in line so that they can open a bank account at once.
What I’ve been opening in a single day so far,
If you open it, they’ll apply for a loan, so it’s for review.
Open Toss Bank account
So I picked the 700,000 number ticket.
You can open an account right away.
You should open an account.
The best thing is
It’s a regular deposit and withdrawal account, and it pays 2% interest.
that is.
I’ve been through this a lot in the past.
I was told they would pay a lot of interest, but I found out
1. Attracting a longer period (actually a term deposit)
2. Attract a large amount of money (must be without money)
3. Attract the amount below a certain amount (the interest you can receive is limited even if you have money)
In particular, there are many types of fortresses of 3 types.
From the bank’s point of view, the marketing cost is minimal.
It is possible to increase the number of accounts as much as possible.
But this time toss!
No time limit
No amount limit
2% interest even if you entrust one day
are actually doing
Investor money rip-offs are underway
There is no reason to miss out on such a good deal, right?
Some people don’t believe in Toss, with a heart
It is said that the deposit should only be left under 50 million won, which is protected by depositors.
Even if there is a possibility that Toss will not pay interest and take it away
That is not now.
At least in a few months or, if you’re lucky, in a few years.
Now is the time to sign up as soon as possible and receive interest.
I have about 100 million won in extra money that can be used for a limited time until mid-November,
I’m going to put it in the toss.
Then, no matter how high the interest on deposits and withdrawals from other banks, it is less than 1%.
The interest rate is 1% or more compared to other banks,
Even if you roll for about a month, you will earn 100,000 won, right? (Ignore interest income tax)
100,000 won is enough money to buy bok choy twice.
So I run the signup.
Well. No problem with money. No limit problem. not fishing.
But what’s underneath.
huh?
What is the maximum daily transfer limit of 200,000 won?
Then the person who put 100 million and entrusted it
Are you saying that I have to withdraw my money over 50 days?
Can this be called a horse… I don’t think it can be called makgeolli.
First, let’s open it up.
there must be some way
Toss Bank AccountClose the limit account now
Five.
It finds a way right away without having to look for it in many places.
I will say one more time
The simplicity of the toss is truly the best.
I searched hard
It is said that the limit can be lifted by submitting these documents.
If you cancel it, you can transfer up to 500 million won per day!
Click here to see how to submit documents.
1. Employment Certificate: Must be obtained from the company. Take a picture of the print. Monitor cannot be photographed
2. Health insurance details: Issued from the health insurance website. Take a picture of the print.
Monitor cannot be photographed
3. Employment contract business registration certificate: to be obtained from the company. Also, monitor photography is not allowed.
4. Automobile tax and property tax payment: Monitor photography is not allowed
………
Violent swearing comes out.
All documents must be issued within 3 months
I called the HR department at the company.
They say I want to join Toss Bank, but please take your certificate of employment.
Do you?
Of course, there are other methods as well.
So, through this and that way, in other ways
I uploaded the documents.
They say it will take 14 days.
………….
This is an objectively good bankbook!
It is easy to open, and again, Toss is a really easy platform.
You only need 2 weeks to submit the documents.
Raising the limit of withdrawing money from my account from 2 million won to more.
But I can’t use toss due to special circumstances.
because?
I can only spend the money until mid-November,
14 days excluding weekends and holidays
You’re talking about three weeks, right?
What does it matter
Once you deposit, the transfer limit will be lifted before mid-November, when you need money.
I think I can deposit money right away
They say it takes about 14 days. ‘degree’
Not exactly 14 days, but approximately 14 days.
That could end before 14 days,
It may take longer than 14 days.
If I take more than 14 days, I will be ruined.
So I give up.
Others do it, but I can’t, so it’s more sarcastic.
Anyway, the conclusion
Toss is easy,
However, it is not a feature-rich financial app.
In the first place, professional function is not the main focus
development is fast
Toss Bank gives 2% interest on deposit and withdrawal accounts
However, once opened, the withdrawal limit is only 200,000 won.
It takes about 3 weeks to raise the withdrawal limit after submitting the documents.
I will go
+
As of this writing, Thursday, October 14th
I applied for a limit lift
On Monday, October 18th, I got a notification that the limit had been lifted.
Currently, you can remit up to 1,000 at a time and 5,000 per day.
If I register and use the OTP, something will increase, but I don’t know.
(I did not transfer)
And today through the temporary limit increase